Hospital Indemnity Insurance:
Daily Cash Benefits
for Every Day You're Hospitalized
The average hospital stay costs $11,700. Even with health insurance, you may face thousands in deductibles and copays. Hospital indemnity insurance pays a fixed daily cash benefit - $100 to $500 per day - directly to you for every day you're hospitalized.
Call 877-PATRIOTHow Hospital Indemnity Works
Example: 5-Day Hospital Stay
What the Cash Benefit Covers
Hospital indemnity benefits are paid directly to you - not your hospital or doctor. You can use the cash for anything:
- ✓Health insurance deductible and copays
- ✓Lost income while hospitalized
- ✓Childcare or elder care during recovery
- ✓Transportation and parking costs
- ✓Mortgage or rent payments
- ✓Groceries and household expenses
- ✓Experimental treatments not covered by health insurance
Hospital Indemnity Questions
What is hospital indemnity insurance?
Hospital indemnity insurance pays a fixed daily cash benefit for each day you're hospitalized - regardless of what your health insurance pays. For example, a policy with a $200/day benefit pays $200 for each day in the hospital. If you're hospitalized for 5 days, you receive $1,000 directly. You can use this money for anything: your health insurance deductible, copays, lost income, or household expenses.
How much does hospital indemnity insurance pay?
Hospital indemnity policies typically pay $100-$500 per day of hospitalization. Some policies also pay additional benefits for ICU admission (often 2x the daily benefit), surgery, and other specific events. The benefit is paid in addition to any health insurance benefits - you can collect from both. A 5-day hospital stay with a $300/day policy pays $1,500 regardless of your actual medical bills.
Who needs hospital indemnity insurance?
Hospital indemnity insurance is most valuable for people with high-deductible health plans (where a single hospitalization could cost $2,000-$7,000 out-of-pocket), people with limited savings, and anyone who would struggle to cover lost income during a hospitalization. It's also valuable for people who are self-employed or work hourly and don't receive paid sick leave.
Get Hospital Indemnity Coverage
Affordable daily benefits starting at $100/day. Call for a free quote.