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Individuals & Families
Individuals & Families
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What is Hospital Indemnity Insurance and How Does It Work?

When the unexpected happens, a trip to the hospital may be necessary. Traditional health insurance rarely covers all of your hospital bills, which is why hospital indemnity insurance can be so valuable. This policy can help you cover costs that aren’t covered by your primary health insurance. Aflac offers cost-effective hospital insurance through worksite payroll deduction that can help you cover co-pays, deductibles, and more unexpected out-of-pocket costs.

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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 type of supplemental insurance policy that can help pay for hospital-related expenses that aren’t covered by primary health insurance. Policies work differently between plans and insurers, but Aflac’s hospital insurance pays cash benefits, unless otherwise assigned. You can use these benefits to pay for co-pays, deductibles, uncovered treatments, or even living expenses.

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

Hospital indemnity insurance can have several significant benefits:

  • Extended coverage: Hospital indemnity coverage may be available to you, your partner and your children too.
  • Flexibility: By paying cash benefits, some policies allow you to cover a range of uncovered and unexpected costs, like childcare or grocery costs if the doctor recommends a specific diet.
  • Portability: 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.
  • Speed: Covered claims are usually processed quickly, so you can use your cash benefits sooner rather than later to help stay afloat.

Aflac's hospital indemnity insurance is designed to help you cover unexpected out-of-pocket costs 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.

Is hospital indemnity insurance worth it?

Everyone has different insurance coverage wants and needs. Hospital indemnity insurance may be worth it if:

  • You're at risk of health issues: If you have a family history of critical illness or other genetic disorders, it may be a good idea to have hospital insurance in case of an emergency.
  • You want more comprehensive coverage: If you have a procedure that's mostly covered by your primary insurance, you might still owe a significant deductible and have follow-up costs that aren't covered by insurance.
  • Your family needs financial support: If your family may struggle if you're unable to work or pay hospital costs, hospital indemnity insurance can provide a safety net.

Learn more about Aflac hospital indemnity insurance

Hospital indemnity insurance can help reduce your out-of-pocket costs after a trip to the hospital. Aflac offers hospital indemnity insurance plans through worksite payroll deduction, so employers can help employees feel better prepared for life’s curveballs. Our plans pay cash benefits directly, unless otherwise assigned, to help with unexpected costs. To learn more about hospital indemnity insurance, chat with an Aflac agent today.

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Learn more about Aflac products for Individuals & Families:

Accident Insurance Cancer Insurance Life Insurance Critical Illness Insurance Final Expense Insurance
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