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Hospital Supplement

This indemnity insurance pays cash benefits to cover out-of-pocket costs for hospital stays due to accident or sickness.

An accident or sickness requiring a hospital stay is stressful enough without learning the limits of what's paid for by your health plan. Help reduce your out-of-pocket expenses from covered events with Hospital Supplement.

It's guaranteed-issue hospital indemnity insurance for those meeting age and residency requirements. Plans start at $5/month.

Liferaft works with multiple carriers to bring you hospital indemnity insurance options.

What is Hospital Indemnity Insurance?

If you spend time in the hospital due to a sickness or accident, hospital indemnity insurance pays you a fixed benefit amount to help cover expenses like your deductible, coinsurance, transportation, medications, rehabilitation, or home care costs.

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Why should I have Hospital Supplement?

An unexpected hospitalization can have a major financial impact. Your health insurance may not completely cover these costs, leaving you to pay any out-of-pocket expenses.

Hospital Supplement insurance may reduce that financial burden.


Average out-of-pocket maximum in the United States.1


Percentage of Americans worried about being able to afford an unexpected medical bill.2

0.0 days

Average length of a hospital stay in the United States.3

IMPORTANT NOTICE: Coverage under the policy does not constitute comprehensive health insurance coverage (a/k/a/ "major medical insurance"). It therefore does not satisfy the "minimum essential coverage" requirements of the Patient Protection and Affordable Care Act. Coverage will not satisfy the individual responsibility requirements of section 5000A of the Internal Revenue Code.