Hospital Confinement

Even with health insurance, hospital stays can be expensive. Hospital confinement indemnity insurance can help you pay for things like deductibles, transportation and rehabilitation costs that would usually come out of your own pocket.

Key Features

• Benefits can be based on the number of days spent in a hospital, for outpatient and inpatient surgery, emergency room and rehabilitation services depending on the plans design
• Lump sum benefits are paid directly to you to spend as you want.
• Assistance with out-of-pocket expenses that may not be fully covered by health insurance
• Benefits paid regardless of any other insurance you have
• Spend benefits on what you need – coinsurance, lodging, child care

The average hospital stay is 4.9 days

The Healthcare Cost and Utilization Project, sponsored by the Agency for Healthcare Research and Quality (AHRQ). Statistical Brief 146, Costs for Hospital Stays in the United States, 2010, Anne Pfuntner, Lauren M. Wier, M.P.H., and Claudia Steiner, M.D., M.P.H. | FaceTheFactsUSA.org | National Safety Council, Injury Facts, 2012 | CDC National Hospital Ambulatory Medical Care Survey, 2009

The average cost of a hospital stay has doubled.