Hospital & ICU

When you're injured or ill, your top concern should be getting well and going home.

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Covering Hospital Bills

Even a brief hospital stay is expensive

When most people think about the high cost of healthcare, they imagine expensive hospital stays and doctor bills—which is accurate.

$11,000—that’s the average cost of a hospital stay.* Would you have enough savings to cover the bills if the unexpected happened? Hospital indemnity insurance can help cover the costs.

We offer a standalone hospital and intensive care unit (ICU) insurance policy, and we also include hospitalization and ICU benefits with many of our other supplemental health products.

*Agency for Healthcare Research and Quality, Healthcare Cost and Utilization Project Statistical Brief #225, June 2017.

Hospitalization Coverage

With our Hospital Care Insurance, benefits are paid after a qualified hospitalization resulting from a covered injury or illness. You can use the money however you'd like. It can help you pay for expenses such as child care, travel, or other out-of-pocket expenses.

Hospitalization & Surgery

Can help pay for out-of-pocket expenses related to hospital stays due to covered injuries or illnesses.

Intensive Care Costs

Helps cover the treatments and procedures needed to restore your health.

Family Support Benefits

Provides benefits your family can use too, like cash payments for medical bills or everyday expenses.

Transportation & Accommodations

Assists with the cost of post-hospitalization care, transportation, and lodging.

Hospitalization in Real Life

Joe, a factory worker, always feared hospitals and avoided them whenever possible. He didn’t even like visiting close friends and family when they were hospitalized. Still, he felt he should buy a supplemental hospital policy to complement his major medical coverage. When Joe’s appendix was removed, his policy’s $200 daily hospitalization benefit covered a variety of medical and non-medical expenses.

This example is provided for illustrative purposes only.

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If you’re ready for more information about Hospitalization supplemental health insurance, let us know.

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Hospitalization Insurance FAQs

Why Get Hospitalization Insurance?

With Hospitalization insurance, you can have help covering the out-of-pocket costs you may face after being hospitalized for more than 24 hours from one of our covered injury or illness. Benefits are paid as a cash lump sum up to $50,000 directly to you, while major medical insurance pays the medical bills.

We partner with some of the top Supplemental Health providers in the country, including: Aflac, Cigna Supplemental, Colonial Life, and Washington National. This way our wise agents provide you the best policy for your needs, at the best price.

How does Hospital Insurance Work?

Trouble Strikes. You suddenly experience a sharp pain in your side and go to an urgent care clinic, where you’re diagnosed with appendicitis.
You find yourself in the emergency room. You’re taken by ambulance to the emergency room, where lab tests and diagnostic exams report that you need surgery.
Hospitalization supplemental insurance helps take the sting out. You’re hospital bills add up quickly. Cash benefits are paid directly to you (unless otherwise assigned), to ease the financial stress.
You get your money fast. Claims made on your policy are paid fast directly to you. Major medical insurance pays the bills, this policy pays you. Use it any way you need to, want to, or have to.

Wise Owl Insurance Agency - Understanding Supplemental Health Insurance

Download this Free Guide

Empower yourself with our complimentary 'Understanding Supplemental Health Insurance' guide. Gain clarity on how supplemental insurance complements your existing health plan, providing crucial financial support for unforeseen medical out-of-pocket expenses. This guide equips you with the knowledge needed to make informed decisions about your health and financial security. Take the first step towards peace of mind by immersing yourself in this essential booklet today.