Why Cigna Hospital Indemnity?

A hospital indemnity policy can help your senior clients cover out-of-pocket expenses with a fixed benefit dollar amount. Available for around $10/month.*

  • Pays the specific fixed benefit dollar amount selected on the application in the event of a covered hospitalization resulting from a covered injury or illness, regardless of the amount charged by providers
  • No restrictions on how the beneficiary can spend the money
  • Policy can be tailored to needs and budget
  • Coverage continues after the first hospitalization
  • Guaranteed renewable for life
  • Available for ages 50-85

*Rates are illustrative only. Premium based on the individual rate for a 65-year-old in Alabama, with a 6 day, $100 hospital confinement benefit. Individual rates will vary based on your state, age at time of issue, coverage type, and the benefit amount you select. Rates are subject to change.

State Availability

Hospital Indemnity policy is not available in: CA, CT, ID, NH, or NY.

New to Hospital Indemnity Plan (HIP) Sales?

Clients with Medicare Advantage are excellent candidates for a HIP plan. Learn more about how to make the sale here: How to Make a Sale to a Medicare Advantage Client: Hospital Indemnity Plans

Plus, learn how to use our quote engine, which has a neat pairing feature for MA and HIP: