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Hospital Indemnity

Did you know...
  • The average expense of an inpatient hospital stay per person is $13,033.*
  • More than 1 in 3 persons will be treated in a hospital.*
  • 45.2% of health care spending is associated with hospital treatment.**

Hospital care can be a very costly expense. Think of the expenses your family would incur if you were hospitalized. Do you know how much you would have to pay out-of-pocket?

In addition to your out-of-pocket medical expenses, consider the personal expenses that you incur during a hospital stay, such as:

  • Meals
  • Housekeeping
  • Travel
  • Prescriptions
  • Lodging
  • Loss of income
  • Hospital Indemnity Insurance helps protect your financial independence if you are faced with a hospital stay. Your policy can pay benefits directly to you, not to your doctor or hospitals, giving you control of your benefit dollars.

    A Simple Solution

    American Fidelity’s Hospital Indemnity Insurance offers you a line of defense against ever-increasing medical costs by providing benefits for covered hospital expenses. Regardless of any other coverage, our protection works to relieve the financial drain of deductibles, coinsurance payments and all of those out-of-pocket expenses not covered by comprehensive medical insurance. Let Hospital Indemnity insurance help safeguard your financial future by taking on some of the bills so you can focus on what matters most.

    Highlights:
    • All benefits are paid directly to you
    • All benefits are paid regardless of other policies
    • Individual or family plans available
    • Guaranteed Renewable to age 70, as long as, premiums are paid as required
    • Optional Outpatient Benefit Rider available for both Primary Insured and Family
    • Portable- you can take this coverage with you when you leave employment
    • Choice of benefit amounts available

    This product is inappropriate for people who are eligible for Medicaid. The Company has the right to change premiums by class.


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    * National Health Care Expense in the U.S. Community Population, 2001. Agency for Healthcare Research and Quality, Statistical Brief #56, figure 4.

    ** National Health Care Expense in the U.S. Community Population, 2001. Agency for Healthcare Research and Quality, Statistical Brief #56, figure 2.

    The information contained on this product page generally highlights the important features of the particular American Fidelity product listed, and does not constitute a statement of contract, nor a complete description of the conditions, benefits, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For more complete information, please consult the terms of the product policy form approved in your state or contact us.

    Policy Form HI04Series

    E-SB-229

    Last Updated:  Monday December 29 2008

    © American Fidelity Assurance Company 2007-2008