Group Hospital Indemnity coverage eases the cost of hospital visits

Unum's Group Hospital Indemnity (GHI) Insurance helps protect employees from the financial costs of unexpected health events that result in hospitalization or other treatment. This coverage is an essential part of a total financial protection plan.

The rising costs of healthcare means one trip to the hospital could cause a serious financial setback. And hospital visits are often accompanied by out-of-pocket costs that are not covered by a typical medical plan. Unum's GHI coverage is designed to complement all types of medical plans - by providing a lump-sum benefit when an individual is admitted to the hospital. The coverage offers a rich choice of employer-selected options, including a daily benefit for hospital stays or intensive-care confinement.

"Employers are struggling to manage the increasing costs of health care," says Tom Dupuis, vice president of product development for Unum. "Group Hospital Indemnity coverage gives them a way to relieve some of that financial pressure - by providing their employees with access to reasonably priced coverage that can supplement their medical plans and help them financially when they face a hospitalization."

GHI coverage is a great option for families or individuals at all stages of life. In the event of a major illness or injury that results in hospitalization, GHI offers significant financial protection. The coverage pays out a lump sum regardless of the cost of care, which can be used to cover co-payments, deductibles and everyday expenses.

Other advantages include:

Hospital admission benefit for all plan designs, from $500 to $5,000
A family-friendly design that may include the option for covered employees to add family members
A wellness benefit option, available to encourage better overall health management
No physical exam is required for eligibility

In addition to the financial protection group hospital indemnity insurance gives employees, the coverage also has many employer advantages:

Flexible employer-elected plan designs — including an HSA-compatible design — complement the medical plan offered to employees
Plan designs can include outpatient and inpatient surgical benefits, as well as a diagnostic procedure benefit, for a tailored plan that meets workplace needs and provides financial protection
Coverage can be employee-paid or employer-paid
Benefit education and enrollment support from Unum are included

"A stay in the hospital can be the source of great stress and worry for both patient and family," Dupuis says. "Group Hospital Indemnity coverage gives employees an easy and affordable way to protect both their family and their finances."

For more information, see our marketing flyer – and contact your Unum representative.

THIS IS A LIMITED POLICY

CA, MA, and ME — Employees must have comprehensive medical coverage before purchasing hospital indemnity insurance.
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 policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability.
Underwritten by: Unum Life Insurance Company of America, Portland, Maine

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