Hospital indemnity insurance

Hospital indemnity insurance helps offset costs not covered by most major medical plans.

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 confinement or covered outpatient surgery. It's designed to help offset the gaps caused by costs that aren’t covered by most major 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.

In 2014, one in five patients admitted to the hospital through the emergency room were likely surprised by the medical bills they received.1

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.

HOSPITAL INDEMNITY INSURANCE PROVIDES LIMITED BENEFITS.

1. Christopher Garmon and Benjamin Chartock, Health Affairs, One In Five Inpatient Emergency Department Cases May Lead to Surprise Bills, Jan. 2017.

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