What Is Hospital Indemnity Insurance?

Hospital indemnity insurance provides a cash payment in the event of an unexpected hospital stay for a covered illness and/or injury. It gives you cash when you need it most and can help you pay any expense such as high deductibles or out-of-pocket expenses.

How Does Hospital Indemnity Insurance Work?

Enroll We have several options depending on your age and how much coverage you would like.
Enter the Hospital Benefits can start as soon as the first day.
File A Claim Let us know when you enter a hospital and you will receive cash payments ASAP.
Get Your Cash Paid directly to you or anyone you choose.

Enroll Now

Receive cash as soon as you are hospitalized

With three plans to choose from, you can select the coverage that helps pay expenses not covered by your medical insurance. Don't let a hospital stay derail your life plans.


MBA Hospital Indemnity Plan Benefit Amounts

Low Medium High
Under 65 years old
1st Day in Hospital (Pays you 1x per year) $500 $1,000 $1,500
Each Day You are in the Hospital (up to 90 days a year) $100 $150 $200
Daily ICU Confinement (up to 30 days a year) $200 $300 $400
New York residents (up to 90 days a year) $240 - -
If you are 65 and older all plans include:
Continuous Care Confinement (up to 30 days a year) $100 $100 $100
After leaving continuous care (1x payment per year) $1,000 $1,000 $1,000
New York residents (up to 90 days a year) $240 - -

Common Questions and Answers

Although you may have a good medical plan, chances are it doesn't cover 100% for hospital stays. These expenses can cause financial hardship; not only do you have increased medical expenses, you may also experience lost wages while hospitalized. A hospital indemnity plan helps pay for medical or day-to-day expenses while you are in the hospital.


The average cost of a hospital stay is over $11,000. Don't let the high cost of hospital care affect your family's financial wellness.


HCUP Fast Stats. Healthcare Cost and Utilization Project (HCUP). March 2019. Agency for Healthcare Research and Quality, Rockville, MD.

www.hcup-us.ahrq.gov/faststats/national/inpatienttrends.jsp?measure1=02&characteristic1=01&time1=10&measure2=&characteristic2=01&time2=10&expansionInfoState=hide&dataTablesState=hide&definitionsState=hide&exportState=hide.

As a non-profit association, the Military Benefit Association was able to negotiate favorable rates from one of the top rated insurance carriers, The Hartford. You'll have both MBA and The Hartford behind you to ensure that you get the cash you need when you need it.

After joining MBA (free to join), getting coverage is easy and affordable. Coverage is guaranteed1, with separate plans offered for members who are under at 65 and those that are over age 65. Coverage is also available for your spouse and/or dependent children.

All of our plans pay the Daily Hospital Confinement Benefit each day a covered person is confined to a hospital as an inpatient. The confinement must begin within 90 days after covered event occurs. This benefit is payable for up to the specified number days per year for each covered person. This benefit is only payable once per day, even if the confinement is the result of more than one covered event.


If a Covered Person is discharged from the hospital and again becomes confined as an inpatient for the same or related Covered Event within 90 days of discharge, it will be considered the same period of confinement.


This benefit does not cover treatment as an Outpatient or for a hospital stay of less than 20 hours.


Review the plan documents to determine your actual cost and level of benefits.

Depending on your age and coverage level, hospital indemnity insurance can cost as low as $4/month for an individual.


Find out how much a hospital plan will cost you.

Getting coverage is easy and affordable with:

  • Guaranteed coverage1 (in available States) - you cannot be turned down due to age or health
  • Economical group rates negotiated for our MBA members
  • Benefits available for your spouse and/or dependent child(ren)
  • Direct payment to you or anyone you choose

Download claim form here

Enroll Now


The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including issuing company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT 06155. This explains the general purpose of the insurance described, but in no way changes or affects the policies as actually issued. In the event of a discrepancy between this and the policies, the terms of the policies apply. All benefits are subject to the terms and conditions of the policies. Policies underwritten by Hartford Life and Accident Insurance Company detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in full or discontinued. Complete details are in the Certificate of Insurance issued to each insured individual and the Master Policy issued to the policyholder. This program may vary and may not be available to residents of all states. THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage. This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services. Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent.


1 This policy is guaranteed issue, but may contain a Pre-Existing Condition limitation. Please refer to the plan documents for more information on exclusions and limitations, such as Pre-Existing Conditions.


AGP-40002, AGP-40003, AGP-40004, AGP-40005

Speak to an agent: 1 877-622-1020 Existing members call: 1 800-336-0100