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Hospital Indemnity

Hospital indemnity insurance covers you if you are hospitalized. Some hospital indemnity policies may allow for family members to be added on, but always check the terms to ensure your policy allows this.

What does it cover?

Be aware that every policy is different. Some policies may offer fixed benefits when admitted into a hospital, overnight stays, or overnight stays in ICU. Other policies may offer benefits for emergency room treatment or certain outpatient procedures.

However, hospital indemnity insurance will not pay for medical bills or prescriptions. You can use the benefit payments to pay for these costs, but keep in mind that the benefits with these policies are designed to cover the gaps not paid for by your medical insurance.

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Do I need hospital indemnity insurance?

Hospital indemnity insurance is not for everyone. It ultimately depends on the type of coverage you need. Before deciding on a health insurance policy, you should take several factors into consideration:

  • The state of your health
  • The amount of coverage your current policy provides
  • What medical costs you cannot personally cover
  • If you can afford monthly premiums

If you are interested in enrolling in a hospital indemnity insurance policy, reach out to us today. We can help you ensure this is the right policy for your needs.