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Hospital Indemnity Insurance

A hospital indemnity policy can help you cover out-of-pocket expenses with a fixed benefit dollar amount. Available for around $10/month.1

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Hospital Indemnity Insurance Product Details

A hospital stay can be expensive, and can happen at any time.2 Even with medical coverage, out-of-pocket expenses can add up quickly. How can Hospital Indemnity Insurance help you?

  • Pays the specific fixed benefit dollar amount you selected when applying if you have a covered hospitalization resulting from a covered injury or illness, regardless of the amount charged by providers.3
  • There are no restrictions on how you can spend the money. Use the cash benefit to help pay:
    • Deductibles, coinsurance, copays (no network restrictions)
    • Prescription drugs
    • Extended hospital stays
    • Rehabilitation
    • Household expenses like rent or mortgage, groceries, childcare, housekeeper, etc.4
  • Your policy can be tailored to your needs and budget.
  • Coverage continues after the first hospitalization, so you’re covered for future hospital stays.
  • Includes coverage for you and your dependents.
  • Your policy is guaranteed renewable for life.5
  • Available for ages 50-85.

Customize your Hospital Indemnity Insurance policy

We can also help you customize your Hospital Indemnity Insurance coverage to fit your needs. Riders6 offer coverage for specific situations and can be added for an additional monthly amount. Consider adding one or more of the following riders for even more coverage (these summaries contain highlights only and are subject to change):

Accident Fixed Indemnity Rider

Accidents happen. And the right coverage can help protect you from unexpected expenses. This rider pays a fixed indemnity benefit when you suffer covered injuries in a covered accident.

This rider also includes benefits for accidental death and dismemberment if an insured person passes away as a direct result of a covered accident.

Cancer Recurrence Rider

If you are concerned with a recurring diagnosis of cancer, our Cancer Recurrence Benefit Rider may pay you additional benefits should you receive subsequent diagnoses of cancer. You will receive a percentage of your benefit amount (not to exceed an additional 100% of the selected benefit amount) upon additional diagnoses of cancer provided you have not received advice or treatment for at least two years from the date of your last diagnosis.

Heart Attack and Stroke Restoration Rider

The additional coverage provided by this rider will pay a percentage of your selected benefit amount should you suffer subsequent covered heart attacks, strokes, or require a qualifying heart transplant - not to exceed an additional 100% of the selected benefit amount. These benefits are payable if the date of your last diagnosis for a heart attack, stroke or heart transplant was at least two years before your current diagnosis.

Specified Disease Benefit Rider

The Specified Disease Rider pays a lump sum benefit if you get a diagnosis* or procedure from a physician for one of the covered specified diseases.

*Diagnosis must be made within the United States

Jim's story

One day, Jim was doing some yard work and felt chest pains. Jim’s wife, Susan, took no chances and called 911. It turns out that Jim was experiencing a mild heart attack. He was admitted to the hospital and stayed for two nights.

Jim had bought a Hospital Indemnity Insurance policy some years back, for less than 50 cents per day1, it seemed like a smart decision. He used the cash benefit from the policy to pay for his major health insurance plan’s deductible, which would have been a major out-of-pocket expense. The cash benefit also helped to pay for other expenses so he and Susan didn’t have to worry about household bills while he focused on his recovery.4

(This is an example used for illustrative purposes only.)

State Specific Details

Learn more about the benefits included in the Hospital Indemnity Insurance policy by selecting the state where you live:

Alabama Alaska Arizona Arkansas Colorado D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachsetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Jersey New Mexico North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming View Brochure [PDF]

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State Policy Disclosures, Exclusions, Limitations, and Reductions

1 Rates are illustrative only. Please do not submit money. You must first obtain an application to obtain any coverage. Premium based on the individual rate for a 65-year-old in Alabama, with a 6 day, $100 hospital confinement benefit. Individual rates will vary based on your state, age at time of issue, coverage type, and the benefit amount you select. Rates are subject to change.

2 The term “hospital” does not include a clinic or facility, including a skilled nursing facility or an urgent care center, or a unit of a hospital for: Rehabilitation, convalescent care, custodial care, educational or nursing care for the aged, care for chemical dependence or alcohol dependence, or used exclusively for the treatment of mental and nervous disorders.

3 Minimum and maximum benefit amounts may vary by state and all benefits payable are subject to the terms and conditions of the policy.

4 Benefits received in excess of medical expenses may be considered taxable income. Consult your tax advisor.

5 Policy cannot be canceled as long as you pay your premium when due. The company reserves the right to increase premiums on a class basis.

6There will be a charge for each rider selected. Riders are not available in all states.


This website is designed as a marketing aid and is not to be construed as a contract for insurance. It provides a brief description of the important features of the policy. Full terms and conditions of coverage are defined by and governed by an issued policy. Please refer to the policy for the full terms and conditions of coverage.

This is a solicitation for insurance. An insurance agent/producer may contact you. Product availability varies by state. These policies contain exclusions, limitations, reduction of benefits, and terms under which the policy may be continued in force or discontinued. For cost and complete details of coverage, contact your insurance agent/producer or the company. Cancer Treatment, Lump Sum Cancer, Lump Sum Heart Attack and Stroke, Hospital Indemnity and Individual Whole Life Insurance Policies are insured by Loyal American Life Insurance Company.

Lump Sum Heart Attack and Stroke policy is not available in: ID, MA, NY, or VA.

Lump Sum Cancer policy is not available in: ID, NY, VA or WY.

Cancer Treatment policy is not available in: ID, MA, MN, NH, NJ, NY, UT, or WY.

Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

Whole Life policy is not available in: FL or NY.

Accident Treatment policy is not available in: ID, NH, NY, or VA.

All Cigna HealthcareSM products and services are provided exclusively by or through operating subsidiaries of The Cigna Group Corporation, including Loyal American Life Insurance Company. The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

This page is not intended for residents of Idaho, New Mexico, and Oregon.

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