Indemnity insurance—often called fixed benefit or hospital indemnity coverage—gives you direct cash payouts for specific medical events such as hospital stays, surgeries, or doctor visits.

Instead of complex billing, you receive a set cash amount that’s paid directly to you.

The best part? You decide how to use it—whether for medical bills, everyday expenses, or anything else you need during recovery.

When a covered event happens—such as a hospital stay or outpatient surgery—your indemnity plan pays cash directly to you.

You decide how to use it:

- Cover deductibles and co-pays

- Handle everyday expenses like childcare, groceries, or transportation

- Offset lost income while you recover

- Or set it aside for future healthcare needs

It’s your benefit, on your terms—giving you flexibility and financial control when you need it most.

- Receive cash directly—payments go to you, not the provider

- Total freedom to choose any doctor or hospital—no network limits

- Works alongside your existing health insurance

- Helps cover the out-of-pocket costs your plan doesn’t pay

- Added peace of mind when unexpected medical events arise

- People with high-deductible health plans who want added protection

- Families seeking extra financial support during medical emergencies

- Seniors on Medicare looking to ease out-of-pocket expenses

- Anyone wanting a reliable financial cushion for unexpected health costs

- Daily cash benefits for hospital stays

- Reimbursement for surgery and anesthesia

- Coverage for ambulance rides and ER visits

- Support for skilled nursing facility care

- Outpatient treatment benefits

✨ Specific benefits differ by plan—we’ll guide you to the option that best matches your needs and lifestyle.