Hospital Indemnity Insurance.
Cash Benefits for Hospital Stays.
A hospital stay can cost thousands even with health insurance. Hospital indemnity plans pay you a daily or lump-sum cash benefit — so you can focus on recovery, not bills.
What Does Hospital Indemnity Pay For?
Benefits are paid directly to you — not to the hospital. Use the cash for medical bills, rent, groceries, or anything else you need.
Hospital Confinement
Receive a daily cash benefit for every day you are confined to a hospital, starting from day one.
- Daily benefit from $100 to $500+/day
- Benefit starts on day one of admission
- ICU benefit often 2x the daily rate
- No network restrictions on benefits
Surgery and Procedures
Scheduled surgery benefits are paid when you undergo a covered inpatient or outpatient procedure.
- Scheduled surgical benefit table
- Anesthesia benefit included
- Outpatient surgery covered
- Second opinion benefit available
Recovery and Rehab
Benefits continue during skilled nursing facility stays and rehabilitation following a covered hospitalization.
- Skilled nursing facility daily benefit
- Physical and occupational therapy
- Home health care benefit
- Ambulance transportation benefit
Why People Add Hospital Indemnity
Offset High Deductibles
If your health plan has a $3,000+ deductible, hospital indemnity cash helps you meet it without draining savings.
Cover Non-Medical Costs
Lost wages, childcare, travel to treatment centers — the cash goes where you need it most.
Medicare Supplement Gap
Pairs well with Medicare to cover hospital copays and gaps that Medigap does not include.
Ready to Find the Right Hospital Indemnity Plan?
Our licensed agents shop multiple carriers to find you the best value. No pressure, no obligation.
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