Standalone Hospital Indemnity
🏨 Cash for Every Day You’re Admitted
A set cash benefit for each day of a covered hospital stay — paid to you, not the hospital, with no network to worry about.
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📅 See If This Fits a Hospital Stay, Pick a Time on Google Calendar
🏥 What does hospital indemnity actually pay?How It Works
A fixed cash benefit for each qualifying day you’re admitted — paid directly to your account regardless of what your actual hospital bill costs, and regardless of any other insurance you carry.
📦 Basic vs. Bundled — what’s the difference?Plan Types
Basic plans pay strictly for room confinement, ICU, and observation days. Bundled options add cash for ER visits, urgent care, outpatient surgery, and major diagnostic testing on top of the daily hospital benefit.
👪 Who can enroll?Eligibility
Guaranteed issue options, primary applicants 18–64, no upper age limit for a spouse, dependents to age 26, $0 application fee, and no provider network restrictions.
⚖️ How does this compare to the Guaranteed Issue plan?Compare
| Feature | Standard Hospital Indemnity | Guaranteed Issue Hospital & Outpatient |
|---|---|---|
| Medical Underwriting | Standard (GI on select bundles) | 100% Guaranteed Issue |
| Doctor Visits & Urgent Care | Higher-tier “Bundled” add-on only | Included standard |
| Coordination of Benefits | Pays alongside other insurance | NO COB — pays in full |
| Direct-to-Provider Payment | Cash to you only | Optional assignment to provider |
| Application Fee | $0 | $0 |
🧾 Are the payouts taxable?Taxes
Generally no, when premiums are paid with post-tax dollars.