What is hospital confinement indemnity insurance?  No matter how good your major medical insurance is, when you're hospitalized for an injury or illness there will probably be medical expenses and out-of-pocket costs that aren't covered. A hospital confinement indemnity insurance policy provides cash benefits to use as you see fit. The benefits are predetermined and paid regardless of any other insurance you have, and you have a choice of applying for basic to extensive hospital coverage. Whether you want a policy that provides hospitalization benefits only, or one that also addresses diagnostic procedures, outpatient surgery and ambulance transportation, Aflac can help.

Some Aflac advantages:

  • No deductibles
  • HSA-compatible policy available
  • We don't use networks, so you can be treated at the hospital of your choice
  • No precertification
  • You own your policy, so even if you change jobs or retire, you can take it with you


This is for illustrative purposes only. Benefits may not be available in all states.

NOTICE TO BUYER: This is a hospital confinement indemnity policy providing limited benefits. It is not a substitute for major medical coverage. It is designed to supplement a major medical program. It does not constitute comprehensive health insurance coverage and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. If you do not have such coverage you may be subject to penalties.

View Plan Options

You can review all of your plan for coverage below. This is a brief overview. There may be multiple levels of the same coverage. Benefits and benefit amounts are determined by state, plan level, and type of coverage selected. Refer to the attached brochure for details on benefits, limitations, and exclusions prior to applying for coverage.

Aflac Hospital Advantage provides benefits for hospitalizations, including a Hospital Confinement Benefit, Emergency Room Benefit, Hospital Short-Stay Benefit, and Rehabilitation Facility Benefit. Depending on the policy options selected, the plan also pays benefits for services that extend beyond hospitalization, such as physician visits, diagnostic exams, and ambulance transportation. Some options pay from $50-$1,000 for surgeries and include daily benefits for hospitalizations and intensive care. Please review the levels below to determine the amount of the Hospital Confinement Benefit that is right for you. Then select the brochure to view the policy options for additional coverage and benefits available.


Learn More About Rates
Subscriber(s)Monthly Premium
Individual$32.00 - $69.00
Employee and Spouse$47.00 - $119.00
One-Parent Family$44.00 - $89.00
Two-Parent Family$54.00 - $125.00

The rate ranges above are for illustrative purposes only and do not imply coverage. Different factors (such as age, plan level, and optional riders) are used when calculating the actual premium rate. Please see the accompanying product brochure for complete details, limitations, and exclusions.

Note: Biweekly employees will have 24 deductions with two periods having no deductions for Aflac. Employees who are 9-pay or 10-pay will have condensed premiums to reflect the number of payroll deductions available to them.

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Learn more about Aflac hospital insurance coverage.

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