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Hospital Indemnity Insurance

Protect you and your family from expenses associated with a hospital stay

A stay in the hospital can be expensive and costs are continuing to rise. Your medical coverage could leave you responsible for copayments, deductibles, transportation expenses and more. Hospital indemnity insurance helps keep you protected from expenses associated with a hospital stay.

  • Hospital care represents 31% of all healthcare expenditures in the U.S. It’s the most significant driving factor in the rising cost of healthcare nationwide.1
  • More than 35 million people are admitted to U.S. hospitals each year.2
  • The average stay in a U.S. hospital lasts 4.9 days.3
Medical Costs are only one piece of the puzzle

If you are ever have to stay in a hospital, supplemental health insurance benefits can help while you recover. Benefit payments can be used as needed to help pay expenses like these:

  • Special Expenses

    Special Diets
    Family Care

  • null

    Insurance Shortfalls

    Benefit Limitations

  • Living Expenses

    House Payments
    Car Payments

  • Loss of Income

    If you or your spouse is unable to work or must provide care for a family member.

Hospital Indemnity Insurance Benefits
  • Hospital Confinement Benefits
  • Outpatient Surgical Benefits
  • Doctor Office Visit Benefits
  • Emergency Room Benefits
  • Emergency Travel Benefits
  • Hospitalization Daily Benefits

1American Cancer Society, Cancer Facts & Figures 2012, 2012, p.1.

2Ibid., p.11.

3American Cancer Society, Cancer Facts and Figures 2014, p.1-2.

4American Cancer Society, Cancer Facts and Figures 2014, p.3.

5The return-of-premium benefits are contained in rider form CHIC-8047, including state variations, where used.

Insurance policies underwritten by Washington National Insurance Company, home office: Carmel, IN.
LIMITED-BENEFIT POLICIES. These policies have limitations and exclusions. For costs and complete details of coverage, contact an agent.

The return of premium (ROP) or cash value (CV) (in MO, “cash return”) benefit is subject to state and product availability. The benefit has an additional charge and may pay minus claims or regardless of claims based on the policy selected. The policy must remain in force until the end of the ROP/CV period for the benefit to be paid.