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Hospital Indemnity Insurance

Hospital indemnity insurance isn't just for hospitalization.

An unexpected illness or accident could result in a hospital stay or outpatient surgery. Are you financially prepared?


Hospital indemnity insurance helps cover the out-of-pocket costs associated with outpatient surgery, emergency room visits, urgent care, physical therapy and more.


Benefits are paid directly to you to use however you see fit. It’s important coverage when you need it most.

Hospital indemnity insurance from APL can be used for medical and non-medical expenses.

Benefit Options


Doctor's office visits


Urgent care


Outpatient surgery


Hospital stay


And more!

Key Features


Guarantee Issue with no medical questions, examsor appointments*


Convenient payroll deduction and cost-effective premiums


Portable coverage should you change jobs or retire

To learn more about APL’s Limited Benefit Hospital Indemnity Insurance products, ask your employer!

*Guarantee issue is subject to the group meeting participation requirements.

A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients.

The information contained on this product page generally highlights the important features of the particular product listed and does not constitute a statement of contract, nor a complete description of the conditions, benefits, limitations, exclusions and other terms of coverage. The product listed and/or all benefits may not be available in all states and coverage is subject to all applicable policy provisions as authorized by the proper state regulatory authorities. For complete information, please consult the product brochure for your state or contact APL. This product is inappropriate for people who are eligible for Medicaid coverage.

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Want to offer APL's hospital indemnity insurance to your clients? Become one of our brokers and start partnering today!

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APL Hospital Indemnity Insurance For Brokers

Start with a Hospital Admission benefit then choose from a wide variety of additional inpatient and outpatient benefits


  • Add as much or as little as you want by selecting the days and dollar amounts for each benefit
  • HSA-compatible plans or use without an HSA


Choose from:

  • Hospital benefits including hospital confinement, intensive care unit admission, intensive care unit confinement, rehabilitation and ambulance
  • Outpatient benefits including minor, major and invasive diagnostic testing, routine health screening, emergency room, urgent care facility, physician’s office, prescription drugs and physical, speech or occupational therapy
  • Inpatient and outpatient surgical benefits including preventative elective surgery (prophylactic cancer surgery for those with a genetic disposition or family history of cancer)
  • Optional critical illness rider


Plus, APL Hospital Indemnity Insurance Offers

  • Attained age or issue age rates 
  • Age-banded or composite rating
  • Portability that survives the master contract
  • Filed to use with employer groups, associations and unions


Contact Broker Resources today!


How can we help you? 800-256-8606

We strive to provide prompt, accurate and compassionate service to our brokers, employers and individual customers.

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