A Little Help When You Need It Most
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.
Mutual Hospital ProtectionSM 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.
Get a hospital indemnity insurance quote
How Mutual Hospital Protection works
Benefit options
- Enter a daily benefit amount from $100 - $1,000
- Select how many inpatient hospital care days (3-10, 15, 20, or 31 days) you want covered in a benefit period
- A lump sum benefit option is also available in the application
- Customizable with riders (available in the application)
Using your benefits
- No waiting period †
- New benefit period begins after 60 days with no hospital stays
- Includes additional benefits for hospital observation care and inpatient mental health care
- Provides a benefit for pet boarding when you're in the hospital
Policy eligibility
- Available for ages 18 - 85
- No medical questions for ages 64 - 74; your application is automatically approved
- Guaranteed renewable* coverage for life
Enhance your coverage with optional affordable riders
Our optional riders (available when you apply) help fill coverage gaps or enhance what matters most to you.
Acute care riders
Ambulance and emergency or urgent care benefit
Outpatient surgery benefit
Cancer benefit
Testing and medication riders
Major diagnostic testing benefit
Prescription drugs benefit
Skilled care and recovery riders
Skilled nursing facility benefit
Home health care benefit
Outpatient therapy benefit
Benefit increase rider
Guaranteed purchase option
Start your application
We'll guide you step-by-step to help build your personalized plan with the benefit amounts and riders that are right for you.
Save on your monthly premium
Count on premium savings every month when you qualify for discounts
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Household Discount
Save 7% a month
Apply with a spouse or another adult you live with and you'll both save 7% on your monthly premium.
Frequently asked questions
Learn more about hospital indemnity insurance
Hospital indemnity insurance is supplemental coverage that pays you a cash benefit when you’re hospitalized, such as for an illness, injury or surgery. You receive the benefit directly and can use it however you need, including Medicare deductibles, out-of-pocket medical costs, or for personal expenses like transportation, groceries or utilities.
While hospital indemnity insurance provides benefits during a hospital stay, it’s not a substitute for traditional health insurance. Instead, it’s designed to work alongside your existing medical or Medicare coverage to provide extra financial protection when you're in the hospital.
Hospital indemnity insurance covers a variety of hospital stays, including observational stays (when you receive care in a hospital for between 6-24 hours), inpatient confinement (when you are in the hospital for 24 hours or more), and mental health stays (up to 7 days). This includes hospitalization for surgery, illness, injuries, treatment for conditions, care in an intensive care unit and more.
You can also customize your plan by adding riders to cover more services like skilled nursing facility care, home health care, outpatient surgery and outpatient therapy.
Generally, hospital indemnity insurance and hospital confinement insurance are two names for the same type of coverage. (You may also see it referred to as hospital confinement indemnity insurance.) This coverage provides you with additional financial support during hospital stays by paying a cash benefit directly to you. Indemnity refers to the nature of the insurance and how it compensates you (and not providers) when you have a claim. Confinement refers to a period of time when you are hospitalized as an inpatient.
A hospital indemnity insurance plan can be a good choice if you want greater financial security and peace of mind during future hospital stays. As we age, the likelihood of needing hospitalization can increase. Hospital indemnity insurance plans pay you a cash benefit that is in addition to the benefits provided by your Medicare plan or health insurance. You have the freedom and flexibility to choose how to use your cash benefit — it can help you cover hospital bills or any other living expenses.
Our Mutual Hospital ProtectionSM plan is customizable so you can get the amount of coverage that fits your needs and budget. You can even configure your benefit selections to help address specific gaps in your Medicare plan or health insurance, like deductibles, copays and coinsurance.
Yes, you can use hospital indemnity insurance alongside Original Medicare, Medicare Advantage and Medicare supplement plans. Pairing a hospital indemnity insurance with your Medicare plan can help you fill gaps in your Medicare coverage. You can choose to use the benefits you receive from your hospital indemnity policy to pay Medicare copays, coinsurance or deductibles.
You can apply any time — there are no federal enrollment periods like with Medicare. Mutual Hospital ProtectionSM is available to those who are ages 18 - 85. We offer guaranteed issue coverage if you're ages 64 - 74. That means we waive any underwriting for your application and you are guaranteed to qualify for a policy. If you aren't eligible for guaranteed issue coverage, we will do a quick underwriting review of your application.
The cost of a hospital stay can vary based on where you live, the services you receive and the type of health insurance or Medicare plan you have. On average, those who have a hospital stay, spend $2,593 in annual out-of-pocket costs.1
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In our kingdom, you’ll always be protected
Six decades of Mutual of Omaha’s Wild Kingdom taught us that the animal kingdom and the human kingdom have something in common … an instinct to protect what matters most. We, Mutual of Omaha Insurance Company and our affiliates, don’t answer to Wall Street. We answer to our customers — 22 million and counting — and are focused on helping them protect their lives and families.
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.