Financial Relief for Unexpected Hospital Stays
Hospital stays can be costly, even with health insurance. HospitalWise provides cash benefits to help cover hospital bills, ICU stays, outpatient care, and more.
Get a Free QuoteWhat is HospitalWise?
HospitalWise is a hospital indemnity insurance plan designed to provide fixed cash benefits for covered hospital stays. Whether you're admitted for illness, injury, or emergency care, this plan helps offset out-of-pocket expenses so you can focus on recovery instead of financial strain.
With three plan options, you can customize your coverage to fit your needs and budget.
Key Benefits
- Cash benefits paid directly to you to use however you choose
- Covers inpatient hospital stays, ICU stays, and hospital observation stays
- No waiting periods for most benefits
- Guaranteed issue—no medical exam required
- Renewable for life
Hospital Indemnity Benefits
HospitalWise offers straightforward cash payouts for covered hospital visits:
- Inpatient Hospital Stay (Sickness or Injury) – Fixed cash payment for each day of hospitalization.
- Intensive Care Unit (ICU) Stay – Additional benefits for ICU admissions.
- Hospital Observation (12 to 24 hours) – Coverage for short-term hospital stays.
Additional Coverage (Available on Some Plans)
Some plans include extra benefits to help cover outpatient and emergency costs:
- Emergency Room/Urgent Care Visits
- Doctor's Office Visits
- Outpatient Surgery & Major Diagnostic Exams
- Ambulance Trips
- Wellness Visits (30-day waiting period in most states)
✅ No network restrictions – Use your benefits with any hospital or provider.
Plan Options
HospitalWise offers three plan options, all of which provide hospital indemnity coverage. Bundle Plans offer additional outpatient benefits.
| Plan Type | Core Hospital Benefits | Outpatient Benefits |
|---|---|---|
| HospitalWise Base | Inpatient stays, ICU stays, observation care | ❌ Not included |
| HospitalWise Bundle 1 | Inpatient stays, ICU stays, observation care | ✅ Emergency visits, outpatient surgery, ambulance |
| HospitalWise Bundle 2 | Inpatient stays, ICU stays, observation care | ✅ Everything in Bundle 1 + doctor's visits, wellness visits |
Issue Ages:
- Available for individuals ages 18-64.
- Guaranteed issue – No medical questions required!
How It Works
Choose Your Plan
Select the Base Plan or Bundle Plan based on your needs.
Apply Online
Quick application process with no medical exam required.
Receive Benefits
If hospitalized, get fixed benefit payments directly to you.
Use Your Money
Pay medical bills, cover lost wages, or handle everyday expenses.
✅ Pays regardless of other health insurance coverage!
Why Choose HospitalWise?
- Cash Benefits Paid Directly to You – Use for any expense, not just medical bills.
- Works Alongside Health Insurance – Covers gaps in high-deductible plans.
- No Medical Questions Required – Guaranteed issue for eligible applicants.
- No Waiting Period for Most Benefits – Start coverage as soon as your policy is active.
- Nationwide Coverage – Choose any hospital or provider.
Don't Let Hospital Bills Become a Financial Burden
HospitalWise provides peace of mind and financial protection when you need it most. Get covered today!
Get My Free Quote