Hospital Indemnity insurance is a plan designed to pay for the costs of a hospital admission that may not be covered by other insurance. The plan covers employees who are admitted to a hospital or ICU for a covered sickness or injury. Even if your Medical insurance covers most of your hospitalization, you can still receive payments from your Hospital Indemnity insurance plan to cover extra expenses while you recover.

how does hospital indemnity insurance work?

You pay monthly premiums for your Hospital Indemnity insurance plan. If you are admitted to the hospital for an injury or illness, your Hospital Indemnity plan makes cash payments to you. And with the payments going directly to you, you can use these emergency funds to pay for costs not covered by your Medical insurance, Medical insurance deductibles, copays and coinsurance, child care expenses while you are in the hospital or cost-of-living expenses as you recover.

    what does hospital indemnity insurance cover?

    • Hospital Admission
    • Hospital Confinement
    • Hospital Intensive Care
    • Surgical Care
    • Medical Diagnostic and Imaging
    • Transportation and Lodging

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      Example Scenario

      In April, Sarah unexpectedly needed back surgery.

      • Sarah was admitted to the hospital for surgery.
      • After surgery, she began physical therapy to increase her strength and flexibility.
      • Sarah submitted her claim and received a lump-sum payment of $1,000.

      sample reimbursements

      • Total Benefit Paid: $1,000

      hospital indemnity plan documents

      Hospital indemnity contact information

      Carrier: AFLAC
      Phone: 800-992-3522
      Website: www.aflac.com

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      This Benefits Website provides general information for our benefit eligible employees; however, more detailed information is available within the plan documents and legal contracts between our company and the insurance providers. In case of any discrepancy between this Benefits Website and the plan documents, the plan documents always govern and determine your exact benefits. In addition, the company reserves the right to modify or terminate any benefit plan at any time. Benefits are not a guarantee of employment.