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Hospital Indemnity Insurance

What is Hospital Indemnity Insurance?

Hospital indemnity insurance is a type of insurance that pays a fixed amount for each day that you are in the hospital. Some plans will pay up to two years. Hospital Indemnity Insurance helps protect your financial independence if you are faced with a hospital stay.

Some types of hospital indemnity insurance will pay the specified daily amount even if you have other health insurance. Others may coordinate benefits, so that the money you receive does not equal more than 100 percent of the hospital bill.

Why should you consider Hospital Indemnity Insurance?

You should consider purchasing hospital indemnity insurance because hospital care can be very expensive and can easily wipe out your savings. If excessive care is needed, the cost may bankrupt you.
  • The average expense of an inpatient hospital stay per person is $13,033.*
  • More than 1 in 3 persons will be treated in a hospital.*
  • 45.2% of health care spending is associated with hospital treatment.**

Hospital Indemnity Insurance Options

When choosing a type of hospital indemnity insurance, consider the following options

  • Daily payment Payment may vary according to your health status. Payment can range anywhere from $125 each day to $375 each day. Some policies will pay more per day if you are hospitalized for the treatment of cancer.
  • Payee Some insurance policies will pay the hospital. Others will pay the patient
  • Payment start date Some policies will start payment on the first day you are hospitalized.
  • Government hospital. Some policies will pay you full benefits even if you are hospitalized in a U.S. Government facility.
  • Reliability. Make sure the insurer is a reliable company.

* National Health Care Expense in the U.S. Community Population, 2001. Agency for Healthcare Research and Quality, Statistical Brief #56, figure 4.

** National Health Care Expense in the U.S. Community Population, 2001. Agency for Healthcare Research and Quality, Statistical Brief #56, figure 2.

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