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HOSPITAL INDEMNITY OVERVIEW
Hospital indemnity insurance exists to offset costs tied to hospital stays.
Even with major medical insurance, hospital stays can create additional out-of-pocket expenses. Hospital indemnity coverage is designed to provide supplemental financial support during inpatient care.
These plans may help with deductibles, daily stay costs, and related expenses, depending on the length and type of hospitalization.
What hospital indemnity insurance helps cover
Hospital stays
Pays cash when you are admitted to the hospital unexpectedly for covered stays.
Daily cash payments
Pays a set cash amount for each day you are hospitalized, regardless of other coverage.
Out-of-pocket costs
Helps cover deductibles and expenses your health insurance does not fully pay.
Flexible cash use
Cash can be used for bills, travel, or lost income while you focus on recovery.
Coverage gaps
Covers costs that fall outside traditional health insurance during hospital stays.
Added protection
Adds an extra layer of financial protection when serious hospital care is needed.
🟠 HOSPITAL INDEMNITY OPTIONS
Supplemental coverage for hospital-related costs
Hospital indemnity insurance provides fixed benefits tied to hospital events, helping offset expenses not fully covered by medical insurance.
Per-Day Confinement Plans
Plans that pay a daily benefit for each day spent in the hospital.
Daily hospital benefits
Length-of-stay payouts
Predictable payments
Supplemental coverage focus
How It Works
A simple way to add extra protection for hospital stays.
Enter your ZIP code
Your ZIP code helps us check hospital indemnity options in your area.
Look at your coverage
Based on your current coverage, we narrow down hospital indemnity options that fit.
Add extra protection
We explain how this coverage works alongside your insurance and help you move forward.
Who hospital insurance is commonly good for
People typically look at this coverage when hospital stays create costs not fully covered by health insurance.
High deductibles
People with high deductibles use hospital indemnity to cover hospital costs left unpaid.
Limited savings
Those without emergency savings use this coverage to manage sudden hospital expenses.
Active lifestyles
Active individuals use this coverage to prepare financially for unexpected hospital visits.
Extra coverage
People seeking added protection use hospital indemnity without changing their primary health plan.