Hospital Indemnity Insurance, Explained Simply
Supplemental coverage that pays fixed cash amounts for covered hospital stays, which you can use toward deductibles or everyday bills. Compare plans from multiple carriers.
Start my free hospital indemnity reviewIndependent agency · Multiple carriers compared · No cost to request
What hospital indemnity is
Hospital indemnity is supplemental insurance. It pays set amounts for covered stays and is not a replacement for major medical health insurance.
Fits around your health plan
We look at your deductible and out-of-pocket maximum so the benefit is sized sensibly.
Exclusions shown
Pre-existing condition limits and waiting periods are pointed out before you apply.
Carrier-neutral
As an independent agency we compare carriers rather than representing a single company.
No pressure
You get options to review in your own time. Deciding not to buy is a fine outcome.
How it works
Three steps. Free, and no obligation at any point.
Tell us about your current health plan and who needs coverage.
We show hospital indemnity plans available in your area with benefits and limits side by side.
You review plans in your own time and choose whether and when to enroll. Nothing is bought until you apply and the carrier approves.
Start your free hospital indemnity review
This is a request for a coverage review and quote — not a checkout and not an application for coverage. A licensed professional reviews your details and contacts you. Submitting this form does not purchase or bind any coverage.
We never sell your information. You can opt out of communications at any time.
Honest answers to common questions
What does the review cost?
Nothing. The review and quotes are free, and there is no obligation to buy. If you choose to buy a policy through us, the carrier pays us a commission — you do not pay us a separate fee.
Does this replace health insurance?
No. Hospital indemnity is supplemental coverage and is not a substitute for major medical insurance.
How is the benefit paid?
Benefits are typically paid to you as a fixed amount per covered stay or day, according to the policy schedule.
Is coverage available in my state?
Availability depends on where you live and on our licensing and carrier appointments. If we cannot help in your state, we will tell you directly rather than pass your details on.
What happens to my information?
We use it to prepare your review and quotes and to contact you about your request. We never sell your information. See our Privacy Policy for details.
Ready to compare hospital indemnity plans?
Start with the free review. Want broader coverage? See our individual & family health review.
Start my free hospital indemnity review