You might be looking for "hospital indemnity insurance." You have to submit the claim, and rather than the company paying the hospital, they cut a check to you. And you're still on the hook for the hospital bill(s).
There's also critical illness insurance.
These are intended to be supplemental plans, on top of normal health insurance (non-Medicare). But it might be less expensive to just get a normal health insurance plan, that covers more, with high deductibles and co-pays.
Being "in good health" doesn't mean a darned thing. You could be in good health and discover that you have skin cancer, which can be VERY expensive to treat, and is /not/ an emergency that a hospital insurance plan would cover. Out of pocket consultation, biopsies, diagnosis, surgery, further testing to make sure they got it all, antibiotics and ointments, follow-up visits to remove the stitches, can cost upward to around $8000. And that's for just ONE malignant melanoma spot. Then you have to go back every few months because once you get one, you're at a much higher risk for more. Now, you're out $8000, and you start limping, and go to the doctor to find out why. Boom. Severe arthritis that you've been ignoring for years, has just informed you that you need a hip replacement. That's a $25,000 surgery, not at a hospital, not a critical illness, not an emergency, and not including the scans and MRIs and consultations, which will set you back another $5-10k without insurance.
If you're wealthy enough that you don't have to worry about mundane or other complex non-emergency medical expenses, then you probably can afford to not have hospital insurance. You're much more likely to need mundane non-emergency health care than you are to need emergency health care at your age.
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