Hospital Indemnity Insurance

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What is Hospital Indemnity Insurance?

Extra protection when you need it most.

Even with good health insurance, a hospital stay can leave you with unexpected expenses — deductibles, co-pays, or non-medical costs that add up quickly. Hospital Indemnity Insurance is a supplemental policy that pays cash directly to you when you’re admitted to the hospital due to an illness or injury.


It’s not meant to replace your health plan — it’s meant to help you manage costs that your health plan doesn’t cover, especially if you have a high deductible or a large maximum out-of-pocket (MOOP).


How It Works

Hospital indemnity coverage pays a fixed benefit when you’re admitted to the hospital. Depending on your policy, it may also pay for:


  • ICU stays
  • Outpatient surgeries
  • Emergency room visits
  • Skilled nursing or rehab stays


You can use the money however you need — whether that’s covering medical bills, transportation, groceries, or making up for lost income.


Why It Matters

  • Helps reduce your MOOP by covering out-of-pocket costs
  • Provides financial relief during recovery
  • Covers gaps your health insurance doesn’t
  • Flexible payout – use the cash any way you choose
  • Affordable plans with options to fit most budgets


Is It Right for You?

If your health plan has a high deductible or if you want peace of mind knowing a hospital stay won’t wreck your budget, hospital indemnity insurance is worth a look. It’s especially helpful for families, older adults, and anyone managing a tight monthly budget.


Let’s chat. We’ll walk you through your options and help you decide if hospital indemnity coverage fits your needs and helps protect your wallet.

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Find the Right Insurance Coverage for Your Needs
Speak with one of the friendly, helpful agents at Ohio Senior Insurance.
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(888) 421-9243

(888) 421-9243