Terms and Conditions

Effective Date: August 23, 2026

1. Acceptance of Terms

1.1. By accessing or using the website and services of My Hospital Indemnity, operated by MPTP Management LLC ("we," "our," or "us"), you agree to these Terms and Conditions. If you do not agree, please do not use our website or services.

2. Our Services

2.1. Nature of Service: My Hospital Indemnity helps consumers learn about hospital indemnity insurance and other supplemental health insurance products and connects them with licensed insurance agents. We are not an insurance company. We do not underwrite, issue or guarantee any insurance policy, and we do not determine eligibility, premiums or benefits.

2.2. Supplemental Coverage: Hospital indemnity insurance pays fixed benefits for covered events. It is not major medical insurance and is not a substitute for it. Policy terms, limitations and exclusions are set by the insurance company that issues the policy.

2.3. Information Only: Information on this website is general and for educational purposes. We try to keep it accurate and current but do not guarantee its completeness or accuracy. It is not legal, tax, financial or medical advice. Speak with a licensed agent about your specific situation.

2.4. Availability: Products, carriers and plan options vary by state and are not available everywhere.

3. Personal Information and Consent

3.1. Consent to Collection: By submitting information through our website, you agree to the collection, storage, use and sharing of your personal information as described in our Privacy Policy. This includes your name, phone number, email address, date of birth, mailing address, state and zip code.

3.2. Accuracy: You agree to provide accurate, current and complete information and to submit only your own information. You may not submit information on behalf of another person without their permission. We are not responsible for consequences resulting from inaccurate or outdated information.

4. Communications

4.1. Consent to Contact: If you give consent on our form, we and the licensed insurance agents working with us may contact you by phone call (including automated technology and prerecorded or artificial voice messages), text message and email at the contact details you provided, about hospital indemnity and other supplemental health insurance products. Consent is not a condition of purchase.

4.2. Opting Out: You may revoke consent at any time by any reasonable means, including calling (800) 977-1817, emailing info@myhospitalindemnity.com, or replying STOP to a text message. We will honor your request within the time required by law.

4.3. Text Messages: Message frequency varies. Message and data rates may apply. Reply HELP for help. Carriers are not liable for delayed or undelivered messages.

5. Eligibility and Acceptable Use

5.1. You must be at least 18 years old and a resident of the United States to use our services.

5.2. You agree to use this website only for lawful purposes. You may not submit false, fraudulent or automated (bot) submissions, interfere with the website's operation, or attempt to gain unauthorized access to our systems.

6. Limitation of Liability

6.1. To the fullest extent permitted by law, we are not liable for any indirect, incidental, consequential, special or punitive damages, or any loss of profits, revenue, data, use or goodwill, arising out of your use of or inability to use our website or services, or out of any insurance product you purchase from a third party.

7. Changes to Terms and Services

7.1. Updates: We may update these Terms from time to time. Changes will be posted on this page with a new effective date. Your continued use of our services after changes are posted means you accept the revised Terms.

7.2. Service Changes: We may modify or discontinue any part of our services without notice.

8. Governing Law

8.1. These Terms are governed by the laws of the State of Texas, without regard to its conflict of law principles, except where federal law applies.

9. Arbitration and Class Action Waiver

9.1. Any dispute, claim or controversy arising out of or relating to these Terms or our services, including the determination of the scope or applicability of this agreement to arbitrate, will be resolved by binding arbitration under the rules of the American Arbitration Association (AAA). The arbitration will be conducted in Houston, Texas, before a single arbitrator, in English. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court with jurisdiction.

9.2. Each party will bear its own attorneys' fees and costs, except where the arbitrator awards fees and costs to the prevailing party or applicable law requires otherwise.

9.3. Either party may bring an individual claim in small claims court instead of arbitration if the claim qualifies.

9.4. You and we each waive the right to bring or take part in any class, collective or representative action, and waive any right to a jury trial. This section survives termination of these Terms.

10. Contact Us

10.1. If you have questions about these Terms or our services, contact us at:
My Hospital Indemnity
Operated by MPTP Management LLC
2900 Wilcrest Drive, Suite 451
Houston, TX 77042, United States
Phone: 1-800-977-1817 (TTY: 711)
Email: info@myhospitalindemnity.com

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Privacy Policy

Effective Date: August 23, 2026

1. Introduction

Welcome to My Hospital Indemnity, operated by MPTP Management LLC, a Houston-based company ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, share and protect your personal information when you visit our website or use our services.

2. Information We Collect

2.1. Information You Provide: When you fill out our form, we collect your name, phone number, email address, and state and zip code. You may also choose to give us your date of birth, street address and city. We do not ask for information about your medical conditions on our form.

2.2. Automatically Collected Information: When you use our website, we collect information such as your IP address, browser and device type, pages viewed, referring website, and information gathered through cookies and similar technologies.

2.3. Consent Records: We use third-party consent verification technology (such as TrustedForm) that records your interaction with our form, including the date and time, the disclosures shown to you, and your clicks and keystrokes on the page. We use this record to document that you gave consent to be contacted.

3. How We Use Your Information

3.1. Provide Services: To connect you with licensed insurance agents and give you information about hospital indemnity and other supplemental health insurance products you asked about.

3.2. Communication: To contact you by phone, text message and email about the products you requested, where you have given consent.

3.3. Compliance and Protection: To document consent, honor opt-out requests, prevent fraud and bot submissions, and meet our legal obligations.

3.4. Improve Our Services: To analyze how visitors use our website and improve it.

4. How We Share Your Information

4.1. Insurance Agents and Partners: When you submit our form, we share your information with licensed insurance agents, insurance agencies, insurance companies and marketing partners so they can contact you about the products you requested.

4.2. Service Providers: We share information with companies that help us operate, such as website hosting, call and text platforms, CRM systems and consent verification providers.

4.3. Legal Compliance: We may disclose information when required by law, or to protect our rights, privacy, safety or property, or those of our users or others.

4.4. Business Transfers: If our business is sold or merged, your information may be transferred as part of that transaction.

5. Data Retention

We keep your information for as long as needed for the purposes described in this policy. We keep records of your consent and opt-out requests for as long as needed to document them and meet legal requirements, which may be several years.

6. Data Security

We use reasonable administrative, technical and physical safeguards to protect your information from unauthorized access, disclosure, alteration or destruction. However, no method of data transmission or storage is completely secure.

7. Your Choices

7.1. Opt Out of Communications: You can stop calls, texts or emails at any time by calling (800) 977-1817, emailing info@myhospitalindemnity.com, or replying STOP to a text message.

7.2. Access, Correction and Deletion: You can ask to access, correct or delete your personal information by contacting us using the details below. Residents of some states, including California, may have additional rights under state privacy laws. We will not discriminate against you for exercising these rights.

8. Children's Privacy

Our services are not intended for people under 18 years of age, and we do not knowingly collect personal information from children.

9. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices or for operational, legal or regulatory reasons. Changes will be posted on this page with a new effective date.

10. Contact Us

If you have questions, concerns or requests about this Privacy Policy or your personal information, contact us at:
My Hospital Indemnity
Operated by MPTP Management LLC
2900 Wilcrest Drive, Suite 451
Houston, TX 77042, United States
Phone: 1-800-977-1817 (TTY: 711)
Email: info@myhospitalindemnity.com