What is hospital confinement sickness indemnity insurance?

Our Hospital Confinement Sickness Indemnity insurance policies help ease the financial burden of hospital stays due to illness by providing you with cash benefits.  While the primary benefits of the policy pay for hospital care, there's also a physician visit feature for those times when you're sick, have an accident, or just need a routine exam.

Some of the policy benefits include:

  • Hospital confinement
  • Major diagnostic exams
  • Surgery 
  • Ambulance transportation
  • Different levels of coverage to suit your needs and budget
  • No precertification or network requirements 
Who should think about hospital confinement sickness insurance?

Who should think about hospital confinement sickness indemnity insurance?

Anyone concerned about illness-related hospital costs should consider applying for Aflac's hospital confinement sickness indemnity insurance. If you're hospitalized due to illness, you'll probably have a hospital deductible to meet, as well as such expenses as copayments, diagnostic procedures and doctor visits. Aflac pays hospital insurance benefits directly to you, unless directed otherwise, and you can use the cash when you need it and where you need it. We pay. You decide.

 

Why do I need hospital confinement sickness indemnity insurance?

You might think of the hospital as a place to go if you have an accident, but the truth is that the majority of hospital stays are due to sickness. Just a few days in the hospital for routine illness can be expensive. Our hospital confinement sickness indemnity insurance policies can help protect you in case of a hospitalization due to sickness.
Did you know?

The majority of emergency room visits and hospitalizations are sickness-related (as opposed to injury-related)? Injury Facts, National Safety Council, 2008 edition

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 Sickness Indemnity
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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