Business Insurance

Hospital Indemnity Insurance

A supplemental plan that pays cash directly to you during a hospital stay — helping cover out-of-pocket costs and lost income that health insurance leaves.

Looking for Hospital Indemnity Insurance in Bluffton?

When you’re hospitalized, chances are there will be expenses that you have to pay yourself, even with an existing healthcare plan. A hospital indemnity insurance plan can cover a percentage of your income while you’re out of work and in the hospital.

It provides a cash benefit paid directly to you, which can help with your out-of-pocket expenses. One form of this plan is known as hospital confinement indemnity insurance.

While traditional health insurance pays for specific medical services after deductible or copayment amounts are satisfied, hospital indemnity insurance triggers coverage when specific events associated with hospital stays occur.

A type of supplemental insurance, hospital indemnity plans pay out when a policyholder checks into a hospital for an overnight stay, entitling him to claim a certain amount – say $450 – against the policy.

For each additional night’s stay he can add another $450 on top. A three-day sojourn at the local infirmary would entitle him to $1,350 and so on.

In addition to a hospital per diem, a more robust plan might feature payments per ambulance trip, surgery or maternity visit, or increased payments for intense ailments such as stroke or cancer. Benefits can disburse in lump sums for short admittances or on a daily or weekly basis during longer visits.

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Frequently asked questions

What is hospital indemnity insurance?
It's a supplemental plan that pays a cash benefit directly to you when you're hospitalized, helping with out-of-pocket expenses and a portion of lost income while you're out of work. One form is known as hospital confinement indemnity insurance.
How does it pay out?
Unlike traditional health insurance, which pays providers after deductibles and copays, hospital indemnity triggers on hospital-stay events. For example, an overnight stay might pay a set amount such as $450, with each additional night adding more — so a three-night stay could pay $1,350.
What else can a plan cover?
A more robust plan might add payments per ambulance trip, surgery, or maternity visit, or higher payments for serious conditions like stroke or cancer. Benefits can be paid as a lump sum for short stays or daily/weekly during longer ones.

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