Hospital Insurance

With the rising cost of health care, one trip to the hospital could cause a serious financial setback. Hospital Insurance can help your employees manage the expenses health insurance may not cover — like deductibles, co-pays and the costs of missing work.

Help shield your employees from the unexpected costs of a hospitalization

Hospital visits can cost employees a lot of money — even if they have good medical coverage. Hospital Insurance can help supplement your major medical plan by offering a lump-sum benefit that helps employees pay these bills. It’s a valuable solution for recruiting talented people and keeping your health insurance costs in check.

Choose the plan design and benefit amounts that make sense for your employees. All plan include benefits for hospital admission and can add the following features:

Health Savings Account (HSA) Compatible

Includes benefits for:

  • Hospital confinement
  • ICU confinement
  • Emergency room and ambulance

Non-HSA Compatible

Includes benefits for:

  • Hospital confinement
  • ICU confinement
  • Emergency room and ambulance
  • Outpatient and inpatient surgical procedures
  • Diagnostic procedures
  • Transportation and lodging

Protection for employees

  • Lump-sum benefit can be used to pay for the direct and indirect costs of a hospitalization, such as:
    • Deductibles and co-pays
    • Transportation
    • Child care
  • Spouse and child coverage is available.
  • It’s guaranteed issue: When eligible employees enroll during their initial enrollment, they can enroll up to a specified amount without needing to provide evidence of insurability. Benefits payable may be subject to a preexisting condition.1

Ease and cost savings for you

  • Hospital Insurance can be employer-paid or employee-paid, so it's a good fit for any benefits budget.
  • Single situs state allows for easy implementation and consistent benefit communication messaging across all your locations.
  • The coverage can be HSA-compatible.
  • Annual wellness benefit encourages responsible health management.2

Plan administrators

Manage online billing, update employee salary adjustments and terminations, and more through our secure website.

Commonly asked questions about Unum Hospital Insurance

1. Benefits may be subject to a pre-existing condition.

2. Wellness benefit not available in all states.


This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law.

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 to policy form 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 Insurance is underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.

Group Hospital Insurance is underwritten by Unum Insurance Company, Portland, ME, In NJ and NY, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.