Is it possible to get multiple hospital indemnity plans from different companies such as Aflac and Metlife? If I were to get one by myself, can I cancel any time?


Health insurance pays for specific medical services after deductible or co-payment amounts are satisfied.

A hospital indemnity covers the overall event, namely hospitalization. It's usually a per diem amount (paid daily or in a lump sum) of a set amount by the insurer but policy terms can vary. Some insurance companies offer tiers of coverage ($100 a day, $200 a day, etc.). More robust plans may cover ambulance trips, surgery, etc.

Yes, you can get multiple hospital indemnity plans from different companies. I've owned two for many years. It's not a long term contract. You are free to cancel at any time.

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