Accident & Hospital Indemnity
Money paid to you, not to the hospital.
Health insurance pays providers. These policies pay you, in cash, when you're hurt or admitted — so the deductible, the rent, and the missed paychecks don't all land at once.
The problem these solve
The bill isn't the only thing that hurts
A good health plan still has a deductible — often several thousand dollars. If you're hospitalized after an accident, that deductible comes due immediately, and your income may stop at the same time.
Accident Coverage
Covers accidents on or off the job, 24 hours a day. It pays a schedule of benefits based on the treatment you actually receive — emergency room, surgery, ambulance, imaging, follow-up care, and more.
- $2,000 for the first 24-hour hospital stay
- $500 per day for continued confinement, up to 365 days
- Both amounts double if you're confined in ICU
- Additional benefits across surgery, ER, ambulance, and more
Pays regardless of what your health plan pays
Hospital Indemnity
Pays a lump sum when you're admitted, plus a daily benefit for every day you stay. It isn't tied to your bill, your claim, or your deductible — it's cash, and it's yours to use however you need.
- $2,000 on hospital admission for stays over 24 hours
- $200 per day of hospital confinement
- Paid directly to you, not to the facility
- Use it for the deductible, bills, or lost income
No claim forms filed against your health plan
Ask anyone who has been hospitalized what actually broke them. It usually wasn't the hospital bill — it was the four weeks of missed work.
Common questions
How these actually work
Is this health insurance?
No. This is supplemental coverage. It is not comprehensive health insurance and it does not satisfy minimum essential coverage requirements. It's designed to sit alongside a health plan and cover what that plan leaves behind — not to replace it.
Do I have to submit bills to get paid?
These are indemnity benefits, which means they pay a set amount for a covered event rather than reimbursing a specific bill. You file a claim documenting what happened, and the benefit is paid to you directly.
Does it pay if my health insurance already paid?
Yes. These benefits are paid in addition to whatever your health plan covers. They don't coordinate with or reduce because of your major medical coverage.
Can I get this without buying a health plan through you?
Yes. These are standalone policies. Plenty of people keep the employer plan they already have and add accident or hospital coverage to close the deductible gap.
Benefit amounts shown are typical
Exact benefits, amounts, exclusions, waiting periods, and availability vary by carrier, by state, and by the specific policy issued. Figures on this page are illustrative examples, not a quote or a guarantee of coverage. Full terms are set out in the policy documents you'll receive before you buy anything.
Next step
Find out what it would cost you.
Usually less than people expect — often a fraction of what a single hospital deductible would cost out of pocket.