Coverage for Hospital Expenses
Planned or unplanned, a trip to the hospital can be expensive. While health insurance covers most hospital, surgical and medical costs, it doesn't cover everything. From copays and deductibles to out-of-network charges and everyday living expenses, Group Hospital Indemnity insurance can help.
How Hospital Indemnity Insurance Works
Get a lump sum benefit paid directly to you, regardless of your medical insurance. Use that money for anything you need to support yourself during recovery.
1. You or your family member is admitted
Health insurance may cover many direct costs of a hospital stay, but not everything.
2. Simply file a claim
Approved claims are paid by check and sent directly to you. You can spend it on whatever you need, from medical bills to everyday expenses like child care.
3. You focus on getting better
Financial support for a hospital stay can help you focus on what matters most — getting better.
Benefits to Cover the Unexpected
Count on these benefits when you’re faced with hospital expenses.
Stay Proactive With Wellness Care
When you take charge of your health with wellness screenings2, such as cholesterol checks, mental health assessments and testing for COVID-193, you can earn an extra benefit.
Cover the Whole Family
Choose to cover your children and spouse.1
Many Hospitalizations
Count on coverage for your hospitalization due to childbirth, injury or illness — including COVID-19 and mental health.
No Premium for Long-Term Stays
Waive your premium for stays over 30 days.1
Direct Assistance
Have benefits paid directly to you, not medical providers.
Fill the Gap
Use benefits to help pay for expenses not covered by medical insurance.
Explore How Coverage Helps
Read stories from our customers about how Hospital Indemnity insurance helped them.
River was having cold-like symptoms — a slight fever, fatigue and chest congestion. When the symptoms got worse, they were admitted to the hospital. River spent two days in the intensive care unit and eight additional days getting IV antibiotics.
Fortunately, their Hospital Indemnity insurance plan helped River to cover the unplanned, out-of-pocket expenses, so they could focus on recovery, not finances.
River’s insurance benefits helped pay for:
- Hospital admission
- A 10-day hospital stay
- Critical care admission
- 2-day critical care stay
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Rahul’s chronic depression worsened drastically after a breakup. During this crisis, he took all of his antidepressant medication, some allergy pills and alcohol. His roommate found him in bed unresponsive. An ambulance took Rahul to the hospital, where he spent one day in the ICU. Then he was admitted to the hospital’s inpatient psychiatric unit for five more days, where he met with a psychiatrist and a social worker daily.
Rahul’s Hospital Indemnity insurance helped with the unexpected hospital costs without causing additional financial anxiety during recovery.
Rahul’s insurance benefits helped him cover:
- Hospital admission
- Critical care admission
- 1-day critical care stay
- 5-day hospital stay
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Brooke's pregnancy took an unexpected turn when the baby had to be delivered via C-section. Both she and her baby were in good health, but Brooke needed extra time in the hospital to recover from the surgery. Thankfully, her benefits helped her to pay the unexpected bills without affecting her ability to pay for diapers, clothing and other newborn needs.
Brooke's insurance benefits helped pay for:
- Hospital admission
- Three-day hospital stay
- C-section surgery
- Anesthesia
- Physician follow-up
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
Jeremy woke up in the middle of the night with intense, sharp pain and a high fever. At the ER, he learned that his appendix had ruptured and that he needed emergency surgery. Following surgery, he was hospitalized for observation and potential infections.
Thankfully, his benefits helped him to stay financially stable despite the unexpected bills and lost wages.
Jeremy's insurance benefits help pay for:
- Emergency room costs
- Hospital admission
- Five-day hospital stay
- Anesthesia
- Appendectomy surgery
- Physician follow-up
Example is for illustrative purposes. Eligibility for benefits and amounts shown in this example may vary from any policy your employer may offer and may vary based upon your individual circumstances, policy definitions, waiting periods, exclusions and limitations.
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
This fixed indemnity policy may pay you a limited dollar amount if you're sick or hospitalized. You're still responsible for paying the cost of your care.
The payment you get isn't based on the size of your medical bill.
There might be a limit on how much this policy will pay each year.
This policy isn't a substitute for comprehensive health insurance.
Since this policy isn't health insurance, it doesn't have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
Visit HealthCare.gov online or call 800.318.2596 (TTY: 855.889.4325) to find health coverage options.
To find out if you can get health insurance through your job, or a family member's job, contact the employer.
Questions about this policy?
For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners' website under "Insurance Departments."
If you have this policy through your job, or a family member's job, contact the employer.