Hospital Insurance

Discover the smart companion for today’s health plans

With the rising cost of health care, one trip to the hospital could cause a serious financial setback — given the deductibles, co-pays and out-of-pocket expenses. Group Hospital Insurance can help employees manage these unexpected costs by providing lump-sum benefits for many of the expenses medical insurance may not cover.

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

The value of Hospital Insurance

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.

How Hospital Insurance works

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

Plan 1 Plan 2 Plan 3
  • Hospital admission
  • Hospital admission
  • Outpatient surgical procedure
  • Diagnostic procedure
  • Hospital admission
  • Outpatient surgical procedure
  • Inpatient surgical procedure
  • Diagnostic procedure
  • Transportation and lodging

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.

Commonly asked questions about Hospital Insurance

What Hospital Insurance benefits are available?

Unum offers group Hospital Insurance policies. Several optional riders are also available. To learn more about the features and benefits of each one, contact your Unum representative.

Where can insured employees find a copy of their policy and update their contact information?

Employees can log in to their account to view their policy, update their contact information and manage their insurance. If they don’t have an account, they can register here.

How does an insured employee file a claim or see the status of an existing claim?

The fastest way for insured employees to receive benefits is to set up direct deposit. To begin the claim filing process or see the status of a claim that has already been filed, have the employee log in to their account. If they don’t have an account, they can register here. Paper-based claims are also available. For more information on their options for filing claims, direct them to our Claims Forms.

Where can insured employees find information about their premiums, payment dates and other billing information?

Employees can log in to their account to view the status of their policy, see their premium amount and due dates, manage their billing information, make payments and more. If they don’t have an account, they can register here.

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.