Will my hospital insurance benefits be paid to me?

You may choose to receive your benefit payments directly,[1] or you may ask your insurer to pay the benefit amount to your provider.

Hospital indemnity benefits typically do not coordinate with any other health insurance coverage you may have, like major medical. That means that no matter what your major medical policy pays for a covered illness, injury or healthcare service, the hospital plan will pay its fixed indemnity benefit as indicated in your policy.