US Medical Term · insurance
Indemnity Insurance
Seguro de indemnización
In 9 languages
| Language | Term |
|---|---|
| English | Indemnity Insurance |
| Spanish (Español) | Seguro de indemnización |
| Chinese (中文) | 補償保險 |
| Korean (한국어) | 손해배상 보험 |
| Vietnamese (Tiếng Việt) | Bảo hiểm bồi thường |
| Filipino (Tagalog) | Indemnity insurance |
| Portuguese (Português) | Seguro de indenização |
| Thai (ภาษาไทย) | ประกันสุขภาพแบบชดเชย |
| Japanese (日本語) | 実費補償保険 |
What it means
Indemnity insurance (also called fee-for-service insurance or traditional health insurance) allows you to visit any doctor or hospital without a network restriction. You pay for services upfront and then submit a claim for reimbursement, or your provider bills the insurer directly. The insurer reimburses a percentage of the allowed charge. Indemnity plans typically have higher premiums and may require more paperwork. They offer maximum flexibility for patients who travel frequently or have long-standing relationships with specific providers outside any network. These plans are less common today but still available in some markets.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
My indemnity plan lets me see any doctor — do I need a referral?
Mi seguro de indemnización me permite ver a cualquier médico — ¿necesito una referencia?
How do I submit a reimbursement claim under my indemnity insurance?
¿Cómo presento una reclamación de reembolso bajo mi seguro de indemnización?
What percentage of my bill will my indemnity plan reimburse?
¿Qué porcentaje de mi factura reembolsará mi seguro de indemnización?
Where you'll see it
Related terms
Sources
Last reviewed: September 2026