Catastrophic Inmate Medical Insurance

Budget Accuracy

As agencies continue navigating the challenges of providing health care for an increasingly sick population, the need for cost-containment measures and insurance is at an all-time high. 

Financial resilience and preparation begins with Catastrophic Inmate Medical Insurance (CIMI). This coverage provides agencies a "safety net" by reimbursing the unexpected and costly off-site medical expenses incurred by inmates and those who are in custody.

There are no pre-existing condition exclusions and most “prior to booking” claims, such as gunshot wounds, auto accident injuries, overdoses, chronic conditions, and sexually transmitted diseases are covered. 


Since 2008, the program has reimbursed more than $13 million to sheriffs and counties across the United States.

Coverage Highlights

Plan Benefits

  • Limits of coverage from $250,000 per inmate, per year

  • Deductible options as low as $20,000 per inmate, per year

  • Coverage based on claims occurring in a 12-month period

  • No pre-existing condition exclusions

  • Standard "prior to booking" claims covered including:

    • Gun shot wound

    • Injuries sustained from motor vehicle accident

Claim Reimbursement

Once eligible expenses have been paid, hospital notification forms and proof of payment are submitted to the insurance carrier for review. Eligible expenses are typically reimbursed within 30 days. Funds can be provided electronically (ACH) or by check.

Standard Exclusions

  • Expenses which are not inpatient hospitalizations or outpatient surgery

  • Expenses which the governmental entity is not legally obligated to pay

  • Expenses which are incurred after an inmate is released from custody

  • Expenses in connection with security & guarding (optional coverage)

  • Rehab treatment for "Substance Abuse" and "Mental Nervous Disorders"

Claim Examaples



"One heart attack can cost $50,000 to $80,000 in hospital costs, so I saw the need to protect the county from a catastrophic illness or accident."

- Sheriff, FL County

"Having this insurance is an example of good stewardship of county resources and allows us to budget more accurately."

- Jail Administrator, Sheriff's Office, NC

"No small or medium size county should be without this valuable protection."

- Major, Sheriff's Office, GA

"Insurance agents call this inmate medical insurance...I call it budget protection coverage for our county taxpayers."

- Risk Management Coordinator, FL County

"A great solution to a serious problem."

- Executive Director, Sheriff's Association


Interested? CONTACT us
Tamara Armstrong
Senior Vice President 
Director of Employee Benefits
Phone: 850-556-3069

Dan Lancaster

Account Executive

Sales, Marketing, Policy Management

Phone: 850-545-3855

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