Daily Cash Benefits for Every Day You're Hospitalized
Hospital indemnity insurance pays a fixed cash benefit for each day you're admitted to the hospital. It works alongside your existing health insurance and pays directly to you, helping cover deductibles, co-insurance, lost wages, childcare, transportation, and any other costs that accumulate during a hospital stay.
For government employees, hospital indemnity fills the portion of hospital bills your FEHB plan doesn't cover, plus all the indirect expenses that come with being hospitalized.
The Hidden Cost of Hospitalization
The average hospital room costs over $1,300 per day before procedures, specialists, and supplies. Most health plans still leave patients with thousands in deductibles and co-insurance.
Hospital indemnity pays you a daily benefit on top of your health insurance, giving you cash for every expense your plan doesn't cover.
What Hospital Indemnity Covers
Daily Confinement Benefit
A fixed cash payment for each day you're hospitalized, an admission benefit plus a per-day benefit for the duration of confinement.
ICU Coverage
Intensive care stays trigger elevated daily payments, recognizing the higher medical and personal costs of critical care.
Outpatient Surgery
Many plans extend benefits to covered outpatient surgeries and same-day procedures at ambulatory surgical centers.
Ambulance Benefits
Emergency ambulance transport coverage can be bundled for comprehensive protection from incident to hospitalization.
No Coordination Required
Hospital indemnity pays regardless of other insurance. No offsets, no benefit coordination, no waiting for EOBs.
Guaranteed Renewable
Policies are typically guaranteed renewable as long as premiums are paid, protecting your coverage for the long term.
When Hospital Indemnity Makes the Biggest Difference
Meeting Your Deductible
A three-day hospitalization can trigger your full annual deductible. Hospital indemnity pays you cash to cover it without draining savings.
Income Loss During Recovery
Hospitalization often means missed work. Daily cash benefits help replace lost income while you focus on recovery, not bills.
Family Logistics Costs
Childcare, meals, travel, and lodging for family members during a hospital stay are real costs health insurance never covers.
Post-Hospital Rehabilitation
Many patients transition to rehabilitation facilities after hospitalization. Hospital indemnity benefits often extend to cover these stays.
Get Hospital Indemnity Coverage Today
A GRS specialist will compare plans and find the right daily benefit level for your needs and budget.
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