Get Hospital Confinement Policy Application & Change Form

What is Hospital Confinement Indemnity Insurance? Hospital Confinement Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital* or critical care unit. The benefit amount is determined based on the type of facility and the number of days you stay.

For those with chronic medical conditions — like cancer, diabetes, or heart disease — hospital indemnity insurance can help cover your frequent hospital visits. You have an upcoming surgery or procedure. You may want hospital indemnity insurance for a scheduled hospital visit, overnight stay, or outpatient surgery.

It doesn't cover prescription drugs and typically won't work for those with pre-existing conditions. Coverage is not guaranteed and there will be limits, which vary from one plan to another.

Payments from a hospital indemnity plan can cover costs from an extended hospital stay, transportation to and from follow-up appointments, and more. Here are a few expenses you might want to use it for: Deductibles and co-payments. Out-of-network care and treatment.

This rider is designed to pay a daily benefit amount for a Hospital Confinement, up to a maximum of 90 days, if you are confined to a Hospital.

CONFINEMENT BENEFIT means if a Covered Person is Confined in a Hospital for treatment of a covered Injury or Sickness, MetLife will pay the Confinement Benefit shown on the Benefit Schedule for each day of Confinement.

A hospital confinement supplemental insurance plan generally pays a daily cash benefit directly to you when you are in the hospital. The money can be used to pay unexpected medical costs or everyday living expenses. The advantages of having supplemental hospital insurance include: No deductibles.

Hospital indemnity insurance supplements your existing health insurance coverage by helping pay expenses for hospital stays. Depending on the plan, hospital indemnity insurance gives you cash payments to help you pay for the added expenses that may come while you recover.