HELP PROTECT YOUR FINANCES WHEN YOU HAVE TO USE YOUR HEALTH INSURANCE
Supplemental coverage designed to help with the financial impact of a covered hospital stay.
Even with health insurance, a hospital stay can create unexpected expenses.
Deductibles, copays, coinsurance and other out-of-pocket costs can add up quickly. And your regular household bills don't stop while you're recovering.
Hospital indemnity insurance can provide defined cash benefits for covered hospital stays and other eligible medical events—helping give you additional financial support when you need it most.
Explore your options online or speak with a licensed JRF Services insurance agent.
YOUR HEALTH INSURANCE IS IMPORTANT. SO IS YOUR FINANCIAL PROTECTION.
​Medical coverage can help pay for your care—but you may still have expenses to manage.
Your major medical health insurance is designed to help cover eligible medical care.
​
But when you are hospitalized, you may still have financial responsibilities such as:
​
-
Deductibles
-
Copays
-
Coinsurance
-
Transportation
-
Childcare
-
Household expenses
-
Groceries
-
Mortgage or rent
-
Utilities
-
Other everyday expenses
Hospital indemnity insurance is designed to work alongside your existing health coverage by providing specified benefits for covered events.
​
Depending on the policy, benefits may be paid directly to you, giving you flexibility in how you use the money.
HOW DOES HOSPITAL INDEMNITY INSURANCE WORK?
Simple coverage designed to provide additional financial support when a covered event occurs.
Hospital indemnity insurance is supplemental coverage that can provide a predetermined benefit when you experience a covered hospitalization or other eligible medical event.
Here's the basic process:
1. CHOOSE YOUR COVERAGE
Select a hospital indemnity plan based on your needs, eligibility and budget.
​
2. PAY YOUR PREMIUM
You pay the premium required by your selected policy.
​
3. EXPERIENCE A COVERED EVENT
If you experience a covered hospitalization, confinement or other eligible event, you can submit a claim according to the policy requirements.
​
4. RECEIVE YOUR BENEFIT
If the claim is approved, the policy pays the applicable benefit according to the terms of your coverage.
​
5. USE THE BENEFIT WHERE YOU NEED IT
Depending on the policy, the benefit may be paid directly to you and can help with eligible financial needs associated with your recovery.
EXTRA FINANCIAL SUPPORT WHEN YOU NEED IT
A hospital stay can affect much more than your medical bills.
A hospitalization can create financial pressure beyond the hospital bill itself.
​
Depending on your policy and the covered event, hospital indemnity benefits may help provide additional financial support for expenses such as:
RECOVERY EXPENSES
Other personal expenses you may need to manage while recovering.
MEDICAL OUT-OF-POCKET COSTS
Deductibles, copays, coinsurance and other eligible expenses.
EVERYDAY HOUSEHOLD BILLS
Rent, mortgage payments, utilities and groceries don't stop when you're hospitalized.
FAMILY EXPENSES
Childcare, caregiving or other household needs that may arise during recovery.
TRANSPORTATION
Getting to and from medical appointments or other necessary travel.
Other Financial Needs
Additional expenses your beneficiaries may face after your death.
COULD HOSPITAL INDEMNITY COVERAGE MAKE SENSE FOR YOU?
It may be worth considering if a hospital stay could put pressure on your budget.
Hospital indemnity insurance may be worth considering if you:
​
-
Have a health plan with a significant deductible
-
Have copays or coinsurance that could add up during a hospitalization
-
Want additional financial protection against unexpected hospital expenses
-
Prefer having supplemental coverage alongside your major medical insurance
-
Want coverage that can provide defined benefits for eligible hospital-related events
-
Have a family and want additional financial protection against unexpected medical events
-
Want additional financial support while recovering from a covered hospitalization
The right coverage depends on your individual circumstances, eligibility, budget and existing health insurance.
CHOOSE THE TYPE OF COVERAGE THAT FITS YOUR NEEDS
JRF Services can help you explore hospital indemnity options based on your age, coverage needs and budget.
Hospital indemnity coverage isn't one-size-fits-all.
Depending on eligibility and availability, JRF Services offers hospital indemnity options designed to provide different levels and types of supplemental benefits.
HOSPITAL INDEMNITY — AFFORDABLE CHOICE
Flexible supplemental protection for eligible individuals and families.
This option is designed for individuals who want additional financial protection alongside their existing health coverage.
​
Depending on the selected plan and state availability, benefits may include coverage for eligible hospital admissions, surgery, outpatient services, physician visits and other covered medical events.
​
POTENTIAL FEATURES
-
Hospital admission benefits
-
Surgical benefits
-
Outpatient benefits
-
Physician office visit benefits
-
Prescription-related benefits
-
Additional optional benefits may be available
-
Family coverage options may be available
-
Benefits may be available from the beginning of coverage, subject to policy terms
HOSPITAL INDEMNITY SELECT
Supplemental protection designed to help address hospital-related out-of-pocket exposure.
