What does hospital insurance cover?

When you are hospitalized due to an injury or illness, hospital indemnity insurance may provide benefits for the following types of medical services:

  • Hospital room and board
  • Inpatient physician’s visits
  • Inpatient prescription medications
  • Inpatient surgery
  • Outpatient surgery
  • Ambulance services

If you combine your hospital insurance plan with critical illness coverage or select a hospitalization insurance plan, which includes that type of coverage, your insurance may also provide benefits for medical services related to hospitalization for conditions such as:

  • Cancer
  • Heart attack
  • Stroke
  • Major organ transplant
  • Coma
  • Kidney failure

You may also have the option to customize your hospital insurance policy, and select benefits to provide coverage for outpatient services such as preventive care, urgent care and diagnostic services (X-rays and lab tests). Remember, you must read any policy you’re considering carefully to understand what is covered and what is excluded. The above lists are only examples.

Call 888-855-6837 for more details about available plan options.