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.

Plan administrators: Manage online billing, update employee salary adjustments and terminations, and more through our secure website. Not yet registered?

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 supplements 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 plans 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: Eligible employees can get coverage without answering health questions at their initial enrollment.

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.

1 in 6 patients

admitted to the hospital through the ER were likely surprised by their medical bills.1

41% of Americans

have medical bill problems or are paying off medical debt.2

Nearly 70% of Americans

say their household has less than $1,000 in savings.3

Commonly asked questions about Unum Hospital Insurance

Explore other ways to enhance your benefit program

Supplement your medical plan with Accident and Critical Illness Insurance, to make your benefits package even more competitive.

1. An examination of surprise medical bills and proposals to protect consumers from them. Peterson KFF - Health System Tracker 2019

2. Survey: 79 Million Americans Have Problems with Medical Bills or Debt. The Common Wealth Fund. May 2019

3. PERSONAL SAVINGS IN THE U.S. Statista. Dec 2019.

THIS POLICY PROVIDES LIMITED BENEFITS.

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.

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

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.

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, New York, New York.