🏨 Hospital Indemnity

Get Cash When You're Hospitalized

The average hospital stay costs $2,600 per day. Even with good health insurance, you face deductibles, copays, and lost income. Hospital indemnity pays you cash — up to $750/day — for every day you're hospitalized, no matter what your health plan covers.

Get My Hospital Quote → How It Works?

Get Your Hospital Indemnity Quote

Cash Benefits · Supplemental · Affordable · Free · No obligation

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Who needs coverage?

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A licensed advisor will reach out within 1 business day with your hospital indemnity options.

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💵 Cash Paid to You

🏥 Works With Any Health Plan

🌐 No Network Restrictions

⚡ No Deductible

Coverage

What Hospital Indemnity Covers

UHC Hospital Indemnity (underwritten by Golden Rule Insurance Company) pays you fixed cash benefits for hospital care, ICU stays, emergency room visits, and select outpatient services. The money is paid directly to you — no claims processing or itemized billing required.

$500-750

Hospital Daily Benefit

Receive $500-$750 per day for each night spent in a hospital bed, up to 180 days per year. Covers any reason — surgical stays, medical admissions, accidents, everything.

Overnight hospital admission · Surgery recovery · Medical treatment · Rehabilitation stays

$750-1K

ICU Daily Benefit

Enhanced benefits for intensive care unit stays. Get $750-$1,000 per day for each day in ICU, up to 30 days per year. Combined with hospital benefit for maximum protection.

Critical care · Mechanical ventilation · 24-hour monitoring · Life support services

$500

Emergency Room Visits

Receive $500 cash benefit for each emergency room visit, whether you're admitted or discharged. Covers emergency transportation and urgent care facilities.

ER visit · Urgent care center · Ambulance transport · Emergency stabilization

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Important: This Is Supplemental Coverage Hospital indemnity is NOT a substitute for health insurance. It works alongside your primary plan and has pre-existing condition exclusions (typically 12 months). Used together, they provide comprehensive financial protection.

Plan Types

Hospital Indemnity Plan Options

Choose between comprehensive coverage or hospital-focused protection. Both plans work with any existing health insurance you have.

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Health ProtectorGuard

Comprehensive coverage including hospital daily benefits, ICU benefits, emergency room, doctor office visits (4 per year), wellness visits, and prescription benefits depending on plan level.

Full hospital coverage

Office visit benefits

Rx coverage included

Higher premium

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Hospital SafeGuard

Hospital-focused supplemental insurance. Pays $750/day for hospital stays, $750/day ICU (up to 31 days), and emergency room benefits. Lower cost for those who want core hospital protection only.

Lower premium

Strong hospital coverage

ICU protection included

No office visit benefits

Who It's For

Hospital Indemnity Is Right If You…

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Have a High Deductible Plan

High-deductible health plans save on premiums but expose you to major out-of-pocket costs. Hospital indemnity covers those gaps with cash benefits.

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Support a Family

One hospitalization can derail household finances. Indemnity protects your family's savings and ensures you can focus on recovery, not bills.

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Had Recent Medical Events

If you've been hospitalized or have family history of serious illness, indemnity provides crucial financial protection when you need it most.

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Are at Higher Risk for Injury

Outdoor workers, athletes, or anyone with higher accident risk benefit from immediate cash when emergency hospitalization happens.

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Are Self-Employed

Self-employed professionals can't afford extended hospital stays to derail income. Indemnity provides income replacement while you recover.

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Want True Peace of Mind

Know that any hospitalization triggers immediate cash benefits. No waiting for insurance processing or itemized bills — money comes to you directly.

FAQ

Hospital Indemnity Questions Answered

Does hospital indemnity replace health insurance?+

No. Hospital indemnity is supplemental insurance designed to work alongside your primary health plan. It pays you cash benefits on top of what your health insurance covers, helping with deductibles, copays, and out-of-pocket costs. You should not drop your health insurance to purchase indemnity.

Does hospital indemnity cover pre-existing conditions?+

Most hospital indemnity plans exclude benefits for pre-existing conditions during the first 12 months of coverage. After 12 months, pre-existing conditions are typically covered. Ask your advisor about plans with shorter or no pre-existing condition waiting periods if this is important to you.

How are hospital indemnity benefits paid to me?+

Benefits are typically paid directly to you via check or direct deposit within 30 days of receiving proof of hospitalization. You can use the cash for any hospital-related expenses — they don't need to match itemized medical bills. This flexibility makes indemnity ideal for covering deductibles and copays.

Is there a waiting period for hospital indemnity coverage?+

Most hospital indemnity plans have no waiting period for accidental injuries, but may have 30-90 day waiting periods for non-accidental hospital admissions. Pre-existing condition exclusions are separate and typically last 12 months. Your advisor can review specific waiting periods for your situation.

Can I combine hospital indemnity with other supplemental plans?+

Yes. Hospital indemnity works well alongside critical illness insurance, accident insurance, and other supplemental plans. Many people layer multiple protections to maximize coverage gaps in their primary health insurance. Your advisor can recommend combinations that work for your needs.