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Hospital insurance can help fill coverage gaps

Health insurance premiums and deductibles are rising, and employees are looking for meaningful ways to manage their medical costs. Hospital indemnity insurance can help offset out-of-pocket costs by paying benefits for covered hospital stays, surgeries and related services.

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Ease the financial strain of a hospital stay

Hospital indemnity insurance can help cover out-of-pocket expenses related to a hospital stay or other medical procedures for a covered condition. Examples of these out-of-pockets include:

  • Outpatient surgery
  • Inpatient services
  • ER visits, X-rays, diagnostic exams
  • Doctor appointments

Advantages for employers and employees

Here’s how offering hospital indemnity coverage supports your business and your employees.
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For employers and HR professionals

  • Customize a benefits package that helps attract and retain high-performing employees without adding costs to your bottom line
  • Manage the rising costs of coverage through voluntary benefits and potential tax savings
  • Streamline the enrollment process for all of your benefits, including major medical plans, by partnering with our nationwide team of benefit counselors
  • Simplify plan administration with our benefits enrollment and management tools
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For your employees

  • Receive benefits directly with the flexibility to use it where it's needed most
  • Access coverage options that can help support themselves and eligible family members
  • Provide options to continue coverage or maintain protection during life and career changes

What popular features in the policyholder portal help employees use their benefits?

Check on policies and personal info
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    See the status and get a copy of their policy
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    Check their premium amount and due date
File and review claims online
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    File or check on the status of a claim
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    Set up direct deposit for quicker benefit payment

FAQ

Hospital indemnity insurance can help cover the cost of a hospital stay and other medical procedures, regardless of what health insurance pays.
A range of hospital indemnity insurance plans are available that can help individuals prepare for the unexpected costs associated with covered hospital stays and related services. Available options and benefits vary based on the plan selected.

Take the next step

Policy forms marketed by the company are too numerous to list in the advertisement, but a list can be provided upon request.