Hospital Indemnity insurance may help with inpatient and outpatient surgical expenses due to a covered accident or sickness, even for the high cost of general anesthesia.
Hospital Indemnity Insurance
Are you financially prepared for an unexpected illness or accident? Hospital Indemnity insurance may help you focus on recovery, not your finances. Benefit funds can be used for medical expenses and everyday living costs like groceries, childcare, rent/mortgage and more.
What are the benefits of hospital indemnity insurance?
MedChoice Hospital Indemnity insurance* from APL pays you directly if a covered accident or illness results in a hospital stay. Benefits may be paid for doctors’ visits, urgent care, outpatient surgery, hospital stays and a wide variety of outpatient services.
Why Buy Hospital Indemnity Insurance?
Discover the benefits of a Hospital Indemnity insurance plan in this short video.
Have a Hospital Indemnity Claim?
View helpful resources to guide you through the process of submitting a hospital indemnity claim.
Questions? We’re here to help!
Find answers to the most commonly asked questions.
If you prefer to talk, you can always call us at 800-256-8606.
How do I add dependents to my Accident, Cancer, Critical Illness, Everyday Solutions, Hospital Indemnity, MEDlink® or Life insurance policy?
Adding dependents to your coverage after the policy has been issued is subject to insurability requirements and requires a new application. Call your agent or contact us by email or call 800-256-8606 and we’ll connect you with your agent. Once we receive your application, we’ll carefully evaluate your application for new coverage and inform you of our decision via mail.
Please be sure all requests are submitted to our office at least 30 days before the desired effective date of coverage.
Do I have to fill out a claim form?
For consideration of most benefits, you need to complete a claim form either by filing your claim online in the Online Service Center or a paper claim form.
We may also need a signed Authorization to request additional information from your doctor to assist us in reviewing your claim, which is included in the claim form to help expedite the process.
Save time by uploading your claim form and supporting documentation from your Online Service Center account, or submit forms by fax at 877-365-9423 or mail to:
P.O. Box 248950,
Oklahoma City, OK 73124-8950
How do I file a claim?
The fastest and easiest way to file your claim is through your Online Service Center account. Sign in or register your account for convenient automated claims submission.
For wellness benefits under all plans: Click on “File a Wellness Claim” and follow the prompts to submit your wellness and screening benefit claim.
For all other benefits: Click on “Upload Files” then answer the prompts and attach the required documentation.
You may also submit your completed claim form and supporting documentation to us by fax at 877-365-9423 or mail to:
P.O. Box 248950
Oklahoma City, OK 73124-8950
Related products and benefits
We help people prepare for the unexpected with financial protection from the costs of a covered accident, injury or sickness. Discover how our supplemental benefits may help cover the out-of-pocket expenses major medical wasn’t designed to pay.
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Even the best medical insurance may have deductibles and copays. Help protect yourself from the high cost of a covered accidental injury.
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Cancer
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Cancer can be devastating, but you may get financial protection to help cover expenses associated with the detection and treatment of a covered cancer diagnosis.
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Critical Illness
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Help be financially prepared in the event of a heart attack, stroke, cancer or other covered condition.
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Disability
Disability
Short Term Disability insurance may help protect your paycheck if you experience a covered disability, with cash benefits paid directly to you.
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MEDlink®
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When costs may not be fully covered by your major medical plan, gap insurance may help pay those out-of-pocket expenses like high deductibles, copays and coinsurance.
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Term Life
Term Life
Multiple plan options may help provide peace of mind for the future.
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*This Hospital Indemnity policy provides limited benefits.
Underwritten by American Public Life Insurance Company. For complete benefits and other provisions, please refer to the policy/certificate/rider. A hospital is not an institution, or part thereof, used as a place for rehabilitation, a place for rest or for the aged, a nursing or convalescent home, a long-term nursing unit or geriatrics ward, or an extended care facility for the care of convalescent, rehabilitative or ambulatory patients. This product has limitations, exclusions and waiting periods, all benefits may not be available in all states, does not replace Workers’ Compensation Insurance and is inappropriate for people who are eligible for Medicaid coverage.
Other products listed may contain limitations, exclusions and waiting periods. See your specific policy for full coverage details. All benefits may not be available in all states. Some products may not replace Workers’ Compensation Insurance and may be inappropriate for people who are eligible for Medicaid coverage.
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