Hospital admission
A fixed benefit may be payable for a qualifying admission.
A LITTLE MORE ROOM TO BREATHE
When life takes an unexpected turn, know your options.
Explore hospital indemnity coverage that may provide a fixed cash benefit after a qualifying hospital stay — helping you plan for costs beyond the hospital bill.
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Information to help you compareNo obligation to request
information
SUPPLEMENTAL COVERAGE, EXPLAINEDDESIGNED TO SIT ALONGSIDE MAJOR MEDICAL INSURANCE
CARE COMES FIRSTUnderstand the support a policy may
offer.
THE BASICS, MADE CLEAR
What is hospital indemnity insurance?
Hospital indemnity insurance is a type of supplemental, limited-benefit coverage. If a covered event occurs, the policy may pay a fixed cash benefit according to its terms.
Depending on the policy, a benefit may help with everyday expenses during a hospital stay or recovery. The benefit is not a replacement for comprehensive health insurance, and exclusions, limits and waiting periods may apply.
See how it compares ↗A POLICY CAN BE DIFFERENT FROM THE NEXT
Potential benefits to ask about
Exact benefits depend on the insurer and policy selected. These are examples of provisions that may be available.
Daily confinement
Some policies include a benefit for each eligible day in hospital.
Intensive care
Additional benefits may apply for a covered ICU stay.
Other services
Certain surgical or other qualifying services may be included.
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Not all plans include every benefit shown. Review definitions, covered events, benefit amounts, exclusions, pre-existing condition provisions and waiting periods in the actual policy documents.
KNOW THE DIFFERENCE
Supplemental support is not the same as health insurance.
Hospital indemnity insurance and major medical insurance are designed for different purposes. Understanding the distinction can help you ask better questions.
Explore information →FEATUREHOSPITAL INDEMNITYMAJOR
MEDICAL
Primary purposeSupplemental fixed benefitsMedical
expense coverage
How benefits workSet amounts for covered eventsPlan
rules, cost-sharing and networks
What it may help withAdditional cash-flow
flexibilityCovered healthcare services
Replaces the other?NoNo
This is a general overview, not a description of any specific insurance
contract. Actual coverage varies.
PLANNING FOR REAL LIFE
Because recovery happens outside the hospital, too.
Everyday responsibilities do not always pause during a hospital stay. Depending on the policy, a fixed cash benefit may offer flexibility for expenses such as transportation, groceries or household bills.
Consider your existing health coverage, budget and the policy's actual terms before deciding whether supplemental coverage is appropriate.
Ask about available options ↗
CARE
FOR EVERY
CHAPTER
FOR EVERY
CHAPTER
A SIMPLE PLACE TO BEGIN
How the request process works
Submitting your details is a request for information — not an application for insurance.
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Tell us how to reach you
Complete the short form with your contact information and any optional details.
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Request is reviewed
Your information may be reviewed to identify participating professionals who can respond.
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Explore the details
A licensed professional may discuss available products, costs, limitations and questions.
QUESTIONS WORTH ASKING
Is this type of coverage worth exploring?
It may be worth learning about if you want to understand supplemental options alongside your current health plan. Consider your needs and compare policy terms carefully.
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You want to understand fixed cash benefits for covered hospital events.
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You are comparing supplemental coverage with an existing health plan.
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You want to review premiums, limits, exclusions and waiting periods before deciding.
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You prefer to speak with a licensed professional about state-specific availability.
GOOD QUESTIONS. CLEAR ANSWERS.
Frequently asked questions
Start with the basics. Always use the policy documents for the final details.
Does hospital indemnity insurance replace my health plan?
No. It is supplemental, limited-benefit coverage and is not a substitute for comprehensive major medical insurance.
How are benefits paid?
Many hospital indemnity policies pay a stated cash benefit when a covered event meets the policy requirements. The amount and payment rules vary by policy.
Can I use the benefit for everyday expenses?
Ask the insurer or licensed professional how benefits are paid and whether the policy places any restrictions on their use.
How much does a policy cost?
Premiums vary based on factors such as age, location, selected benefits, insurer and underwriting rules. There is no universal price.
Does submitting this form mean I am enrolled?
No. This form requests information only. It does not submit an insurance application, enroll you or guarantee a quote or coverage.
Are all plans and insurers represented?
No. Participating providers and products may be limited by location, licensing, insurer participation and availability.
TAKE THE NEXT STEP AT YOUR OWN PACE
Get informed before you make a decision.
Request information about hospital indemnity options and the questions to ask.
