What is hospital confinement indemnity insurance?
No matter how good your major medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The hospitalization benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to more robust supplemental hospitalization insurance. Whether you want a hospital indemnity plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help.
Some Aflac hospital confinement indemnity insurance advantages:
- Increased benefit amount for the first five days of hospitalization per calendar year
- HSA compatible policies are available
- We don't use networks, so you can be treated at the hospital of your choice
- No deductibles
- No precertification
- You own your policy, so even if you change jobs or retire, you can take it with you.