While your Health insurance can help significantly with hospital bills, it may not cover all costs associated with a hospital stay, such as deductibles and co-pays, and non-medical expenses.

Hospital indemnity (HI) insurance can help. It’s a safety net that can help reduce the financial impact of high deductibles and other out-of-pocket costs.

HI Insurance issued by The Prudential Insurance Company of America, is guaranteed issue, meaning you aren’t required to undergo medical  exams or answer health questions, which makes it easy to enroll. There are no deductibles and you are not limited to provider networks.

HI insurance plans typically help pay benefits for hospital admission and for the number of days you’re confined to the hospital, with additional benefits for intensive care admissions and stays. Cash benefit payments are made directly to you so you can use these funds to help pay for medical costs not covered by your Health insurance as well as living expenses, like childcare, while you are in the hospital and as you recover.

When it comes to your health and that of your family, an unexpected or long-term hospitalization should not be a time to worry about medical costs. HI insurance can help you prioritize recovery over worries about hospital bills.

Enroll online and secure coverage now.

¹ “Why Health Insurance is Important, Protection from High Medical Costs, www.healthcare.gov, accessed August 2022
² “Many Americans Still Can’t Pay Off Less than $5,000 in Medical Debt,” Debt.com, 2021

This site may contain marketing language, on products issued by The Prudential Insurance Company of America, that has not yet been approved in all states.

The products issued by The Prudential Insurance Company of America may not be available in all states.

Not for residents of New Mexico

Not for use in New Mexico

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”).

This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage. If you do not have other health insurance coverage.

IMPORTANT NOTICE – THIS POLICY DOES NOT PROVIDE COVERAGE FOR SICKNESS.

Hospital Indemnity insurance coverage is a limited benefit policy issued by The Prudential Insurance Company Hospital Indemnity insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Hospital Indemnity Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet-Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500.

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