Is Indemnity Insurance Worth It. This is the most compelling reason to buy professional indemnity insurance. What does it pay for?
With hospital indemnity insurance, you only get the benefits paid if you have a stay in the hospital. Not only are you not getting much bang for your buck, you are also pigeonholed into a specific situation. Hospital indemnity insurance is meant to supplement your medical insurance, not replace it, so it’s as important to understand what it won’t cover as what it will.