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What is Hospital Indemnity Insurance?

When the unexpected happens, a trip to the hospital may be a possibility. Hospital indemnity insurance can help ease your stress about hospital bills so you can focus more on getting better. Read on to learn how hospital insurance works and what it covers.

2 Min Read

Table of Contents

Key Takeaways

  • Hospital indemnity insurance is a supplemental policy that provides additional coverage to help you pay for hospital-related expenses not covered by your primary health insurance.
  • Aflac offers hospital indemnity insurance through worksite payroll deduction, along with supplemental plans for individuals that can provide a financial cushion if you suffer a covered illness or injury.

How does hospital indemnity insurance work?

Hospital indemnity insurance is a supplemental policy that can help you pay for expenses your primary insurance doesn’t cover if you have to go to the hospital. Every hospital indemnity insurance plan is different, but Aflac's hospital insurance pays the policyholder cash benefits, unless otherwise assigned. These benefits can be used to help pay for a variety of treatments and procedures related to hospital stays.

Aflac offers hospital indemnity insurance, with premiums payable through worksite payroll deductions. We recommend chatting with your employer to see if Aflac hospital insurance is offered through your employer. If not, Aflac offers other supplemental insurance plans for individuals that can help you bounce back from covered injuries or illnesses.

What does hospital indemnity insurance cover?

Here are some hospital-related costs that hospital indemnity insurance may assist you with:

  • Hospital stays
  • Intensive care
  • Critical care
  • Emergency room visits
  • Some outpatient surgeries
  • Ambulance rides

Advantages of hospital indemnity insurance

Here are a few specific details that can make Aflac hospital indemnity insurance worth it for policyholders and companies at large:

  • Hospital indemnity coverage may be available to you, your partner and your children too.

  • Typically, these insurance plans are portable, meaning you can take the coverage with you if you move somewhere new or start a new job. However, this depends on the type of coverage options that your company offers.

  • Covered claims are usually processed quickly, so you can use your cash benefits sooner rather than later to help stay afloat.

  • Our hospital indemnity insurance is designed to help you cover costly expenses that can accumulate while visiting the emergency room.
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Hospital indemnity insurance vs. other supplemental insurance plans

Even though our hospital indemnity insurance plans are only available through employer payroll deductions, Aflac offers other individual supplemental options that you may want to consider. These plans can still help financially protect you if you're faced with high hospital bills. The supplemental plans listed below can be applied for individually and premiums can be paid on a direct basis:

  • Accident insurance pays cash benefits in the event of a covered injury. These payments can be used to help with whatever you need, whether it be x-rays or groceries.
  • Critical illness insurance can help cover the costs that arise if a covered life-changing event happens – like a heart attack or stroke. These plans can help you cover ambulance fees, emergency room stays, necessary prescriptions, or any other expenses.
  • Cancer insurance can help you and your family stay afloat when a covered cancer diagnosis or specific disease occurs. These plans can help you cover the treatments and procedures that you may need. Chat with an agent to learn more about the benefits that are available.

Why is hospital indemnity insurance worth it?

To determine if hospital indemnity insurance is worth it, consider this hypothetical example. We hope it never comes to this, but let's say you have a heart attack and get rushed to the emergency room. There, your doctors run a variety of tests on you, and it is determined that you will need a stent. The surgery goes well but your doctor prescribes you beta-blockers to stay on the safe side.

Your primary medical insurance may cover the majority of the costs for the treatments, but the deductible may still be higher than you anticipated and there may be many expenses remaining. That's where Aflac hospital indemnity insurance coverage comes in. Our plans pay cash benefits directly, unless otherwise assigned, to help with unexpected costs. If that sounds like something you and your family could benefit from, a hospital indemnity insurance plan may be the right choice for you.

Get a hospital indemnity insurance plan from Aflac

If you are an employer, our hospital indemnity insurance can help employees feel safe and better prepared for life's curveballs. If you are an employee and your company doesn't currently offer hospital insurance, we recommend starting the conversation with them. Aflac can also help you clarify which types of coverage may be best given your current employment situation and health care coverage.

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Learn more about Aflac products for Individuals & Families: