Hospital Insurance

Focus on recovery — not finances

It’s no secret that hospital bills can set a family back financially. When you or covered loved ones are admitted to a hospital, Hospital Insurance can provide a lump-sum payment to help you cover the expenses that often follow.

Already have Unum coverage? File or manage a claim or leave, download forms or update your information by logging in to your account. Register for an account.

Extra help for unexpected expenses

Reduce the financial strain of a hospital stay

When you need a trip to the hospital, the last thing you want to be thinking about is how it’ll impact your finances. Unfortunately, the reality is that even with major medical insurance, you may still be responsible for co-payments, deductibles and other out-of-pocket costs.

Our Hospital Insurance helps protect your finances when there’s an emergency. When you or a covered family member is admitted to the hospital, these policies can pay a benefit directly to you to use as you see fit, whether to cover immediate medical costs and travel expenses, or to help keep the bills covered at home. Whether you’re being treated on an inpatient or outpatient basis, this coverage can help you manage your expenses during a stressful time.

Contact your HR manager about getting Unum Hospital Insurance.

More about Hospital Insurance

Nathan pictured after his return to work

How Hospital Insurance can help

Nathan works hard to pay for the things that matter to him and his family. So when his appendix ruptured, he worried what it would mean to his finances. His recovery kept him in the hospital for five days, but Nathan’s Hospital Insurance protected his savings. A lump-sum benefit helped Nathan with the unexpected costs — so he could get back to work with fewer worries.

Nathan's out-of-pocket expenses:
Emergency room co-pay $100
Deductible $500
Co-insurance for five-day hospital stay

$2,000

($10,000 x 20%)
Total out-of-pocket expenses
 $2,600
How Nathan's plan helped:
Emergency room visit $150
Hospital admission benefit $1,500
Daily hospital confinement benefit

$500

($100 x 5 days)
Total benefits paid $2,150

For illustrative purposes only. Costs of treatment and benefit amounts may vary.

Commonly asked questions about Unum Hospital Insurance

Who is eligible for Hospital Insurance?

You, your spouse and eligible dependent children can be covered under your plan. Talk with your HR representative for more details.

What types of expenses are covered?

Depending on the plan offered by your employer, you can receive coverage for hospital admission, hospital confinement expenses, diagnostic tests, outpatient surgery, inpatient surgery, ICU, emergency room and rehabilitation services, and lodging and transportation costs for you and a companion.

How much does Unum pay?

The amount provided depends on your insurance plan and the kind of treatment needed. For more details, talk with your HR representative.

GROUP HOSPITAL INDEMNITY IS A LIMITED POLICY.
Underwritten by Unum Life Insurance Company of America, Portland, ME.

The policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.

Please read these important disclosures for Arizona.