Hospital Indemnity Insurance

While high deductible health plans may make health coverage more affordable for employer and employees, they may greatly increase an employee’s out-of-pocket expenses if a serious illness or accident occurs. The MedMutual Protect Hospital Indemnity insurance policy complements a group’s existing major medical coverage while helping ease the financial impact of hospitalization.

The MedMutual Protect Hospital Indemnity policy offers valuable benefits for employees and their covered dependents, including:

  • A fixed daily benefit for hospital stays, regardless of hospital fees.
  • Benefits paid directly to the insured, in addition to any other insurance.
  • No health questions or pre-existing limitations.
  • Coverage for multiple confinements available.

See Our Hospital Indemnity Insurance in Action


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When an employee or a covered family member is admitted to the hospital, the policy pays a benefit directly to insured (unless assigned) with no restrictions on how the funds can be used.


If more than 30 days pass between periods of hospitalization for the same condition, the subsequent occurrence is treated as a new confinement.

Give employees the health insurance protection they deserve.