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Inpatient hospital
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It's great that you have insurance, but what about the uncovered costs? What about replacing lost income, paying rent, groceries, and even per diem expenses for your loved ones to visit you at the recovery center? Not to mention the cost of continuing to pay your major medical insurance premiums so your benefits don't expire.

Therefore, Combined Insurance offers supplemental disability, accident, health and life insurance. Our policies are easy to understand, so you can make the right decisions about your coverage.

That's a lot to worry about. Supplemental insurance simply helps you rest a little easier.

If you are admitted to the hospital for an injury or illness, your hospital indemnity plan makes cash payments to you.

In addition, because the payments go directly to you, you can use these emergency funds to pay for costs not covered by your health insurance, health insurance deductibles, co-payments and co-insurance, child care expenses while you are in the hospital, or day-to-day expenses while you are recovering.

For most plans, there are no deductibles and you are not limited to provider networks.

¿What does hospital indemnity insurance include?

In general, most plans pay for the following:

• Hospitalizations with or without surgery.
  
• Intensive care.
  
• Critical care.

For higher monthly premiums, some hospital indemnity plans may cover other hospital-related services, such as these:

• Outpatient surgery.
  
• Emergency room visits.
  
• Ambulance services.