Hospital Indemnity Insurance
Hospital stays are expensive — even with major medical coverage. Hospital indemnity insurance pays a fixed cash benefit directly to your members when they're admitted to a hospital, helping cover deductibles, copays, lost wages, and everyday expenses during recovery.
Sell hospital indemnity insurance to help members bridge the gap when hospitalization strikes
Hospital indemnity insurance is a supplemental product that pays a fixed cash benefit when a member is admitted to a hospital — for any covered reason. The benefit is paid directly to the member, not the hospital, so they can use it however they need: deductibles, copays, mortgage payments, childcare, or any other expense that arises during a hospital stay.
Unlike traditional health insurance that pays providers for specific services, hospital indemnity pays a predetermined lump sum per day or per admission. It's designed to work alongside major medical coverage to help fill the financial gap.
Hospital indemnity insurance can help members who
Hospital stays can create unexpected financial strain — even for people with health insurance. Hospital indemnity provides a financial safety net when it's needed most, with benefits paid directly to members as cash.
Face High Deductibles
Members with high-deductible health plans who could face thousands in out-of-pocket costs from a single hospital stay.
Support a Family
Families who need income protection when a hospital stay means missing work and losing wages.
Lack Emergency Savings
Members without sufficient savings to absorb the financial impact of an unexpected hospitalization.
Want Extra Protection
Anyone who wants an additional layer of financial protection beyond their major medical plan.
Need Simple Coverage
Members who want straightforward supplemental coverage with no networks, no referrals, and no claim forms to providers.
Value Flexibility
Cash benefits can be used for any purpose — medical bills, household expenses, childcare, or anything else during recovery.
Hospital indemnity insurance options
We partner with nationwide carriers to provide high-quality, affordable insurance options to your members. As an exclusive administrator for The Health Depot Association and Affiliated Workers Association, we can provide group rates to your members.
States Available
Premier Health Solutions offers hospital indemnity insurance in 44 states. Many plans are guaranteed issue, with standard issue options also available.
Affordable Premiums
Premiums vary based on coverage level, daily benefit amount, benefit period, and the member's location. Plans are designed to be accessible and affordable.
We Serve
Small businesses, agencies and independent agents, and associations and membership organizations benefit from our comprehensive administration.
Group Rates
Exclusive group rates through our partnerships with The Health Depot Association and Affiliated Workers Association.
Things to keep in mind
Hospital indemnity insurance is a supplemental product — it is not a substitute for major medical or comprehensive health insurance. Benefits are triggered by a covered hospital admission and are paid as a fixed cash amount regardless of the actual hospital charges.
These plans are not considered minimum essential coverage under the Affordable Care Act. They are designed to work alongside — not replace — your primary health insurance.
What you can expect from Premier Health Solutions
Our team works from a unique model, pairing affordable insurance products with industry-leading member services. Industry veterans from top insurance and financial organizations lead our team.
Innovative cost-saving solutions
Value-added benefits that protect members from many out-of-pocket costs.
A concierge approach to member services
Real people answering questions and providing support when members need it.
Dedicated assistance to help you grow
Comprehensive, end-to-end services for your small business insurance administration needs.
Reliable support for your agency
High-quality relationships with leading carriers across the U.S. to create affordable and benefits-rich plans.
About Hospital Indemnity Insurance
Hospital indemnity insurance is a supplemental insurance product that pays a fixed cash benefit directly to you when you are admitted to a hospital for a covered stay. The benefit amount is predetermined and does not depend on the actual hospital charges — you receive the same cash payment regardless of your hospital bill.
No. Hospital indemnity insurance is a supplemental product and is not a substitute for comprehensive health insurance. It is not minimum essential coverage under the Affordable Care Act. It is designed to help cover out-of-pocket costs and financial gaps that arise during a hospital stay.
Coverage typically includes benefits for hospital admission, daily hospital confinement, ICU or critical care stays, emergency room visits, and surgical procedures. Specific benefit amounts and covered events vary by plan.
Benefits are paid as direct cash to the member. Once a covered hospital admission is verified, you receive the benefit amount directly — you can use it however you need, whether for medical bills, lost wages, mortgage payments, childcare, or everyday expenses during recovery.
In many cases, no. Guaranteed issue options are available, meaning you can enroll without answering health questions or completing a medical exam. Availability may vary by state and plan.
Hospital indemnity insurance administered by Premier Health Solutions is currently available in 44 states. Contact us for the most current list of available states and plan options.
Yes. Hospital indemnity insurance is specifically designed to work alongside your existing health insurance. It helps fill in financial gaps by providing cash benefits you can use for deductibles, copays, lost income, or any other expenses that come with a hospital stay.
Hospital indemnity is triggered specifically by hospital admissions and confinement, while accident insurance covers accidental injuries and critical illness covers specific diagnoses. Many members carry multiple supplemental products to create a comprehensive financial safety net.
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Our long-term success at Premier Health Solutions comes down to one thing. We simply do things the right way — for our customers and your members. We're committed to making healthcare more accessible for everyone. By offering innovative and cost-effective solutions for today's families, we're making that happen.