Hospital indemnity coverage shifts the focus to healing, not finances.
When you’re in the hospital or undergoing outpatient surgery, the last thing you need to worry about is how much it will cost to get better. Even when you have health insurance, premiums don’t cover everything. The average expense for a hospital stay ranges from $9,100 for a medical stay to $22,700 for a surgical stay.1
If you’re admitted to the hospital for a covered accident or sickness, hospital indemnity insurance plans provide benefits that can help pay for hospital expenses that aren’t covered by your health insurance, such as costs related to:
- Outpatient surgery
- Inpatient services
- Diagnostic tests
- Doctor appointments
- Emergency room trips
With this added financial protection, you can dedicate energy toward getting well instead of worrying about bills.
1. Agency for Healthcare Research and Quality Healthcare Cost and Utilization Project, Trends in Hospital Inpatient Stays in the United States, 2005-2014, 2017