Even with great health insurance, your clients are exposed. One hospital stay can trigger thousands in out-of-pocket costs that no health plan fully protects against. Deductibles. Coinsurance. ER visits. Travel. Lost income. None of these are fully covered.
That’s where hospital indemnity insurance comes in — a simple, affordable tool that pays your client cash when they need it most.
Most clients assume if they have a health plan, they’re covered. But here’s the reality:
High deductibles are now the norm — often $3,000 to $7,000 or more.
Copays for hospitalization under Medicare Advantage plans can run $250–$400 per day.
Non-covered services like out-of-network consults or private rooms can result in surprise bills.
Lost wages aren’t covered at all.
Expenses like lodging, pet care, and childcare during recovery? Totally uncovered.
Even one night in the hospital can cost clients more than they expect — and hit their budget hard.
A hospital indemnity plan pays cash directly to the client when they experience a covered event — like a hospital admission, ER visit, or even outpatient surgery (depending on riders selected). That money is theirs to use however they need.
$500 for hospital admission
$250/day for each hospital day
$100 for an ER visit
Optional lump-sum riders for ambulance, skilled nursing, cancer diagnosis, and more
The client can use that cash to:
Pay their deductible
Cover rent or utilities if they miss work
Pay for gas, lodging, or pet boarding
Hire a home aide or caregiver
Simply avoid dipping into savings
It’s unrestricted cash — no receipts required, no networks, no gatekeepers.
Use this line in client conversations:
“Your health insurance pays the hospital. Hospital indemnity insurance pays you.”
Together, they create a 360° financial safety net — covering both medical and personal costs that arise from a health event.
Let’s say your client Sarah is hospitalized for 3 days after an infection. Her total out-of-pocket is $3,500 between the ER, admission, and hospital stay.
If Sarah had a hospital indemnity plan with:
$500 admission benefit
$250/day for 3 days = $750
$100 ER visit benefit
She’d receive $1,350 in cash. That immediately reduces her net cost to $2,150. If she also had a $500 confinement rider and a $300 ambulance rider, her total benefit would be $2,150 — completely offsetting her exposure.
Now instead of financial stress, Sarah walks away financially whole — or even slightly ahead.
It’s not just for seniors. Here’s where you should be recommending it:
High-deductible health plan holders — Pairing an HDHP with indemnity is a smart strategy
Medicare Advantage enrollees — Copays and max out-of-pocket costs can be steep
Young families — ER visits for kids happen often and aren’t cheap
Self-employed and gig workers — No PTO, no disability coverage = high exposure
Financial planners and risk-averse clients — Indemnity acts like “deductible insurance”
If a client can’t easily absorb a $2,000–$5,000 bill tomorrow, they need this.
Hospital indemnity insurance isn’t about selling “more insurance.” It’s about completing the coverage picture — and giving your clients control, flexibility, and peace of mind when the unexpected hits.
By pairing it with every major medical or Medicare plan you sell, you:
Deliver better financial protection
Build client loyalty and trust
Differentiate yourself as a holistic advisor
Hospital indemnity insurance isn’t about selling “more insurance.” It’s about completing the coverage picture — and giving your clients control, flexibility, and peace of mind when the unexpected hits.
By pairing it with every major medical or Medicare plan you sell, you:
Deliver better financial protection
Build client loyalty and trust
Differentiate yourself as a holistic advisor
Learn more about the Ideal Flex Series Hospital Indemnity
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Brokers Fidelity
Phone: 913-374-1550
Email: hello@brokersfidelity.com
Address: 400 S Kansas Ave, Topeka, KS 66603