Medical Indemnity Insurance
Direct Cash Payouts to Cover Deductibles, Hospital Admissions, and Unexpected Out-of-Pocket Bills.
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No-Cost Broker GuaranteeBridge your deductible gap with fixed daily hospital and surgical cash payouts:
Understanding Medical Indemnity Insurance in the United States
Supplemental hospital and fixed-indemnity protection that pays lump-sum cash directly to you—not the hospital—whenever you experience covered inpatient stays, surgeries, or emergency treatments.
Fixed Cash Benefit Schedule (Direct to You)
Medical indemnity insurance pays fixed dollar amounts directly into your bank account regardless of what your primary health insurance covers:
| Covered Medical Event | Typical Cash Benefit | How Payout Is Handled |
|---|---|---|
| Hospital Confinement | $500 – $2,500 / day | Paid daily starting day one of admission |
| Intensive Care Unit (ICU) | $1,000 – $4,000 / day | Direct ACH bank deposit within 48–72 hours |
| Inpatient / Outpatient Surgery | $1,500 – $5,000 / event | Paid per surgical schedule with no deductibles |
| Emergency Room & Urgent Care | $150 – $300 / visit | Use any hospital or clinic nationwide |
Key Benefits of Medical Indemnity Insurance
Direct Lump-Sum Cash Payments Paid to You
Benefits are deposited directly into your bank account, giving you 100% freedom to pay medical deductibles, household rent, or personal bills.
Zero Network Restrictions Nationwide
Use any doctor, urgent care, or hospital in all 50 states. Fixed indemnity plans pay the exact same predetermined cash benefit regardless of the facility.
Bridges the High-Deductible Insurance Gap
Perfect pairing for Bronze or Silver high-deductible health plans (HDHPs) to eliminate the financial shock of a $5,000–$9,000 deductible.
Guaranteed Fixed Payout Schedule
Know your benefits upfront: receive guaranteed cash schedules for hospital confinement ($500–$2,500/day), ICU admissions, and surgical procedures.
No Deductibles or Copays to Meet First
Cash benefits start paying from day one of an eligible hospitalization or covered procedure without waiting to satisfy an annual deductible.
Pays in Addition to Any Other Health Plan
Indemnity coverage pays its complete benefit even if your primary employer plan or ACA policy already covered 100% of the medical charges.
Affordable, Predictable Flat Monthly Rates
Low monthly premiums starting at $25 to $65 per month with guaranteed renewable protection that cannot be cancelled due to age or claims.
Fast Electronic Claims Processing
Submit discharge paperwork or proof of treatment online and receive direct ACH bank deposits within 48 to 72 business hours.
Eligibility & Enrollment Requirements
- Available to legal U.S. residents aged 18 to 64 (family dependent coverage available up to age 26).
- No strict open enrollment deadline: enroll any day of the year without waiting for open enrollment.
- Simplified medical underwriting with quick approvals (some plans offer guaranteed issue with no medical questions).
- Designed as supplemental indemnity insurance to accompany comprehensive major medical health plans.
How to Enroll in 3 Simple Steps
Check Subsidy & Rates
Enter your zip code and household parameters to review personalized plan quotes and maximum federal subsidy savings.
Verify Doctors & Rx
Consult 1-on-1 with our licensed US brokers to confirm your preferred physicians, specialists, and medications are 100% in-network.
Guaranteed Activation
Complete your enrollment in minutes with official carrier member ID confirmation and year-round dedicated support.
Frequently Asked Questions
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