Staying in the hospital after child delivery, an accident or an illness can be costly. Even quality medical plans can leave employees with extra expenses they didn’t count on. These can add up fast — and most Americans aren’t prepared.
Hospital visits can cost employees a lot of money — even if they have good medical coverage. Hospital Insurance can provide supplemental coverage to your major medical plan by offering a lump-sum benefit that helps employees pay these bills. It’s a valuable solution for recruiting talented people while keeping your costs in check.
Choose the plan design and benefit amounts that make sense for your employees. All plans include benefits for hospital admission.
HSA Compatible
Includes benefits for:
Non-HSA Compatible
Includes benefits for:
Appendectomy | C-section | Partial mastectomy | Cardiac stent |
---|---|---|---|
Cost $12,763 |
Cost $12,774 |
Cost $18,550 |
Cost $24,049 |
Deductible $2,000 |
Deductible $2,000 |
Deductible $2,000 |
Deductible $2,000 |
Co-insurance $2,152 |
Co-insurance $2,154 |
Co-insurance $3,310 |
Co-insurance $4,609 |
Total out-of-pocket $4,153 |
Total out-of-pocket $4,155 |
Total out-of-pocket $5,310 |
Total out-of-pocket $6,000 |
*For illustrative purposes only. Assuming a typical plan with a deductible of $2,000, co-insurance of 20%, and an out-of-pocket max of $6,000.
Our simple digital claims app streamlines administration for you while making it easy for employees to enroll, make claims and get support. Keep your workforce healthy, happy and productive with Hospital Insurance.
1. 66% of Americans fear they won’t be able to pay for health care (cnbc.com) 2021.
2. Benefits may be subject to a pre-existing condition.
3. Wellness benefit not available in all states.
4. Fortune, Fortune 100, 2021.
5. Unum internal data, 2021.
THIS POLICY PROVIDES LIMITED BENEFITS.
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.
The policies or their provisions may vary or be unavailable in some states. The policies have exclusions and limitations which may affect any benefits payable. See the actual policy or your Unum representative for specific provisions and details of availability. Applicable to policy forms GHI-1 and GHIP16-1. In New Jersey, applicable to policy form GHIP16-1-NJ. In New York, applicable to policy form GHIP16-1-NY.
This policy provides limited benefits health insurance only. It does NOT provide basic hospital, basic medical or major medical insurance as defined by the New York State Department of Financial Services.
Group Hospital Indemnity Insurance is underwritten by Unum Life Insurance Company of America, Portland, ME. In New York, underwritten by First Unum Life Insurance Company, Garden City, NY.
Group Hospital Insurance is underwritten by Unum Insurance Company, Portland, ME, In NJ and NY, underwritten by Provident Life and Casualty Insurance Company, Chattanooga, TN.