Hospital indemnity insurance is supplemental coverage that may pay a fixed benefit when a covered person is hospitalized. The payment is generally made to the insured person, and the policy explains the covered events, amounts and limits.
It is designed to supplement other health coverage. It is not comprehensive medical insurance and may not cover the cost of a hospital stay. Review the policy details and consider the coverage you already have before applying.
Explore coverageCompare who this coverage may suit, how benefits may be used, and what to keep in mind.
Benefits are limited and vary by policy, insurer and state. This coverage is not a substitute for comprehensive health insurance or Medicare Supplement Insurance and may not pay your medical bills. Read the policy for covered events, exclusions, waiting periods and benefit limits.
We guide you through each step so you can choose with confidence.
Tell us what coverage you already have and what you want to compare.
We review available hospital indemnity options and explain their limits.
You compare the policy terms, benefits and costs.
If you apply, coverage begins only after the insurer approves the application and the policy is in force.
Plans commonly pay a fixed benefit to the insured person when policy conditions are met. The policy explains who receives payment and when.
No. It is supplemental coverage and is not comprehensive medical insurance or Medicare Supplement Insurance.
Some fixed-benefit plans pay the insured person, who may use the benefit as they choose. Check the policy terms for details.
No. Covered events, exclusions, waiting periods and benefit limits depend on the policy.
Yes. We can review options with you at no cost and without an obligation to apply.
We can explain available supplemental plans and their limits. No pressure, no obligation.