Hospital Indemnity Insurance
Get paid cash for every day you're in the hospital — helping you cover the costs your health insurance or Medicare doesn’t.
What Is Hospital Indemnity Insurance?
Hospital Indemnity Insurance pays you a cash benefit when you're admitted to the hospital. Whether you have Medicare or other insurance, this plan helps cover out-of-pocket costs like deductibles, daily stays, ambulance fees, and more — so a hospital visit doesn’t drain your savings.
What's Covered
Plans vary by provider, but here’s what many hospital indemnity policies typically include:
Hospital Admission
Get a lump-sum payment if you're admitted to a hospital for a covered illness or injury.
Daily Hospital Confinement
Receive a daily benefit for each day you're confined in the hospital — often up to 10, 21, or 31 days per stay.
Observation Stays
Some plans include coverage for observation units, even if you're not formally admitted as an inpatient.
Emergency Room Visits
Covers ER visits that result in hospital admission — helping offset ambulance or emergency services.
Skilled Nursing Facility Care
Pays a benefit for each day you're in a skilled nursing facility, following a hospital stay, if included in your plan.
Outpatient Surgery
Outpatient surgeries, diagnostic imaging (like MRIs or CT scans), or doctor follow-ups after a hospital stay.
Who Is This For
Hospital indemnity insurance is a great choice if you want extra peace of mind during a hospital stay.
Medicare
Beneficiaries
Cover gaps in your Medicare plan, especially hospital stays.
Individuals Without Hospital Coverage
Get daily cash benefits when your primary plan falls short.
Those Wanting Extra Security
Use funds however you need — from bills to travel to recovery support.
Anyone Who Wants Peace of Mind
Prepare in advance for unexpected hospital costs.
How It Works
1.
Request A Free Quote
Fill out a quick form or give us a call. We'll gather a few basic details to start comparing options.
2.
Compare Policies from Top Carriers
We shop multiple life insurance providers to find the best coverage for your needs and budget.
3.
Speak with a Licensed Agent
One-on-one guidance to explain your options, answer your questions, and help you feel confident in your decision.
4.
Apply & Get
Covered
We'll walk you through the application process and help you secure coverage—sometimes even the same day.
Let us do the hard work—compare top-rated life insurance policies and find the right fit for you.
How It Works
Getting coverage is fast and easy — here's how it works:
Choose a plan
Select your benefit amount and coverage options
Get admitted
If you’re hospitalized, the plan kicks in
Get paid directly
You receive a cash benefit — not your doctor
Use the funds freely
Pay for medical or non-medical expenses
FAQ
You're probably
wondering...
Hospital Indemnity FAQ's
Don’t Let a Hospital Stay Drain Your Finances
With hospital indemnity coverage, you’ll receive cash benefits for each day you're admitted — helping you focus on recovery, not unexpected bills.
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