This option is designed for individuals who want additional financial support for eligible hospital-related events.
​
Depending on the selected coverage and state availability, benefits may include hospital confinement, observation and other eligible services.
​
POTENTIAL FEATURES
-
Hospital confinement benefits
-
Observation benefits
-
Mental health benefits
-
Optional skilled nursing facility coverage
-
Optional first-day hospital admission benefits
-
Other policy-specific benefits may be available
Plan names, benefits, eligibility, availability, limitations and exclusions vary by state and policy.
HOSPITAL INDEMNITY IS DESIGNED TO WORK ALONGSIDE YOUR HEALTH INSURANCE
Think of it as an additional layer of financial protection.
Your major medical health insurance is designed to help cover eligible medical care.​
Hospital indemnity insurance serves a different purpose.​
It can provide defined supplemental benefits when you experience a covered hospitalization or other eligible event.​
That means you don't have to think of hospital indemnity as replacing your health insurance.
​
Instead, it can provide an additional layer of financial protection when you actually need to use your health coverage.
HEALTH INSURANCE
Helps cover eligible medical care
HOSPITAL INDEMNITY
Provides supplemental benefits for covered events
ADDITIONAL FINANCIAL SUPPORT
GET MORE THAN A QUOTE. GET HELP UNDERSTANDING YOUR OPTIONS.
Choose the way you want to shop for coverage.
insurance doesn't have to be complicated.
With JRF Services, you can explore available supplemental coverage online or choose to speak with a licensed insurance agent before making a decision.
You decide how you want to move forward.
WANT TO EXPLORE OTHER OPTIONS?
If hospital indemnity isn't the right fit, we can help you explore other supplemental insurance solutions that may better match your needs.
HOSPITAL INDEMNITY IS ONE PIECE OF THE PUZZLE
Depending on your needs, other supplemental coverage may also be worth considering.
Hospital indemnity isn't the only type of supplemental insurance available.
Depending on your situation, you may also want to explore coverage designed to help with:
Accidents and
injuries
Critical
illnesses
Cancer
Heart attack and stroke
Dental, vision and hearing expenses
Out-of-pocket medical expenses
Home
Health Care
Short-Term
Care
Final
Expenses
JRF Services can help you explore your options and determine which types of supplemental coverage may make sense for your situation.
HOSPITAL INDEMNITY INSURANCE QUESTIONS?
Here are answers to some of the questions people ask before applying.
What is hospital indemnity insurance?
Hospital indemnity insurance is supplemental coverage that can provide defined benefits when you experience a covered hospitalization or other eligible medical event.
​
Is hospital indemnity insurance the same as health insurance?
No. Hospital indemnity insurance is supplemental coverage and is not a substitute for comprehensive major medical health insurance.
​
Can hospital indemnity insurance work with my existing health insurance?
Yes. Hospital indemnity coverage is generally designed to supplement existing health coverage. Your specific policy determines how benefits work.
​
How does hospital indemnity insurance pay benefits?
Benefits are based on the terms of the policy and the covered event. Depending on the plan, benefits may be paid directly to the insured.
​
What can I use my hospital indemnity benefit for?
Depending on the policy, benefits paid directly to you may provide financial support for medical or everyday expenses. Always review the specific policy for applicable terms and restrictions.
​
Does hospital indemnity cover every hospital stay?
No. Coverage is subject to the policy's covered events, limitations, exclusions and other requirements.
​
Can I purchase hospital indemnity insurance for my family?
Some plans offer family coverage. Eligibility and available options vary by plan and state.
​
Can I get hospital indemnity insurance if I already have health insurance?
Hospital indemnity insurance is specifically designed as supplemental coverage and may be considered alongside existing health insurance.
​
Does hospital indemnity insurance replace my health insurance?
No. Hospital indemnity insurance should not be viewed as a replacement for comprehensive health insurance.
​
How do I get a hospital indemnity quote?
You can request an instant quote online or schedule a call with a licensed JRF Services insurance agent to discuss your options.
DON'T WAIT UNTIL A HOSPITAL STAY PUTS YOUR BUDGET TO THE TEST.
Explore supplemental hospital coverage today.
A hospital stay can affect more than your health.
It can affect your budget, your household and your ability to keep up with everyday expenses while you recover.
Hospital indemnity insurance can provide an additional layer of financial protection for covered events.
Explore your options online or speak with a licensed JRF Services insurance agent.
IMPORTANT INFORMATION
Hospital indemnity insurance is supplemental coverage and is not comprehensive health insurance. It does not replace major medical health insurance.
​
Benefits are subject to the terms, conditions, limitations and exclusions of the applicable policy. Coverage, benefits, eligibility, premiums and availability may vary by state and plan.
​
Review the policy documents and applicable plan materials carefully before purchasing coverage.
​
If you need comprehensive health insurance coverage, JRF Services can also help you explore available health insurance options.
