Hospital Indemnity Insurance
Get more peace of mind and extra protection when you need hospital care. A hospital indemnity insurance policy pays you a direct cash benefit to help you cover more of your expenses.
Experience the freedom of cash benefits paid directly to you
A Mutual of Omaha Hospital ProtectionSM Policy works alongside your health insurance or Medicare plan. When you're in the hospital, it pays you a cash benefit. You have the freedom to choose how and when to use your benefit. It can help cover your medical bills, Medicare expenses, mortgage or rent, utilities, groceries or other daily living expenses.
How hospital indemnity insurance works
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1. Choose your benefits
Choose the cash benefit amount you want to receive for each day you’re in the hospital.
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2. Submit your claim
If you’re hospitalized, your plan will pay the cash benefit directly to you.
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3. Use your benefits
Use the cash to help cover medical expenses, everyday costs or other needs.
Find the coverage level that’s right for you
See how Mutual Hospital ProtectionSM can be customized to fit your needs and budget. Plus, you can save 7% on your monthly premium when you qualify for our household discount.
Mutual Hospital ProtectionSM plan features
Affordable coverage that gives you the power to choose
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Helps fill coverage gaps
Customize your benefit amounts to help fill gaps in Medicare coverage or health insurance.
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No networks
Since this isn't health insurance, you receive benefits no matter which hospital you choose.
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Extra savings
Apply with a spouse or other adult you live with and you could both save 7% on your monthly premium.
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No waiting period
You get access to benefits on the very first day you have your policy.
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Lifetime coverage
Your policy is guaranteed renewable* for life regardless of your age or health.
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Pet boarding benefit
Receive an extra cash benefit for pet boarding when you're in the hospital.
Hospital stays can be expensive, with patients spending an annual average of $2,593 in out-of-pocket costs.1 On average, a hospital stay lasts for 5.8 days, contributing to the overall expense.1
Current members
Looking for help? Contact our U.S.-based customer care team for support.
Call us at 844-936-2153