Offset medical costs with hospital indemnity insurance

Help cover what health insurance doesn't with hospital indemnity benefits

For many, health insurance premiums and deductibles are skyrocketing while coverage is staying the same or worsening. Hospital indemnity insurance helps offset these additional costs by paying benefits for covered surgeries and hospital stays or services.

Policyholders, file claims, view your policies and more by logging in to our secure site. Not registered?

Hospital costs already cause enough stress

Hospital indemnity coverage shifts the focus to healing, not finances

When you're in the hospital or undergoing outpatient surgery, the last thing you need to worry about is how much it will cost to get better. Even when you have health insurance, premiums don't cover everything. The average expense for a hospital stay ranges from $9,100 for a medical stay to $22,700 for a surgical stay.1

If you're admitted to the hospital for a covered accident or sickness, hospital indemnity insurance plans provide benefits that can help pay for hospital expenses that aren't covered by your health insurance, such as costs related to:

  • Outpatient surgery
  • Inpatient services
  • Diagnostic tests
  • Doctor appointments
  • Emergency room trips

With this added financial protection, you can dedicate energy toward getting well instead of worrying about bills.

Privately insured Americans of working age spent over $1,000 out of pocket per hospital stay in 2013.2

How Colonial Life hospital indemnity insurance works

When a sudden illness or injury affects your health, our hospital indemnity insurance helps minimize its effect on your finances. After customizing a policy with your preferred benefit amount, you can use your insurance to pay for day-to-day bills or out-of-pocket medical costs, such as deductibles, co-payments and other expenses.

Colonial Life's hospital indemnity insurance makes it easy to customize a policy and help prepare for unexpected expenses. Most plans even include an annual wellness benefit to help promote a healthy lifestyle.

All policies include:

  • Benefits payable directly to the policyholder (unless specified otherwise) that can be used for any purpose
  • Availability for you, your spouse and eligible dependent children
  • Clear benefit amounts so you know the exact amount that's payable for covered services

Costs, exclusions and limitations may vary, so talk with your Colonial Life benefits counselor to learn more.

Employers and HR representatives

Find out more about offering Colonial Life individual or group hospital indemnity insurance for your employees.

Commonly asked questions about hospital indemnity insurance

What is hospital indemnity insurance?

Hospital indemnity insurance is a voluntary benefit that helps cover out-of-pocket expenses related to hospital stays, outpatient surgery, inpatient services, emergency room trips, diagnostic tests and doctor's office visits.

If you experience a covered hospital stay or procedure, you can file a claim to begin receiving benefits paid directly to you (or your designee).

I already have Colonial Life hospital indemnity insurance. Where can I find a copy of my policy?

To view a copy of your policy, update your contact information and manage your Colonial Life insurance, log in to your account. If you don't have an account, register here.

How do I file a new claim or see the status of an existing claim?

To start the claims process or see the status of a claim you have already filed, log in to your account. Filing an eClaim and setting up direct deposit is the fastest way to receive benefits. Paper claims are also available. For more information on filing claims, visit our hospital/outpatient surgery claim page.

Can I keep my hospital indemnity coverage if I leave my job?

You may be able to keep your coverage depending on the policy you have. If you are able to take your policy with you, you will receive a Continuation of Coverage letter with instructions on next steps when your current employment ends. You will need to change your payment method to direct bill, which means you pay Colonial Life directly instead of paying through your employer. To learn more and begin this process, download the Conversion Request Form.


1. Agency for Healthcare Research and Quality Healthcare Cost and Utilization Project, Trends in Hospital Inpatient Stays in the United States, 2005-2014, 2017
2. Emily R. Adrion, “Out-of-Pocket Spending for Hospitalizations Among Nonelderly Adults,” JAMA Internal Medicine (June 27, 2016) [abstract]