Hospital indemnity

Hospital stays are no fun. Neither are the bills.

A hospital stay is a lot more common than people may realize. And when it happens, it can be costly. Hospital indemnity insurance is one way to help protect your family's savings.

• What is hospital indemnity insurance?

  • Hospital indemnity insurance provides a predetermined lump sum cash payment while you are hospitalized as a result of a serious accident or illness as defined by your policy.

    The payout is not dependent upon the amount of your hospital charges or other insurance coverage and benefits you may have.

    Most hospital indemnity insurance allows you to use the money however you wish. Many don’t require you to answer questions about your health when enrolling, and some allow you to enroll in coverage for your dependents, too.

• What hospital indemnity insurance covers

  • You may be eligible to receive a hospital indemnity insurance benefit if you are hospitalized as a result of serious injury or illness as defined by the policy. 

    Coverage varies and limitations can apply, so be sure to check any policy for details and exclusions before you enroll.

• Why it makes sense

  • Protecting yourself and your family with additional, cost-effective coverage is one way you can try to avoid incurring significant medical debt due to a hospital visit or stay.