Coverage learning center
Hospital Indemnity Insurance
Hospital indemnity insurance is supplemental private coverage that may pay a stated cash benefit for certain covered hospital stays, subject to policy terms.
What to know
It is not a substitute for comprehensive medical insurance. Waiting periods, daily benefit amounts, exclusions and claim requirements vary by policy.
Questions to consider
Does the policy pay every hospital bill?
Not necessarily. It may pay a fixed benefit according to the contract rather than reimburse all actual medical costs.
What should I review before buying?
Check the policy benefit schedule, definitions of covered confinement, exclusions, waiting periods and how claims are filed.
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