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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.
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You can apply for 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
Since hospital indemnity insurance is flexible, you can use it to help pay for a variety of expenses.1
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 can start at around $10 per month.1
Don’t wait until it’s too late. Help cover yourself and your family with coverage from Aflac.
Get StartedHere’s a look at how hospital indemnity insurance compares to other types of supplemental policies Aflac offers:
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.
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.
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 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.
You might want to explore hospital indemnity insurance if any of the following situations apply to you:
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.
As you shop around for a hospital indemnity insurance plan, it’s a good idea to focus on these factors:
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.
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.
Aflac offers affordable hospital indemnity insurance that can help give you peace of mind. Aflac processes completed policyholder claims quickly following covered hospital stays. Start chatting with an agent and consider getting a quote today.
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The face amount of life insurance is the money your loved ones will receive if you pass away. Learn how life insurance face value works and how to calculate what yours will be.
Voluntary life insurance may be offered by your employer. Learn what it is and the types of voluntary life insurance plans that may be available to you.
The face amount of life insurance is the money your loved ones will receive if you pass away. Learn how life insurance face value works and how to calculate what yours will be.
Voluntary life insurance may be offered by your employer. Learn what it is and the types of voluntary life insurance plans that may be available to you.
1 Forbes - What Is Hospital Indemnity Insurance? Updated March 10, 2023. Accessed April 8, 2025.https://www.forbes.com/advisor/health-insurance/hospital-indemnity-insurance/.
Content within this article is provided for general informational purposes and is not provided as tax, legal, health, or financial advice for any person or for any specific situation. Employers, employees, and other individuals should contact their own advisers about their situations. For complete details, including availability and costs of Aflac insurance, please contact your local Aflac agent.
Aflac coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, Aflac coverage is underwritten by American Family Life Assurance Company of New York.
Hospital, B40000 series: In Delaware, Policies B40100DE & B4010HDE. In Idaho, Policies B40100ID & B4010HID. In Oklahoma, Policies B40100OK & B4010HOK. In Pennsylvania, Policies B40100PA & B4010HPA. In Virginia, Policies B40100VA & B4010HVA.
Accident, A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA.
Cancer/Specified-Disease, B70000 series: Cancer insurance is also known as Specified-Disease Insurance in some states. In Delaware, Policies B70100DE, B70200DE & B70300DE. In Idaho, Policies B70100ID, B70200ID, B70300ID, B7010EPID, B7020EPID. In Oklahoma, Policies B70100OK, B70200OK, B70300OK, B7010EPOK, B7020EPOK. A75000 series: In Virginia, policies A75100VA–A75300VA.
Critical Illness, A74000 series: In Delaware, Policies A74100DE, A74200DE, A74300DE. In Idaho, Policies A74100ID, A74200ID, A74300ID. In Oklahoma, Policies A74100OK, A74200OK, A74300OK. In Virginia, Policies A74100VA, A74200VA, A74300VA. A73000 series: In Delaware, Policies A73100DE & A7310HDE. In Idaho, Policies A73100ID & A7310HID. In Oklahoma, Policies A73100OK & A7310HOK. In Virginia, Policy A73100VA & A7310HVA. B71000 series: In Delaware, Policies B71100, B71200, B7130H & B7140H. In Oklahoma, Policies B71100OK, B71200OK, B7130HOK & B7140HOK.
Short-Term Disability, A57600 series: In Delaware, Policies A57600DE & A57600LB. In Idaho, Policy A57600IDR. In Oklahoma, Policies A57600OK & A57600LBOK. In Virginia, Policies A57600VA & A57600LBVA.
Other coverage is underwritten by Tier One Insurance Company. Tier One Insurance Company is part of the Aflac family of insurers. In California, Tier One Insurance Company does business as Tier One Life Insurance Company (Tier One NAIC 92908).
Accident, A36000 series: In Idaho, Policies A36100ID–A36400ID, & A363OFID. In Virginia, Policies A36100VA – A36400VA, & A363OFVA. A37000 series: In Delaware, Policy A371AA & A371BA. In Idaho, Policy A37000ID. In Oklahoma, Policy A37000OK. In Virginia, Policies A371AAVA & A371BAVA. A38000 series: In Delaware Policies A38100DE – A38300DE, In Oklahoma A38100OK – A38300OK.
Cancer/Specified Disease plans, T70000 series: In Delaware, Policy T70000. In Idaho, Policy T70000ID. In Oklahoma, In Virginia, policies T70000VA & T70000GVA.
Critical Illness, T71000 series: In Delaware, Policy T71000. In Oklahoma, Policy T71000OK. In Virginia, Policy T71100VA.
Coverage may not be available in all states, including but not limited to DE, ID, NJ, NM, NY, VA or VT. Benefits/premium rates may vary based on state and plan levels. Optional riders may be available at an additional cost. Policies and riders may also contain a waiting period. Refer to the exact policy and rider forms for benefit details, definitions, limitations, and exclusions.
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