Hospital Indemnity Insurance
Supplemental policy that pays a lump-sum cash benefit when you are admitted to the hospital, regardless of your medical insurance.
About Hospital Indemnity Insurance
Hospital indemnity insurance is a voluntary supplemental product that pays a fixed cash benefit directly to you when you are admitted to a hospital, transferred to the ICU, or stay for a covered period of time. The benefit is paid in addition to whatever your medical plan pays.
The cash can be used for anything — copays, deductibles, lost wages, child care, transportation, household bills. Many people use a hospital indemnity plan to soften the out-of-pocket exposure of a high-deductible health plan or a Medicare Advantage plan.
Hospital indemnity is not major medical coverage and is not a substitute for ACA-compliant health insurance.
- Lump-sum benefit on hospital admission
- Daily benefit for covered hospital stays
- Additional benefit for ICU confinement
- Some plans pay for outpatient surgery, ambulance, or ER visits
- Benefits paid directly to you
- Routine medical, dental, or vision care
- Pre-existing conditions during the look-back period (varies by carrier)
- Custodial or long-term care
Most adults can purchase hospital indemnity coverage; some plans have age limits and most ask basic health questions.
Premiums vary by county, age, household size, and plan year. Talk to a Yumi Health advisor for a personalized quote.
When you can enroll
Carriers active in New Jersey
These carriers offer this product to New Jersey residents. We shop across them to find the right fit.
New Jersey counties served
Yumi Health helps residents in all 21 New Jersey counties.
Sources
Information last reviewed: 2026-04-07. Specific premiums, networks, and benefits change every plan year — talk to a Yumi Health advisor for the most current details.
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A licensed Yumi Health advisor reviews your situation and tells you exactly which plans you qualify for. Always free.