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Hospital Indemnity Insurance

Avoid the Burden of a Costly Hospital Stay

2 Ways to Enroll in a Hospital Indemnity Plan

1

Fill out a form, and a licensed insurance agent will help you pick a plan based on your needs.

2

Skip the wait by calling a licensed agent to learn more about your options.

Mon – Fri: 9am – 8pm ET

Hospital Indemnity Insurance

Even with proper insurance, unplanned hospital stays come with a hefty price tag. The average cost per day of inpatient care at a hospital in the United States was $2,607 in 20191 and people with Medicare Part A need to pay a hospital inpatient deductible of $1,5562 before their benefits kick in.

Hospital Indemnity Insurance helps cover the out-of-pocket hospital costs not typically covered by your insurance and any extra expenses that occur because of your hospital stay.

Hospital Indemnity Insurance Features & Benefits

Hospital Indemnity plans can be used to help pay* for your:

Copayments
Copayments
Coinsurance
Coinsurance
Deductibles
Deductibles
Living expenses
Living expenses
Groceries
Groceries
Any additional expenses
Any additional expenses

Frequently Asked Hospital Indemnity Questions

What is Hospital Indemnity Insurance?

Hospital Indemnity is a form of private insurance that pays the policyholder if they are admitted into the hospital, intensive care unit (ICU), critical care unit (CCU) or another qualifying health event.

What does Hospital Indemnity cover?

Depending on your policy, a Hospital Indemnity insurance plan provides a payout if you’re admitted to the hospital. Unlike regular health insurance, which has restrictions on how the insurance money can be used, Hospital Indemnity payouts can be used any way the policyholder seems fit.

For example, you can use the payout to help offset any out-of-pocket expenses not covered by your insurance. You can also use the money to help pay for groceries, transportation or other living expenses.

Is Hospital Indemnity a form of medical insurance?

No. Hospital Indemnity Insurance is not a replacement for any form of Medicare, Medicaid or private health insurance. This plan is intended as a supplemental coverage policy.

Does Hospital Indemnity have a monthly premium?

Like any insurance plan, you will be required to pay a monthly premium, which can vary depending on the policy you choose. However, you do not have to pay a deductible to gain access to your payment.

Does Hospital Indemnity Insurance have restrictions?

Unlike a typical health insurance policy, Hospital Indemnity does not have deductibles, coinsurance or network restrictions.

Why would I need Hospital Indemnity Insurance?

If you’re someone who foresees being frequently admitted to the hospital or wants peace of mind in the event of an accident, then Hospital Indemnity Insurance is worth considering.

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