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Indemnity Coverage
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When you make a qualifying claim on your hospital indemnity insurance policy, you receive a payment from your plan that’s paid directly to you. You can use these funds in any way that might help you and your family with both unexpected and planned expenses.

For example, you might need it for food deliveries, childcare, hospital co-pays, or other essential bills. Once the money is in your possession, it’s entirely up to you how you spend it.

Unlike other insurance policies that may involve a medical screening, hospital indemnity insurance is typically a voluntary benefit that’s guaranteed without the need for a medical exam or health questionnaire.

Insurance premiums are also handled directly through straightforward billing options. This means you never have to worry about missing a payment or having your policy lapse. It’s an easy way to ensure you’ll have extra financial protection in the case of a hospital stay.

Although most hospital indemnity coverage plans are provided through an employer, you can often take your plan with you if your employment status changes. As long as you continue making your premium payments — and your employer doesn’t terminate the group policy — you’ll be covered whenever you might need to use it.

Even the savviest of budgeters can run into unforeseen expenses. Although health insurance may cover a portion of hospital bills, it may not cover an entire stay. Plus, there are other costs to consider that can affect you financially, like childcare when recovering at home, transportation, and rehabilitation. The direct cash provided by hospital indemnity insurance helps bridge these gaps.