What is Hospitalization Insurance?
The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy
- Hospitalization Insurance / Supplemental Insurance / Hospital Indemnity
- Insurance Plans that Help Cover the Cost of Hospital Stays
- Coverage for Planned & Unplanned Hospital Stays
- Payment for Each Day Spent in the Hospital
- Additional Coverage for Qualified Expenses
When should you consider Hospitalization Insurance?
Hospital stays can strain even the healthiest of budgets. And in many cases, you can’t ignore the care you need even if it pushes you financially. Hospital Indemnity insurance plans provide payment for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use as you choose, whether for hospital bills or those other costs that come up while you’re recovering.
On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:
You don’t have to meet a deductible to receive your benefits
No networks - payment amounts are the same regardless of whether you are in-network or out-of-network
Benefit payments are yours to use as you decide
Coverage is available for the entire family
Coverage is renewable until age 65
Allstate Accident & Hospitalization Insurance
Life can be unpredictable. And when it comes to our health, it’s important to have the right plan to keep you covered financially if the unpredictable happens. With Plan Enhancer from Allstate Health Solutions, you design an affordable plan that’s just right for you and your family. You can add levels of coverage to help protect you from the out-of-pocket costs that often come with accidental injury, illness, and hospital stays.
Plan Enhancer starts with Accident Medical Expense coverage. Then, you can add optional Cancer and Heart/Stroke and Sickness Hospitalization riders — depending on your needs and availability in your state. If the unexpected happens, the plan pays cash benefits, regardless of other medical coverage. So you can cover what you need, when you need it most.
Accident & Hospitalization Plan
- No deductible
- Pays full benefit regardless of other coverage
- No network restrictions
- Lump-sum benefit paid on first covered day of hospital admission
- One benefit per year, per person and two benefits per year, per family
- 30-day waiting period
- Pre-existing conditions limitation applies
- Coverage available for ages 18-64
- Applicants must answer health questions to qualify
Do you have questions regarding Supplemental Insurance? At Direct Insurance Solutions, our team of knowledgeable, Licensed Hospitalization Insurance Specialists are here to help you every step of the way.
Questions About Supplemental Hospitalization Insurance?
Give us a call, toll-free, and one of our Insurance Agents will help answer any questions you may and will be there to guide you through the process quickly and easily.