GTL: Compare GTL’s Hospital Indemnity Insurance HOW DOES GTL’s ADVANTAGE PLUS COMPARE TO THE COMPETITION? FEATURES GTL COMPETITION ADVANTAGE Benefit Period Flexibility 3-day, 6-day, 10-day or 21-Day 6, 7, 8, 9, 10 Day GTL Easy Rate Structure One rate for entire state Unisex rates Zip code rated Male/Female Rates GTL Benefit Options $100-$600 in $10 Increments $250 – $600 in $25 Increments GTL Underwriting Guaranteed Issue for ages 64 1/2 – 65 1/2 No Guaranteed Issue available GTL Ambulance Rider No admittance needed to receive benefits Must be Admitted to receive benefits GTL Skilled Nursing Rider Same Benefits paid from days 1-50 Varies according to benefit level GTL Observation Observation covered at 100% of daily benefit with no limits Observation covered at 50% daily benefit with 3 day maximum GTL Inpatient Stays Covers inpatient hospitalization at 12 hours of confinement with short stay benefit; 24 hours without Inpatient hospitalization at 24 hours of confinement only GTL Short Hospital Stay Benefits Inpatient and observation covered at 100% daily benefit with 12 hours of confinement Short Stay observation covered at 50% daily benefit; Inpatient not covered under 24 hrs GTL Dental/Vision Rider Dental/Vision Rider Pays Actual Charges No Dental/Vision Rider GTL Cancer Rider Issue Age to 85 Issue Age to 80 GTL Cancer Rider Includes Skin Cancer Benefits No Skin Cancer benefits GTL Cancer Rider Cancer Recurrence Benefit Available No Cancer Recurrence GTL Application 5 short questions, 12 month look back only 7 questions which some include 24 month look back GTL Published on July 22nd, 2015
