What is Hospital Indemnity?Hospital Indemnity plans are considered fixed indemnity coverage, which means they provide completely separate benefits from your major medical insurance plan. When you incur covered medical expenses resulting from hospitalization, surgery, chemotherapy and radiation services, your HIP will pay a fixed benefit that amount may be per day, per week, per month, per visit or per event, depending on the plan and the benefit that applies.
Some hospital indemnity plans cover additional services such as ambulance trips, second surgical opinions, and even chemotherapy and radiation. Optional health maintenance and diagnostic testing benefits that pay a fixed amount for preventive care, X-rays, urgent care and other services may also be available with some plans. As with any healthcare product, the options and benefits available to you will vary by plan. |
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