What’s Covered Under Hospitalization Insurance?
A Comprehensive Guide to Daily Cash Benefits, ICU Coverage & How It Complements Your Health Plan

Introduction
Hospitalization Insurance, or Hospital Indemnity Insurance, pays you directly when you're admitted to a hospital. Unlike traditional health insurance, which pays doctors and hospitals, this plan gives you a cash benefit to use however you need—rent, childcare, travel, or food.
With inpatient care costs rising fast, a plan that pays $2,000 per day or more can help protect your finances.
Explore more options at https://onepointinsuranceagency.com/products/health-insurance

What Is Hospitalization Insurance?
Hospitalization insurance provides a cash payout during hospital stays due to illness or injury. It doesn't replace major medical insurance—it complements it by helping with out-of-pocket costs.
Unlike standard health insurance, this benefit is paid to YOU directly and is typically tax-free.

Key Features of Hospital Indemnity Insurance

• Daily cash payments during hospital stays

• Payments go directly to you

• Works alongside your existing health coverage

• Funds are flexible—use for anything you need

Coverage Details and Benefit Durations

Daily Hospital Confinement Benefit

• Pays $100–$2,000/day depending on your plan

• Typically covers 10 to 31 days; some up to 60 days

ICU Benefit

• Pays more for ICU stays—up to double the daily benefit

• Often covers up to 15 days per ICU confinement

Rehabilitation Facility Benefit

• Pays 50% of standard hospital benefit

• May extend up to 30 days

What Can the Money Be Used For?
You can spend your benefit on:

• Household bills: rent, mortgage, utilities

• Living expenses: food, gas, phone

• Medical costs: deductibles, copays, surgery

• Family needs: childcare, elder care

• Travel: hotel or transport to medical facilities

Who Benefits from Hospital Indemnity Insurance?

1. High-Deductible Health Plan holders
   Great for people with $5,000–$10,000 deductibles

2. Parents with young kids
   Covers time off, babysitting, groceries during child hospital stays

3. Adults 60–64 awaiting Medicare
   Helps bridge gap if you don’t yet qualify for Medicare

4. Self-employed or gig workers
   No paid sick leave? This gives you a cash safety net

5. Single income households
   Replaces income while you recover

6. People with chronic conditions
   Pays out with each new hospitalization

7. Expecting mothers (if enrolled pre-pregnancy)
   Helps cover delivery-related hospital costs

8. College students with limited coverage
   Ideal for injuries or illnesses like mono or appendicitis

9. Caregivers supporting both kids and aging parents
   Provides time and money to rest and recover

10. Physically demanding workers
    Covers recovery time after injury

What’s Covered?

Daily Hospital Admission Benefit

• $1,000–$2,000/day

• Kicks in after 12–24 hours of inpatient care

ICU Benefit

• Often $3,000–$5,000/day

• Covers serious conditions and life support

Initial Confinement Benefit

• $2,500–$10,000 lump sum for your first stay

Surgery and Anesthesia

• Fixed payments for common surgeries

• Example: $1,500 for appendectomy

ER and Ambulance (Optional Rider)

• Flat fee for emergency room and ambulance costs

Rehabilitation and Follow-Up Care

• Daily payouts for rehab or skilled nursing

Payout Scenarios

Scenario 1: Appendicitis

• 3-day hospital stay ($2,000/day): $6,000

• Surgery benefit: $1,500

• Total paid: $7,500 to you directly

Scenario 2: Car Accident + ICU

• 5 days ICU ($5,000/day): $25,000

• 3 more days in hospital ($2,000/day): $6,000

• Total paid: $31,000 to you

Other Possible Benefits

• One-time admission bonus

• Observation unit payouts after 12 hours

• Mental health and substance abuse treatment

Exclusions to Watch For

• Pre-existing conditions (within 6–12 months)

• Elective or cosmetic procedures

• Self-inflicted injuries or illegal activity

• Short stays under 24 hours (unless rider is added)

Hospitalization Insurance vs Major Medical

Pays healthcare providers?

• Major medical: Yes

• Hospital indemnity: No

Pays you directly?

• Major medical: No

• Hospital indemnity: Yes

Requires deductible?

• Major medical: Yes

• Hospital indemnity: No

Flexible use of funds?

• Major medical: No

• Hospital indemnity: Yes

Monthly premiums?

• Major medical: High

• Hospital indemnity: Low

Who Should Consider It?

• HDHP members

• Seniors under 65

• Parents with kids

• Gig workers

• Anyone who wants peace of mind or income replacement

What’s NOT Covered?

• Pre-existing conditions (depending on carrier)

• Injuries from self-harm or crime

• Elective cosmetic surgeries

• Stays under 24 hours (unless plan includes ER rider)

How to Apply with OnePoint

• Fill out a quick health questionnaire

• Pick your daily benefit + riders

• No medical exam required

• Approvals in minutes
  Start here: https://onepointinsuranceagency.com/quote/health-insurance

Real-World Testimonials
“My short-term health plan left me with a $6,500 bill after my son’s surgery. Hospital coverage paid me $8,000.” — Tasha, Savannah, GA

“I had a three-day pneumonia stay. Got $6,000 from my plan—covered rent and groceries.” — Luis, Tampa, FL

How Much Coverage Should You Get?

• Match your health plan deductible (if $5,000, aim for $6,000–$10,000 in coverage)

• Consider your household size and savings

• Ask us for a personalized quote

Summary of Key Benefits

Daily cash payments: Helps with everyday bills during recovery
Surgical payouts: Offsets deductibles and copays
ICU benefits: Higher payouts for critical care
Flexible funds: Use for whatever matters most
Low premiums: Easy to afford and fast to enroll

Ready to Add Hospitalization Insurance to Your Plan?
Get cash when you're hospitalized
Cover rent, food, or lost wages
Start coverage in less than 24 hours
Call OnePoint Insurance Agency at 770-884-8117
Or apply here: https://onepointinsuranceagency.com/quote/health-insurance