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Is Hospital Indemnity Insurance Worth It?

Hospital indemnity insurance can help protect you from the significant expenses that hospital stays often bring. It’s flexible, meaning you can use it to help cover a variety of costs you might incur after you spend time in the hospital. Keep reading to learn more about how hospital indemnity insurance works and whether it makes sense for your unique situation.

How does hospital indemnity insurance work?

You can purchase hospital indemnity insurance in addition to your standard health insurance plan. As long as you continue to pay your premiums, you’ll receive a benefit to help cover expenses you might face as a result of a covered hospital stay. Unlike standard health insurance, hospital indemnity insurance sends you the benefit directly (unless assigned otherwise), so you have complete freedom of how you use it.1

Hospital indemnity insurance coverage

Since hospital indemnity insurance is flexible, you can use it to help pay for a variety of expenses.1

Hospital indemnity insurance cost

Just like most insurance plans, the price of hospital indemnity insurance will depend on factors like your age, location, coverage amount, and the insurance company you choose. However, many policies are very affordable and start at around $10 per month.1

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How hospital indemnity insurance compares to other policies

Here’s a look at how hospital indemnity insurance compares to other types of supplemental policies Aflac offers:

Accident insurance

While hospital indemnity insurance is designed to help pay for expenses related to hospital stays, accident insurance is for costs incurred due to sudden accidents and injuries. Both policies pay benefits directly to the policyholder, unless assigned otherwise.

Critical illness insurance

Hospital indemnity insurance helps pay for hospitalization expenses. Critical illness insurance, on the other hand, offers a lump sum benefit if you’re diagnosed with a covered health event.

Cancer insurance

While a hospital indemnity policy helps cover hospitalization expenses, cancer insurance pays out a lump-sum benefit if you’re diagnosed with cancer. You can use cancer insurance for cancer-related medical expenses and everyday costs.

Short-term disability insurance

Short-term disability insurance can come in handy if an injury or illness puts you out of work for a temporary period of time. It differs from hospital indemnity insurance, which is intended for hospitalization expenses.

When is hospital indemnity insurance worth it?

You might want to explore hospital indemnity insurance if any of the following situations apply to you:

  • If you’re planning to have a baby
  • If you want coverage in case of accidents

With hospital indemnity insurance, you can avoid the hefty costs of accident-related hospital stays. This type of policy may reassure you that you’ll have help in the event a covered accident strikes.

What to consider when getting hospital indemnity insurance

As you shop around for a hospital indemnity insurance plan, it’s a good idea to focus on these factors:

Individual vs. family coverage

Ask yourself whether you’re looking for a policy that only helps cover you or you’d prefer a policy that helps protect your entire family.

Coverage length

Since many plans pay based on the number of hospitalization days, you’ll want to determine the ideal amount for you.


Look for a hospital indemnity insurance policy that offers the most affordable coverage for your particular needs.

Get a quote for hospital indemnity insurance

Aflac offers affordable hospital indemnity insurance that can help give you peace of mind. If you invest in a policy, you’ll quickly receive your benefits after a hospital stay. Start chatting with an agent and consider getting a quote today.

Still have questions?

Explore your hospital insurance options.

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