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  • Home Individuals & Families Shop for Plans Supplemental Health Insurance Hospital Indemnity Insurance

    Insured by Loyal American Life Insurance Company

    Hospital Indemnity Insurance

    A hospital indemnity policy can help you cover out-of-pocket expenses with a fixed benefit dollar amount. Available for around $5/month.1

    Shop and compare plans now

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    8 am - 11 pm ET, Monday - Friday

    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
    • Rates do not increase and benefits do not change with age or health status.
    • Coverage continues after the first hospitalization, so you’re covered for future hospital stays.5
    • Offers coverage for you and your dependents.
    • Worldwide coverage with the freedom to choose any hospital, facility, or doctor.
    • Your policy is guaranteed renewable for life.6
    • Available for ages 18-89.

    Customize your Hospital Indemnity Insurance policy

    With three policy options—Choice Core, Choice Preferred, and Choice Premier—and four optional riders7, Cigna Healthcare provides you with a variety of benefits to explore, allowing you to choose the coverage that best suits your needs and budget. Consider adding one or more of the following riders for even more coverage (these summaries contain highlights only and are subject to change):

    Ambulance Rider

    Pays a benefit for ambulance transportation via ground, water, or air. No hospital admission or confinement is required.

    Hospital Admission Rider

    Pays a benefit for inpatient hospital admission.

    Intensive Care Rider

    Doubles the Hospital Confinement benefit for confinement in a hospital intensive care unit.

    Outpatient Diagnostic Exam & X-ray Rider

    Pays a benefit for x-rays and major diagnostic exams completed in a hospital, urgent care center, emergency room, or a physician’s office.

    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:


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

    Continue shopping for your own coverage

    Dental Coverage

    Medicare Supplement Insurance

    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 applicants between the ages of 18-42 selecting the Core plan option and a 3 day, $100 hospital confinement benefit in all states except NH and ID. Premium does not include additional riders. 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, facility, or unit of a hospital for: rehabilitation, hospice care, extended care, custodial, educational, or nursing home for the aged, chemically dependent or alcohol dependent.

    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 If they are for different covered injuries or illnesses, or there are 60 days between admissions for the same covered injury or illness.

    6 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.

    7 Optional riders available for an additional premium. Riders are not available in all states.

    IMPORTANT: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. The payment you get isn’t based on the size of your medical bill. There might be a limit on how much this policy will pay each year. This policy isn’t a substitute for comprehensive health insurance. Since this policy isn’t health insurance, it doesn’t have to include most federal consumer protections that apply to health insurance.

    Looking for comprehensive health insurance? Visit HealthCare.gov or call 800.318.2596 (TTY: 855.889.4325) to find health coverage options. To find out if you can get health insurance through your job or a family member’s job contact the employer.

    Questions about this policy? For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.” If you have this policy through your job or a family member’s job, contact the employer.

    THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY DO NOT CONSTITUTE COMPREHESIVE HEALTH INSURANCE COVERAGE AND ARE NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE. THE LUMP SUM CANCER AND CANCER TREATMENT POLICIES ARE CANCER ONLY POLICIES.

    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: MA, NJ, NM or NY.

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

    Cigna Supplemental Insurance products and services are underwritten or administered by operating subsidiaries of Health Care Service Corporation, a Mutual Legal Reserve Company (“HCSC”), including Loyal American Life Insurance Company. The Cigna names, logos, and marks, including THE CIGNA GROUP and CIGNA HEALTHCARE are owned by Cigna Intellectual Property, Inc. and used under license.

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

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