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Hospital Insurance

It’s no secret that hospital bills can set a family back financially. When you’re admitted to a hospital, Hospital Insurance can help you cover the expenses that often follow, so you can focus on your recovery — not your finances. Sign up when it’s offered to you at work.

Reduce the financial strain of a hospital stay

Even if you have medical insurance, a trip to the hospital can leave you with significant unexpected expenses, like co-payments, deductibles and other out-of-pocket costs.

Unum Hospital Insurance can help, by providing payments you can use to manage your expenses during a stressful time.

How Hospital Insurance works

An unexpected hospitalization can drain a family’s savings. But Hospital Insurance can pay a lump sum directly to you to cover some of the expenses you’re not prepared for.

Hospital Insurance pays a set amount for a hospital admission, as well as for other items covered by your plan, such as emergency room treatment and daily hospital confinement.

To help promote a healthy lifestyle, our plans can also pay a benefit when you get a covered health-screening test. 1

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Commonly asked questions about Unum Hospital Insurance

Have questions?

Find out more about Hospital insurance.

Health screening benefits not available in all states. Verify with product that this is an accurate statement.


Hospital Indemnity Insurance is not approved in New Hampshire and Vermont.

This coverage is a supplement to health insurance. It is not a substitute for comprehensive health insurance and does not qualify as minimum essential health coverage.

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

Applicable to policy forms GHI-1 and GHIP16-1. In New Jersey, applicable policy form is GHIP16-1-NJ. In New York, applicable to policy form GHIP16-1-NY.

This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.

Group Hospital Indemnity is underwritten by Unum Life Insurance Company of America, Portland, Maine. In New York, Group Hospital Indemnity is underwritten by First Unum Life Insurance Company, Garden City, New York.

Group Hospital Insurance is underwritten by Unum Insurance Company, Portland, ME. In New York and New Jersey, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.