Hospital indemnity insurance

Hospital indemnity insurance helps offset costs from a hospital stay that may not be covered by a standard medical plan.

Like you, your employees need help with rising health care costs. As the job market becomes more competitive, it's important to provide your employees with a strong benefits package that can help with these rising costs.

Hospital confinement indemnity insurance provides a lump-sum benefit for a covered hospital stay or covered outpatient surgery. Designed to help offset the gaps caused by costs that aren't covered by most medical plans. It can also help you provide your employees a soft landing if you move to medical plans with higher out-of-pocket costs.

With hospital confinement indemnity insurance, your employees can have benefits to help cover:

  • Diagnostic tests
  • Doctor appointments
  • Emergency room fees and tests
  • Other covered hospital expenses

Consider offering this coverage and give your employees the help they need with high deductibles and co-pays — at no direct cost to you.


This coverage is a supplement to health insurance. It is not a substitute for essential health benefits or minimum essential coverage as defined in federal law. Insureds in some states must be covered by comprehensive health insurance before applying for this coverage.

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

This information is not intended to be a complete description of the insurance coverage available. The insurance or its provisions may vary or be unavailable in some states. This insurance has exclusions and limitations which may affect any benefits payable. For cost and complete details of coverage, call or write your benefits representative or the company.

Underwritten by The Paul Revere Life Insurance Company, Worcester, MA, and administered by Colonial Life & Accident Insurance Company.