What is a Hospital Indemnity Policy- 

Hospital indemnity insurance is a type of supplemental insurance that provides cash benefits to help cover the costs of a hospital stay. Unlike traditional health insurance, which pays doctors and hospitals directly, hospital indemnity plans pay you a fixed amount per day, week, or event (like surgery or ICU admission). You can use this money for anything—medical bills, lost wages, or even everyday expenses. It’s designed to help ease the financial burden of unexpected hospital stays by covering out-of-pocket costs like deductibles, copays, and non-medical expenses

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