Medical Indemnity Insurance

Medical Indemnity Insurance

Get affordable insurance plans with set benefits and no deductible.

This is not a replacement for health insurance or a Medicare Supplement (Medigap) insurance policy.

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What is medical indemnity insurance?
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This type of plan gives you a fixed cash benefit payout in case you experience specific illnesses or injuries covered by your policy. For some people, one of these plans may be a helpful add-on to a regular health insurance plan to cover out-of-pocket costs for medical expenses they expect to incur during the year.
Are medical indemnity policies the same as Obamacare?
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No, medical indemnity insurance isn't the same as a regular health insurance plan, or major medical insurance. Further, these plans are not considered minimum essential coverage that conforms to the Affordable Care Act (ACA), or Obamacare. Medical indemnity plans may only cover a limited set of illnesses, injuries, drugs, and/or medical procedures, and may not cover hospital costs--so check your policy brochure carefully.

Why Medical Indemnity

Medical Indemnity in US


Medical indemnity insurance is not a replacement for health insurance. Medical indemnity insurance pays set cash amounts that can help you in situations such as hospitalization.

These insurance plans are not qualified health plans under the Affordable Care Act (ACA or “Obamacare”) and do not meet the coverage and benefit requirements of the ACA. You cannot receive a subsidy (premium tax credit and/or cost-sharing reduction) under the ACA in connection with your purchase of medical indemnity insurance and may still owe the tax penalty (the individual shared responsibility payment) under the ACA. Some people may qualify for exemptions from the ACA tax penalty. Medical indemnity insurance does not provide the minimum essential coverage of the ACA (benefits such as mental healthcare, pregnancy and childbirth, preventive care, etc.) and does not cover pre-existing conditions (health and other conditions that exist at the time of application).

For ACA health insurance benefits, buy a qualified health plan under the ACA. Further information about the ACA and its implications can be found in our Affordable Care Act Resource Center.

See the official plan documentation on the plan details page for benefits, limitations, exclusions, and other terms that apply to each specific plan.


Some health care services paid for by Medicare may also trigger the payment of benefits from this policy.

This insurance provides limited benefits if you meet the conditions listed in the policy. It does not pay your Medicare deductibles or coinsurance and is not a substitute for Medicare Supplement insurance.