What is Hospital Indemnity?
With today’s travel guidelines restricting certain items such as liquids, and having luggage weight and size limitations it is obvious why travelers have limited what they bring on a trip to only the necessary items. Although having only a few items is sufficient enough to get you through a trip that goes according to plan, what about the trip to the destination of your choice, that doesn’t run as smooth as planned? What happens when you run into the unexpected and need more than what you brought?
You might be thinking what sort of tank top or toothbrush emergency could I possibly get in on my trip? However, imagine this, you are taking your ‘Sound of Music’ tour through Salzburg, Austria that you have been planning for months when all of a sudden you trip down the stairs of the church where Maria and the Captain got married. Your fall lands you in the hospital. Since you brought child size toiletries in order to meet airline regulations and had budgeted in the free hotel toiletries the rest of your trip, you might be in for a shock if the hospital you are staying at does not offer these free amenities like your hotel.
However, under the Atlas Travel plan, there is a hospital indemnity benefit. Hospital indemnity will provide $100 for each night you spend in the hospital as an inpatient when receiving treatment for a covered illness or injury. Hospital indemnity benefits are not subject to a deductible or coinsurance and are in addition to the payments for other covered expenses. If you need to purchase toothpaste, meals or soap because the hospital does not supply these items free of charge this benefit will allow you to do so without tapping into your travel budget.
You might also be interested in reading more information about International Hospitals and the state of healthcare and hospitals in countries popular with Expats.