Needing to spend time in the hospital can disrupt your life and finances. And when you’re sick or injured enough to need hospital care for one night or more, the last thing you should have to worry about is how you’re going to pay for it. Hospital indemnity insurance can help.

Hospital indemnity insurance, also known as hospitalization insurance or hospital insurance, is a type of supplemental health insurance plan that pays cash benefits to the policyholder when they are admitted to the hospital:

Is it worth getting hospital indemnity insurance?

Affordable hospital indemnity plans are worth considering if your existing health insurance plan has limits on hospitalization coverage. If you are starting a family, a hospitalization indemnity plan can help cover the costs of hospital childbirth and post-childbirth hospital stays.