Hospital Indemnity Insurance

While high deductible health plans may make health coverage more affordable for employer and employees, they may greatly increase an employee’s out-of-pocket expenses if a serious illness or accident occurs. The Kemper Health Hospital Indemnity insurance policy complements a group’s existing major medical coverage while helping ease the financial impact of hospitalization.

The Kemper Health Hospital Indemnity policy offers valuable benefits for employees and their covered dependents, including:

  • A fixed daily benefit for hospital stays, regardless of hospital fees.
  • Benefits paid directly to the insured, in addition to any other insurance.
  • No health questions or pre-existing limitations.
  • Coverage for multiple confinements available.

See Our Hospital Indemnity* Insurance in Action

CASE STUDY Hospital Indemnity Insurance Close-up of woman in hospital bed. How the plan worked for Mary Mary was admitted to the hospital after experiencing dizziness and weakness on her left side. She was told by doctors that she had suffered a mild stroke. The doctors would like her to stay in the hospital for observation and additional testing. Mary is relieved to know her deductible of $2,000 will be covered, as well as part of her copayment because she enrolled in Kemper Health’s Hospital Indemnity* insurance plan. Chart showing the benefits paid to Mary for each day she’s in the hospital. 1st Day in the hospital: $1,500 2nd Day in the hospital: $500 3rd Day in the hospital: $500 Total paid to Mary: $2,500 Mary’s Medical Plan Deductible: $2,000 Remainder for Mary to use as Needed: $500 *Coverage based on Kemper Health voluntary worksite Hospital Indemnity plan. Actual coverage may vary. Please check for your state’s plan availability at This case study is a fictional example based on estimated costs. Please see Kemper Health voluntary worksite Hospital Indemnity insurance Features and Benefits before making a decision.

*Underwritten by Fidelity Security Life Insurance Company ® Kansas City, MO 64111 Policy Form No. M-6015 Policy Nos. HP-51/ HP-52.

See Our Hospital Indemnity Insurance in Action


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When an employee or a covered family member is admitted to the hospital, the policy pays a benefit directly to insured (unless assigned) with no restrictions on how the funds can be used.


If more than 30 days pass between periods of hospitalization for the same condition, the subsequent occurrence is treated as a new confinement.

Give employees the health insurance protection they deserve.