Visitor Question

What is hospital room indemnity insurance?

Submitted By: Constance (Memphis, TN)

I’m very confused over this insurance issue…

Can you please tell me what exactly is hospital room indemnity insurance? When is it applicable? Can I file this insurance if I don’t stay overnight in the hospital? Thank you for any explanation you can give.

Disclaimer: Our response is not formal legal advice and does not create an attorney-client relationship. It is generic legal information based on the very limited information provided. Do not rely upon the information in our response, or anywhere else on this site, when deciding the proper course of a legal matter. Always get a personalized case review from a localĀ attorney.


Dear Constance,

Hospital indemnity insurance is a kind of “backup” insurance. It’s like insurance for insurance. Most health insurance plans cover specific types of treatment for specific types of injuries. Many times insurance companies must be consulted before they will agree to pay for a special test or examination ordered by a physician when a patient is hospitalized.

Hospital indemnity insurance is basically money paid to you to be used in almost any manner you see fit when related to health and hospital stay issues. The amount of insurance proceeds is directly correlated to the type of indemnity insurance you purchase and in what amount.

You can certainly file under your hospital indemnity plan but your benefits will depend on the type of insurance you purchased. Some indemnity insurance companies are quite liberal in their administration of benefits, while others are very strict. Look closely at your insurance policy. There should be one or more pages which spell out the terms of payment. If you still have questions call the company directly.

The above is general information. Laws change frequently, and across jurisdictions. You should get a personalized case evaluation from a licensed attorney. Find a local attorney to give you a free case review here , or call (888) 647-2490.

Best of luck,

Published: September 25, 2012

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