Hospital Indemnity Insurance
Hospital Insurance can pay benefits that help you with the costs of a covered hospital visit.
If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to add up. Hospital Indemnity Insurance pays benefits directly to you if you are admitted into a hospital for care or childbirth. Benefits are paid even if you have other coverage.
You receive a benefit as soon as you are admitted and then an additional benefit based on the number of days you are confined to the hospital. The benefit increases if you are admitted and confined to an intensive care unit or inpatient rehabilitation.
Plan Features
- Guaranteed Acceptance - There are no health questions or physical exams required.
- Family Coverage - Coverage options are available for your spouse and children.
- Payroll Deduction - Premiums are paid through convenient payroll deductions.
- Portable Coverage - You can take your policy with you if you change jobs or retire.
- Affordable Rates - You get affordable rates when you buy this coverage at work.
NOTE: You can contribute to a Health Savings Account if you elect Hospital Indemnity Insurance.
- The money is paid directly to you — not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.
- You get affordable rates when you buy this coverage at work.
- The cost is conveniently deducted from your paycheck.
- The benefits in this plan are compatible with a Health Savings Account (HSA).
- You may take the coverage with you if you leave the company or retire, without having to answer new health questions. You’ll be billed directly.
- You: If you're actively at work.
- You & your spouse: Can get coverage as long as you have purchased coverage for yourself.
- You & your children: Dependent children newborn until their 26th birthday, regardless of marital or student status
Employee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage
Please refer to the certificate for complete definitions about these covered conditions. Coverage may vary by state. See exclusions and limitations. This plan has a childbirth limitation. See disclosures for more information. If enrolling, and eligible for Medicare (age 65+; or disabled) the Guide to Health Insurance for People with Medicare is available here.
Your bi-weekly premium
Employee
- Bi-weekly Rates: $6.51
Employee + Spouse
- Bi-weekly Rates: $11.64
Employee + Children
- Bi-weekly Rates: $8.42
Employee + Family
- Bi-weekly Rates: $13.56
Important Note:
When you submit claim/leave on the Total Leave Employee Portal Unum will automatically search for additional coverage such as Accident, Critical Illness or Hospital that you may have. If coverage is found a claim will be set up for you.
Unum
Watch the videos below to learn more about the benefits of Hospital Indemnity Insurance!
The policy/certificate of coverage has exclusions and limitations which may affect any benefits payable. The policy/certificate of coverage or its provisions, as well as covered illnesses, may vary or be unavailable in some states for supplemental medical benefits.
This plan is not a replacement for medical insurance.
If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child.
If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.