Hospital Indemnity Insurance
Pays you cash benefits when you have a covered hospital stay or treatment.
Why Hospital Indemnity Insurance?
Wise Hospital Indemnity Insurance pays lump sum benefits for qualifying hospital stays and treatments directly to covered individuals.
Major medical insurance doesn't pay for everything, so having extra financial support through Wise Hospital Indemnity Insurance can relieve financial stress during challenging and uncertain times. You can use the fixed cash benefits for anything you choose.
Consider the Facts
$30k
35 million
The American Hospital Association reports more than 35,000,000 annual hospital admissions. 2
Hospital Indemnity FAQs
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When can I receive cash benefits from Wise Hospital Indemnity Insurance?
- Hospital Inpatient Admission Benefit: Payable for the first day a Covered Person is confined in a Hospital due to a covered Injury or Sickness.
- Daily Inpatient Hospital Confinement Benefit: Payable daily when a Covered Person is Confined in a Hospital due to a coveredInjury or Sickness. Not payable for the same day as the Hospital Inpatient Admission Benefit.
- Intensive Care Unit Admission and Confinement Benefit: Payable for the first day a Covered Person is Confined in an Intensive Care Unit (ICU) due to a covered Injury or Sickness and daily thereafter for each day confined in the ICU. Can be paid in addition to Hospital Inpatient Admission and Confinement Benefits.
- Wellness Benefit: Payable once per year per Covered Person when documented services are received such as: Blood Tests for cholesterol and triglycerides, Mammograms, Colonoscopies, Skin Cancer Screenings and Immunizations.
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How and when can I use the benefits from my Hospital Indemnity Insurance?
Benefits are paid directly to you, allowing you to use the benefits for whatever you need. Here are some examples of expenses you may want to pay for with Hospital Indemnity Insurance benefits.
Copays & other out-of-pocket medical costs
Home mortgage, rent, or utilities
Transportation & lodging
Childcare
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Who is covered by my Hospital Indemnity Insurance?You can purchase coverage for yourself, your dependents, your spouse or any combination.
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How do I buy Wise Hospital Indemnity Insurance?Wise Hospital Indemnity Insurance is available as an individual policy and may also be available to you through your employer as a group policy.
Get a quote for an individual policy on our NTA Life web site.
Ask about Wise Accident Insurance at work and learn more about this group benefit from Madison National Life web site.
Sources:
1. healthcare.gov/young-adults/ready-to-apply, “People Under 30. Why Bother with Health Insurance,” 2026.
2. aha.org/statistics/fast-facts-us-hospitals, “Fast Facts on U.S. Hospitals,” 2026.