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Hospital Indemnity

Principal® hospital indemnity insurance helps supplement core benefits—like medical and disability coverage—to help employees handle expenses related to hospitalization and treatment due to a sickness or injury. Our coverage provides flexible design options to allow employers to tailor the benefits to employees’ needs. Some examples of covered benefits include daily hospital confinement, inpatient surgery, and therapy. And it pays a lump-sum cash benefit employees can use any way they choose.

States are in the process of being approved to offer hospital indemnity. See current state approvals. (GP63006) (PDF)

Important Information

For financial professional use only. Not intended for use with consumers or the public. HOSPITAL INDEMNITY INSURANCE PROVIDES LIMITED BENEFITS. This summary is not a complete statement of the rights, benefits, limitations, and exclusions of the coverage. Not available in all states.


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