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Health insurance

Hospital Indemnity Insurance

Hospital indemnity insurance pays a fixed cash benefit when you have a covered hospital stay. The money is paid to you, and you can use it however you choose — for deductibles, copays or everyday bills. It is supplemental coverage and does not replace Medicare or health insurance.

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How it works

Cash paid to you

Benefits are paid to you, not the hospital, so you decide how to use them.

Set benefit amounts

The plan pays a set amount per day or per admission for covered stays, as listed in your policy.

Helps with Medicare costs

Can help with costs like the Medicare Part A hospital deductible, which can apply more than once in a year.

Who might consider it?

Read the details

Plans have benefit limits, exclusions and sometimes waiting periods for pre-existing conditions. We explain them before you apply.

Hospital indemnity questions

Is hospital indemnity the same as health insurance?

No. It pays a fixed cash benefit for covered hospital stays. It does not pay your medical bills directly and is not a substitute for Medicare or major medical coverage.

Can I have hospital indemnity with Medicare?

Yes. Many people with Medicare add hospital indemnity coverage to help with out-of-pocket costs from a hospital stay.

How are benefits paid?

After you file a claim for a covered stay, the insurance company pays the set benefit directly to you.

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