Hospital Indemnity insurance is a type of supplemental health insurance that pays you a benefit when you are hospitalized for an extended period. Depending on the type of policy you receive benefits for planned or unplanned reasons or other medical services.

The Benefit of a Hospital Indemnity Policy

Hospital indemnity insurance

A lengthy stay in the hospital can hit even the strongest of budgets hard. For many people, the care is necessary and can’t be ignored because of financial hardship.

Hospital insurance may help you with “room and board.” Some situations may require a private room and nurse, hospital insurance can help pay for too. Indemnity insurance takes care of your stay at the hospital but what about the rent or mortgage for your house? These expenses are on-going and anticipated, but hospital stays often have unexpected living expenses. Those can include extra living expenses too, like extra housing accommodations sometimes required due to hospital stays.

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Hospital Indemnity Plans provide the much-needed cash flow for each day spent in the hospital and includes payment for some other qualified expenses as well. It’s your money, and you can choose to spend it on hospital expenses or unforeseen costs that may pop during recovery.

Usually hospital stays cost you extra by way of extra transportation costs, more money spent on meals outside the home, and more. That quickly adds up, topped off with the fact that you’re unable to work. That’s possibly covered too — some plans cover loss of income.

Hospital insurance may help fill the gaps in your medical coverage by giving you the funds to cover deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.


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