Hospital indemnity insurance is coverage you can add to your existing health insurance plan. This form of supplemental insurance pays you a predetermined benefit amount per day for each hospital confinement. The insurance company usually pays this daily benefit amount for up to a year.

 

The coverage your hospital indemnity insurance provides will depend on your plan selection. In general, most plans cover:

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• Hospital confinement (with or without surgery)

• Intensive Care Unit (ICU) confinement

• Critical Care Unit (CCU) confinement

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However, there are plans that cover even more. Some hospital indemnity coverage also includes:

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• Outpatient surgery

• Continuous care

• Outpatient X-rays and laboratory procedures

• Outpatient diagnostic imaging procedures

• Ambulances

• Emergency rooms

• Physician office visits

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