Hospital indemnity plans
Hospital indemnity plans that can pay you after a covered hospital stay
A hospital indemnity plan pays a set amount for a covered admission, and some pay for each covered day. What it pays depends on the stay, the plan’s exclusions and limits, and the policy issued. It can help with deductibles, copays and costs at home.
Mon–Fri 9 a.m.–5 p.m. ET. Free to you, with no obligation to enroll. Can't talk now? Request a callback or schedule a call.
How hospital indemnity can pay
Set amounts for covered stays
Admission benefit
A set amount when you’re admitted to the hospital for a covered stay.
Daily benefit
Some plans also pay a set amount for each day you’re in the hospital.
Paid to you
Benefits go to you, to use for hospital copays, deductibles or bills at home.
Alongside your coverage
It works with the health plan you have, through work, on your own or through Medicare. It doesn’t replace it.
Before you choose
What to know about hospital indemnity
Not health insurance
It pays fixed amounts for covered stays. Keep your health plan.
What counts as a stay
Plans pay for inpatient admissions. Time under observation may not count.
Waiting periods and limits
Some plans have waiting periods, a cap on days, or limits for pre-existing conditions.
Compare it with your costs
We’ll look at your plan’s hospital copays and deductibles to see if it makes sense.
How it works
Talking through hospital indemnity
Step 1: Talk to an agent or representative
Tell us about your current coverage and your hospital costs under it.
Step 2: Compare plans that fit
We compare plans and explain what each pays per stay and per day.
Step 3: Enroll, and we stay with you
If you enroll, we explain how to file a claim if you ever need to.
Questions about hospital indemnity
No. It pays fixed amounts for covered hospital stays and doesn’t replace your health plan.
It can. A hospital stay can mean paying your whole deductible at once, and a hospital indemnity plan pays a set amount you can put toward it.
No. Benefits are usually paid to you, and you decide how to use them.
Often not. Most plans pay for inpatient admissions. We’ll check the plan’s definitions with you.
It can, especially if your coverage has hospital copays. We’ll compare the plan with what you’d pay.
Yes. Insurance companies pay us when you enroll, so our help is free to you. You don’t have to enroll to talk with us.
Talk with an agent or representative about hospital indemnity
Free to you, with no obligation to enroll.
Can't talk now? Request a callback or schedule a call.
Mon–Fri 9 a.m.–5 p.m. ET