Hospital indemnity insurance
The money is for you, not the hospital.
Pays cash directly to you when you're hospitalized, to help with costs your health plan doesn't cover and with your bills while you recover.
What it may include, depending on the plan
- A payment for each day in the hospital.
- Intensive care and cardiac care coverage.
- Surgery and procedure benefits.
Does not replace health insurance. Benefits subject to policy terms and limits.
In plain words
- Fixed indemnity
- A fixed amount is paid to you, not to the hospital. The money is yours.
- Supplemental insurance
- It doesn't replace your health plan: it covers the gap it leaves.
- Waiting period
- The time that must pass from when you buy it until you can use it.
- Pre-existing condition
- Something you already had before buying the policy. It is usually not covered at first.
Questions about this coverage
What is supplemental insurance?
A policy that pays cash directly to you when a covered event happens, such as a hospital stay, an accident or a cancer diagnosis. You use that money for whatever you need: copays, deductibles, rent or groceries.
Does supplemental insurance replace my health plan?
No. Your health plan pays the hospital and doctors; supplemental insurance pays you. They work together.
How is a supplemental benefit paid?
It's paid directly to you, not the hospital, according to the policy terms.
Do I need legal status for supplemental insurance?
For supplemental insurance, your immigration status doesn't matter. I explain each policy's requirements before you apply.
General information, not an offer of coverage. This is fixed indemnity insurance, not health insurance. Amounts and coverage depend on the plan, the state and approval.