A Hospital Indemnity Plan is a supplemental insurance policy that pays cash benefits directly to you when you are hospitalized due to an illness, injury, or surgery. The money can be used for any purpose, regardless of what your health insurance pays.

Hospital indemnity insurance is designed to help cover the out-of-pocket costs that often come with a hospital stay.

Even with Medicare, Medicare Advantage, or employer coverage, hospital stays can result in:

- Copays

- Deductibles

- Coinsurance

- Transportation expenses

- Lost wages

- Household bills

A hospital indemnity plan helps provide financial protection during recovery.