Hospital Indemnity

Updated: Feb 21, 2020

Do you currently have health insurance with a high deductible and are worried about costly hospitalization? It is very easy to underestimate how much medical care can cost:

  • A broken leg can cost up to $7,500

  • The average cost of a 3-day hospital stay is approximately $30,000

For 2020, the Marketplace Health Insurance Plans will have out-of-pocket maximums of $8,150 for an individual and $16,300 for a family. Which means that you do not have complete protection from high medical costs and could lead to deep debt or even bankruptcy. Hospital stays can strain even the healthiest budgets.

How Can I Protect My Family?

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance also called Hospital Insurance, Hospital Gap or Hospital Indemnity, is a plan that pays your benefits when you are confined to a hospital, whether for planned or unplanned reasons. Hospital Indemnity insurance plans provide payment for each day spent in the hospital, and for some other qualified expenses as well.

Why UHC Hospital Indemnity Insurance?

On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:

  • No deductible to meet to receive benefits

  • No networks - freedom to choose your provider

  • Lump-Sum Cash Benefit payments paid directly to you

  • Coverage is available for the entire family

  • Coverage is renewable until age 65

How Do UnitedHealthcare Hospital Indemnity Insurance Plans Work?

Simply complete a claim form and submit it with attached copies of your receipts for any covered items (see the plan you choose for details). You are then issued a check you can use as you see fit. Benefits are paid in a lump sum directly to you, and amounts are fixed and determined by your policy, regardless of the amount of expenses incurred.

Hospital Insurance Comparison

At Direct Insurance Solutions we help thousands of individuals select affordable Hospital Indemnity Plans and United Healthcare is our preferred insurance carrier. A Fortune 500 Company rated A with A.M. Best and with more than 75 years offering personal insurance, no other company comes close to matching the service experience. Why go with copy cat solutions when you can go with the insurance company that is committed to offer the most innovative products, access to large provider network and excellent customer service.

Why Direct Insurance Solutions?

Award winning insurance agency that has helped thousands find affordable coverage and represents hundreds of regional and national carriers built on the following foundation:


  1. Offer the most affordable and comprehensive insurance solutions regardless of household budget

  2. Offer the best A rated (A.M. Best) insurance carriers

  3. Over 20 years experience to help you navigate through cumbersome underwriting process

  4. Offer best-in-class service

  5. Easy to do business with

Call or click for a free no-obligation quote: 1-800-619-8959

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