Hospital indemnity insurance

Hospital indemnity insurance provides a lump-sum benefit for a covered hospital confinement or outpatient surgery to help with co-payments and deductibles that are not covered by most major medical plans.

During a hospital stay, your health insurance may cover hospital fees, outpatient surgery, office visits, ER costs or prescriptions, but what about initial expenses such as:

  • Deductibles
  • Co-payments
  • Out-of-pocket

Hospital indemnity insurance can help cover those extra expenses. This insurance is designed to provide a lump-sum benefit for a covered hospital confinement to help offset the costs not covered by most major medical plans.

If you take the right steps, a hospital stay doesn’t have to impact your finances.


This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage.

Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. This insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your benefits counselor or the company.

Underwritten by The Paul Revere Life Insurance Company, Worcester, MA, and administered by Colonial Life & Accident Insurance Company.