Hospital Indemnity Insurance

Hospital Indemnity

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Hospital Indemnity

What Is Hospital Indemnity Insurance? 

Hospital Indemnity insurance (HI) provides cash benefits for each day an employee or a dependent is confined in a hospital for a covered illness or injury. Employees can use these benefits to help safeguard against expenses that medical insurance may not cover, like co-pays, deductibles or any other living expense that may arise. Designed to help employers fill the financial gaps left by most of today’s high-deductible health plans (HDHPs), Hospital Indemnity insurance can be a meaningful addition to any employee benefits offering.
Hospital Cash Benefits Overview

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Why Employees May Need Hospital Indemnity Insurance

Hospital Indemnity insurance provides employees with cost-efficient financial protection that helps them manage rising health care costs.
Often, Health Savings Accounts (HSA) simply aren’t enough to cover all expenses given how quickly medical bills can add up. Even for a one-day hospital stay, the average cost is $2,517.1 In fact, about a quarter of U.S. adults (26%) say they or a household member have had problems paying medical bills in the past year.2 That’s where our Hospital Indemnity insurance plan can help.

What Hospital Indemnity Insurance Covers3

As part of our base plan, our guaranteed issue4 Hospital Indemnity (HI) insurance provides a competitive range of first day confinement and daily confinement benefit amounts. We offer both HSA5 and non-HSA-compatible HI plan designs.
Optional benefits, like coverage for medical-related travel expenses or expenses incurred for family care (adults, children, or pets), are also available:
  • First Day ICU confinement (HSA-compatible)
  • Family Care Coverage (HSA-compatible): Travel, lodging, family or pet care
  • Other Medical Care Facility Coverage (non-HSA-compatible): Rehabilitation, hospice or inpatient mental health/substance use
  • Additional Care Coverage (non-HSA-compatible): Air/ground/water ambulance coverage or outpatient diagnostic exam(s)
  • Medical Professional Care Coverage (non-HSA-compatible): Outpatient therapy, urgent care or home health services

Behavioral Health and Substance Support Benefits

More than 40% of U.S. adults report struggling with mental health or substance use.6
While standard plans typically include limitations and exclusions for the treatment of mental health and substance use disorders, we’ve designed our benefits to focus on these specific conditions. Our Behavioral Health and Substance Support Benefits offer additional coverage beyond traditional confinement that helps provide financial and recovery assistance for mental health and substance use (drug and/or alcohol) treatment.
Here’s what’s eligible for coverage:3
  • Hospital Confinement
  • Hospital Observation/Short Stay
  • Mental and Nervous Disorder Facility Confinement
  • Substance Use Facility Confinement
  • Mental and Nervous Disorder Outpatient
  • Substance Use Outpatient
  • Medical Travel

Hospital Indemnity Insurance Is Flexible 

With our extensive, flexible coverage options, you can design a plan best suited for your employees by choosing from both HSA-compatible5 and non-HSA-compatible plans.
HI can be layered with other supplemental health benefits7 from The Hartford’s Employee Choice BenefitsSM suite, such as Beneficios por enfermedad crítica (CI) and Accidente (AI) insurance. There are no offsets applied to HI benefits. So, in the event of a covered illness or injury, the covered employee’s benefit can be maximized.
Other flexible features include:
  • Coverage for illness and injury, or coverage for illness only
  • 100% employee-paid, cost sharing and employer-paid funding options available
  • Multiple coverage configurations:
    • Four tiers (Employee only, Employee and Spouse, Employee and Child, Family)
    • Three tiers (Employee only, Employee and Dependent, Family)
    • Two tiers (Employee only, Family)
    • One tier (Employee only)
  • Optional riders, including Accidental Death and Dismemberment (AD&D), Critical Illness (CI), Term Life (TL) and Short-Term Care (STC)
  • Day-1 coverage, including Pregnancy with Pre-Existing Condition removal3
Get the facts about Hospital Indemnity plans from The Hartford’s Employee Choice Benefits.SM
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Claims Integration and Proactive Communications

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1 Kaiser Family Foundation, November 2020. Adjusted expenses per inpatient day include expenses incurred for both inpatient and outpatient care; inpatient days are adjusted higher to reflect an estimate of the volume of outpatient services:, viewed as of 12/1/2021.
2 Kaiser Family Foundation, Americans’ Challenges with Health Care Costs:, viewed as of 12/1/2021.
3 Optional benefit or plan design or rider and availability vary by state.
4 This policy is guaranteed issue but does contain a Pre-Existing Condition Limitation. Please refer to the certificate for more information on exclusions and limitations, such as Pre-Existing Conditions.
5 This plan design was designed to be compatible with Health Savings Accounts (HSAs). However, if you have or plan to open an HSA, please consult your tax and legal advisors to determine which supplemental benefits may be purchased by employees.
6 Centers for Disease Control and Prevention, August 14, 2020, M.É. Czeisler, R.I. Lane, E. Petrosky, et al,” Mental Health, Substance Use, and Suicidal Ideation During the COVID-19 Pandemic — United States, June 24–30, 2020,” Morbidity and Mortality Weekly Report, ”,” as viewed on 12/1/2021.
7 Supplemental Health products (Accident, Critical Illness and Hospital Indemnity) are independent and do not coordinate with any other health coverage.
8 Services are offered through vendors which are not affiliated with The Hartford and these services are not insurance. The Hartford is not responsible and assumes no liability for the goods and services described in this material and reserves the right to discontinue any of these services at any time. Services may vary and may not be available in all states. Visit for more information.
Hospital Income Plan Form Series includes GBD-2800, GBD-2900, or state equivalent.
THIS IS A HOSPITAL CONFINEMENT INDEMNITY POLICY. THE POLICY PROVIDES LIMITED BENEFITS. This limited benefit plan (1) does not constitute major medical coverage, and (2) does not satisfy the individual mandate of the Affordable Care Act (ACA) because the coverage does not meet the requirements of minimum essential coverage.
In New York: 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.
Review your policy or certificate for more information.
The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company under the brand name, The Hartford,® and is headquartered at One Hartford Plaza, Hartford, CT 06155. For additional details, please read The Hartford’s legal notice at Todos los beneficios están sujetos a los términos y condiciones de la póliza. Policies underwritten by the underwriting company listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued.