Hospital Indemnity Insurance
Focus on the care, not the cost.
Hospital stays can be expensive—even with health insurance. Deductibles, copays, and lost income can stack up fast. Our Hospital Indemnity Insurance, underwritten by Washington National Insurance Company, pays cash benefits directly to you when you’re hospitalized due to a covered accident or illness.
Why It Matters
- 🏥 Average 3-day hospital stay: nearly $30,000
- 💳 Half of adults can’t cover a $500 emergency bill without going into debt
- 📈 Hospital costs rose 17.5% between 2019–2022
How It Works
This policy provides a fixed cash benefit for hospital stays due to:
- Covered sickness or accident
- Mental health hospitalization
- Observation room admission
You can use the cash benefits however you need:
- Deductibles & co-pays
- Out-of-network hospital costs
- Everyday bills: rent, groceries, gas, childcare, etc.
Coverage Highlights
- Lump Sum Benefit: $1,000–$10,000 per calendar year
- Daily Confinement Benefit: $100/day up to 365 days
- Waiver of Premium: Premiums waived after 30+ days of confinement
- Optional Riders: doctor visits, diagnostic exams, surgery, ICU, ER visits, ambulance, and more
Why People Choose This Plan
- ✅ Cash paid directly to you – not your providers
- 🔁 Portable: Keep your policy even if you change jobs or retire
- 🔒 Locked-in premiums: Rates don’t go up due to age or health
- 🔁 Guaranteed renewable: As long as premiums are paid
📞 Want to Review Your Coverage Options?
Book a free consultation to learn how Hospital Indemnity Insurance could help you:
Disclaimers: This is not major medical insurance. It is a supplemental, fixed indemnity plan. Benefits and availability may vary by state and underwriting requirements. Not intended as a substitute for comprehensive health insurance.
