Indemnity Insurance

Indemnity insurance plans are designed to give you extra financial protection when your health coverage leaves gaps. These plans pay cash benefits directly to you, which you can use however you need — whether that’s to cover medical bills, co-pays, or everyday expenses while you recover.

Types of Indemnity Coverage

• Hospital Indemnity – Provides payment for each day you’re in the hospital, helping cover co-pays, coinsurance, deductibles, prescriptions, or other costs not fully covered by Medicare Advantage or other health insurance.

• Critical Illness (Cancer, Heart Attack & Stroke – CHaS) – Offers a lump-sum benefit if you’re diagnosed with a serious condition. This money can be used for treatment, travel, household bills, or anything else you need while focusing on recovery.

• Short-Term Care – Helps cover the costs of care in a nursing facility or at home for a limited period, giving you flexibility and financial support if you need extra assistance for a short duration.

Why Consider Indemnity Plans?

Hospital stays, major illnesses, or short-term care needs can place a heavy strain on your budget — even if you have good insurance. Indemnity plans provide cash when you need it most, giving you the freedom to focus on your health instead of worrying about how to pay the bills.