Learn about Hospital Indemnity Insurance.

Pays you benefits when you are confined to a hospital or for other medical services. Fill the gaps in your Medicare coverage.

Commonly Asked Questions

What is Hospital Indemnity Insurance?

Hospital Indemnity Insurance is designed to help fill some of the co-payments, deductibles and out-of-pocket expenses of your health insurance plan. Cash benefits are paid directly to you to help cover the costs associated with hospital confinement, ambulance trips, critical accidents, skilled nursing stays and more.

How does it work?

Should you be confined to a hospital, this coverage will pay you between $100 and $750 per day based on the plan you select. You can choose a 3-day, 6-day, 10-day or 21-day benefit period, which will restore after 60 days of no hospital confinement. 

Why do I need it?

Unexpected medical costs can add up – even if you have health insurance. Hospital Indemnity Insurance is an affordable way to help protect your savings from all the costs of deductibles, co-pays and additional expenses not covered by your major health insurance plan. Benefits are paid directly to you so you can use the funds any way you choose.

Product Highlights

After being confined in the hospital for days, some people are surprised to discover their stay was categorized as “hospital observation.” Hospital Indemnity insurance covers hospital observation.

Guaranteed issue for ages 64 1/2 to 65 1/2 and a simple yes/no application for other ages.

Coverage is guaranteed renewable for life as long as your premiums are paid on time.

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