Hospital visits can cost a lot of money — even for employees with good medical coverage. High deductible health plans are increasingly common, but they result in more out-of-pocket expenses for employees. Whether you’re looking for a way to increase your overall health care benefits package, move to a more affordable health plan or simply provide more comprehensive benefit options to your team, Hospital Insurance provides a valuable solution.

Hospital Insurance can be employer-paid or employee-paid, so it's a good fit for any benefits budget. It’s available in three plan designs to complement most major medical plans — including an HSA-compatible design. Employers pick the plan design and benefit amounts that make sense for their employees.

Choose from three employer-elected plan design options

Hospital indemnity insurance makes it easy to customize a policy and help prepare for unexpected expenses. The amount provided by this benefit could be used for co-pays, co-insurance and deductibles - or however else employees choose to use it. Most plans even include an annual wellness benefit to help promote a healthy lifestyle.

Hospital Insurance also offers these valuable features:

Single situs state — One plan design across multiple locations streamlines education and enrollment.

Family coverage options — Spouses and children can be easily added to employee plans.

Wellness Benefit — A benefit for select health screenings encourages individuals to be proactive about their well-being, which could lead to a healthier overall workforce.

Guaranteed issue — Eligible employees can get coverage without answering health questions, for an easier enrollment process.

THE POLICIES PROVIDE LIMITED BENEFITS.

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.

Group hospital indemnity: Underwritten by Unum Life Insurance Company of America, Portland, ME.

Individual hospital indemnity: Underwritten by Provident Life and Accident Insurance Company, Chattanooga, TN.