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Get a Hospital Indemnity Insurance Quote
Hospital indemnity insurance pays a fixed cash benefit for each day of a covered hospital stay -- a way to help offset costs your regular health insurance doesn't fully cover.
Is this right for you?
- You want a cash cushion specifically for hospital stays, on top of regular health insurance
- You have a high-deductible health plan and want to soften the impact of a hospitalization
- You're comparing this to accident or critical illness coverage for the right fit
Your options
Pays a fixed daily benefit for each day of a covered hospital stay.
Extends the same benefit structure to your household.
Some carriers combine hospital indemnity with accident coverage under one policy.
Common questions
How is hospital indemnity different from health insurance?
Health insurance pays providers directly for covered services; hospital indemnity pays you a fixed cash amount per day, regardless of the actual medical bill -- meant to supplement, not replace, health coverage.
What can I use the daily cash benefit for?
Generally anything -- deductibles, lost income while hospitalized, travel for family, or any other expense during recovery.
Does hospital indemnity cover outpatient procedures?
Typically it's focused on inpatient hospital stays specifically -- some policies add riders for related outpatient events. Worth confirming a specific policy's coverage.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.