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.

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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.

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


($10,000 x 20%)

Total out-of-pocket expenses
How Nathan's plan helped:
Emergency room visit $150
Hospital admission benefit $1,500
Daily hospital confinement benefit


($100 x 5 days)

Total benefits paid $2,150

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

Employers and HR representatives

Find out more about offering individual or group hospital insurance for your employees.

Commonly asked questions about Unum Hospital Insurance

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.