We’ve all seen the silly duck (or is it a goose?) advertising cash in your pocket because of an illness or accident, but what exactly is a Hospital Indemnity Policy and how does it compare to Disability Income Protection?
Although qualified as “insurance” a Hospital Indemnity Policy is actually a cash benefit plan that pays directly to the insured (you) in the case of hospital confinement. Most folks purchase an indemnity plan to help offset the co-pay and deductible costs associated with their major medical insurance.
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