Hospital Indemnity Insurance
Direct cash payments for every day you're hospitalized - paid straight to you. Help cover deductibles, copays, and the everyday expenses your health insurance doesn't pay.
Coverage Levels
Choose Your Hospital Protection
Every plan pays a daily cash benefit with no restrictions on how you use the money.
Basic Hospital
$200/day benefit
- Daily hospital admission benefit
- Covers planned and emergency stays
- No waiting period for accidents
- Guaranteed renewable
- Worldwide coverage
Enhanced Hospital
$350/day benefit
- Enhanced daily hospital benefit
- ICU benefit enhancement
- Outpatient surgery coverage
- No waiting periods for accidents
- Family coverage options
- Worldwide coverage
Premium Hospital
$500/day benefit
- Maximum daily hospital benefit
- Premium ICU enhancement
- Comprehensive outpatient coverage
- Extended benefit periods
- Family coverage included
- Worldwide coverage
- Additional living expenses
Sample pricing shown for illustration. Actual premiums and benefits vary by age, carrier, state, and eligibility.
What's Covered
How Your Benefits Pay Out
Cash benefits triggered by the care you receive.
Hospital Admission
Daily cash benefit for each day of hospital stay
ICU Enhancement
Additional benefit for intensive care unit stays
Outpatient Surgery
Benefit for same-day surgical procedures
Emergency Room
Benefit for emergency room visits
Sample pricing shown for illustration. Actual premiums and benefits vary by age, carrier, state, and eligibility.
Real Scenarios
How the Benefit Adds Up
Examples of how a daily hospital benefit can help in common situations.
Emergency Appendectomy
- Hospital Stay
- 3 days
- Daily Benefit
- $350
- Total Benefit Paid
- $1,050
Heart Surgery
- Hospital Stay
- 7 days (3 in ICU)
- Daily Benefit
- $350 + $200 ICU
- Total Benefit Paid
- $3,050
Pneumonia Treatment
- Hospital Stay
- 5 days
- Daily Benefit
- $350
- Total Benefit Paid
- $1,750
Knee Replacement
- Hospital Stay
- 4 days
- Daily Benefit
- $350
- Total Benefit Paid
- $1,400
Sample pricing shown for illustration. Actual premiums and benefits vary by age, carrier, state, and eligibility.
Testimonials
Help When It Mattered Most
"When I had my gallbladder surgery, the daily hospital benefit covered my deductible and helped with lost wages. Such a relief!"
"My wife's hospital stay for pneumonia would have been financially devastating. The daily benefit was a lifesaver."
"The ICU enhancement paid extra during my husband's heart surgery recovery. Every dollar helped during that difficult time."
Testimonials reflect individual experiences and are not a guarantee of future results.
Protect Your Finances from Hospital Costs
Get daily cash benefits to help cover the costs your health insurance doesn't pay. A licensed agent can find affordable protection in minutes - no obligation.