What is hospital confinement indemnity insurance?

No matter how good your medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out of pocket costs that aren’t covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a plan that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help.

Some Aflac advantages:

  • No deductibles
  • Increased benefit amount for the first five days of hospitalization
  • HSA compatible policies are available 
  • We don't use networks, so you can be treated at the hospital of your choice
  • No precertification
  • You own your policy, so even if you change jobs or retire, you can take it with you.

 

Who should think about hospital confinement insurance?

Who should think about hospital confinement indemnity insurance?

Anyone concerned about hospital costs should think about hospital confinement indemnity insurance! You probably have a separate deductible and coinsurance with your major medical insurance that must be met before hospital benefits kick in. And those benefits will typically be paid to the hospital-not to you. Use Aflac's cash benefits as you need them, when you need them, and where you need them. We pay. You decide.

 

Why do I need hospital confinement indemnity insurance?

Concerned about the cost of hospitalization? Rightly so—a hospital stay, even a short one, can be very expensive. Even with the best major medical insurance policy, your entire hospital bill probably won't be covered. And what about things health insurance was never intended to cover, like transportation and meals for visiting family members, help with child care or time away from work? Often it's those unexpected expenses that add up quickly and force you to dip into your savings or borrow. A hospital confinement indemnity insurance policy is designed to provide you with cash benefits during a covered hospitalization.
Did you know?

Did you know?

According to the American Hospital Association, the average length of a hospital stay is 5.6 days with an average cost well above $8,000.*

In 2005, 37 percent of total surgeries were inpatient, while 63 percent were outpatient surgeries.*

*Hospital Statistics© 2007 Edition, Health Forum LLC, an affiliate of the American Hospital Association.

 
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Hospital Confinement Indemnity Brochure
For details about a plan available from Aflac, please select your state of residence. Other plans may be available in your state.
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