Hospital Indemnity Insurance

Pays you cash benefits when you're admitted to the hospital - money you can use for anything. Mortgage, bills, groceries, deductibles, lost income - whatever you need.

Works alongside your health insurance. Your health plan pays the hospital, hospital indemnity pays you.

You're hospitalized: Admitted for surgery, illness, or injury

File a claim: Submit hospital admission paperwork

Get paid cash: Lump sum or daily benefit deposited directly to your bank account

Use it for anything: No restrictions on how you spend it

Cash Payments Directly to You
Not to doctors or hospitals - the money is yours.

Use It for Anything
Deductibles, copays, lost wages, childcare, rent, groceries - whatever you need.

Works with Any Health Insurance
Supplements your existing coverage - doesn't replace it.

Covers Accidents and Illness
Hospital stays for any reason covered.

Affordable Premiums
$20-$100/month depending on coverage level.

Daily Hospital Benefit:
$100-$500 per day hospitalized
Pays for each day you're admitted

Lump Sum Benefit:
$1,000-$10,000 per hospital admission
One payment when admitted

ICU Benefit:
Double or triple payment if admitted to intensive care

Surgical Benefit:
Additional payment if you have surgery

Ambulance Benefit:
$100-$500 for emergency ambulance transport

Mix and match benefits to fit your needs and budget.

High Deductible Health Plan
You have a $7,500 deductible. Hospitalized for emergency surgery. Health plan pays nothing until you hit $7,500. Hospital indemnity pays you $5,000-$10,000 cash to cover your deductible and other expenses.

Lost Income
Self-employed, hospitalized for 10 days. Can't work, no income. Hospital indemnity pays $300/day = $3,000 to cover lost wages.

Family Expenses
Mom hospitalized, dad misses work to care for kids. Hospital indemnity cash pays for childcare, meals, gas to visit hospital.

Unexpected Costs
Hospitalized out-of-network while traveling. Health insurance pays 50%. Hospital indemnity cash covers the rest.

High deductible health plans ($3,000+)

Self-employed with no paid sick leave

Single income families who can't afford lost wages

Anyone who couldn't handle a $5,000-$10,000 unexpected medical bill

People with chronic conditions at higher risk of hospitalization

Monthly Premium:
Individual: $20-$60/month
Family: $40-$100/month

Benefits:
$100/day plan: Pays $3,000 for 30-day hospital stay
$250/day plan: Pays $7,500 for 30-day hospital stay
$5,000 lump sum plan: Pays $5,000 per admission

Higher benefits = higher premiums. Choose what you can afford and what would help most

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Waiting Periods:
Accidents: Covered immediately
Illness: 30-day waiting period typical
Maternity: 9-12 month waiting period

Benefit Limits:
Daily benefits: Usually max 365 days per year
Lump sum: Usually 1-2 admissions per year
Annual maximum: $10,000-$50,000 depending on plan

Pre-Existing Conditions:
Most plans have 12-24 month look-back period

Hospital Indemnity:
Pays for any hospitalization
Daily or per-admission benefits
Lower benefit amounts
Lower premiums

Critical Illness:
Pays only for specific diagnoses (heart attack, stroke, cancer)
Large lump sum ($10,000-$100,000)
Higher premiums
One-time payment

Many people get both for complete protection.

"Does this replace my health insurance?"
No. This supplements it. You still need major medical coverage.

"What if I'm hospitalized for observation, not admission?"
Most plans only pay for inpatient admission, not observation stays. Check specific plan details.

"Can I use this for planned surgery?"
Yes, most plans cover elective procedures after waiting periods.

"Do I have to use the money for medical bills?"
No. Spend it on anything - it's your money.

"What about emergency room visits without admission?"
Some plans include ER benefits. Others only pay for actual hospital admission.

Available year-round as standalone coverage

Can be added during health insurance enrollment

No waiting for open enrollment periods

Most plans start 1st of following month after application

1. Get Your Quote
Call 800-835-1776 or request online
Choose benefit levels

2. Answer Health Questions
Simple application about recent hospitalizations and health conditions

3. Get Approved
Most approved within 24-48 hours

4. Coverage Starts
Effective 1st of following month

CALL NOW: 800-835-1776
GET ONLINE QUOTE