Hospital Indemnity Protection Plans

Hospital stays are costly.
The average cost, including ambulance transportation, is about $11,000.1

Help protect your employees from costly hospital expenses.

Many employees are not prepared for high, unexpected costs. In fact, almost two in three U.S. workers say they have less than $1,000 on hand to pay the out-of-pocket expenses of an unexpected, serious illness or emergency.2

Offer the Hospital Indemnity Protection Plan.

Our Hospital Indemnity Protection Plan is insurance that pays a lump-sum benefit directly to a covered employee after a hospital stay and related expenses. The amount of the benefit is based on the covered expenses and treatments covered by the employee’s plan.

Any payment the plan makes is in addition to the benefits your employees receive from their health plan. The employee can use the money to help pay their health plan deductible, prescription costs or for other expenses like their mortgage or rent payments, groceries and more. 

Supplement your health plan.

While a health plan is essential, it may only go so far. Plus, millions of employees are now in high-deductible health plans, making them more susceptible to high out-of-pocket costs.3   Adding the Hospital Indemnity Protection Plan gives you and your employees added relief from the financial burden and stress. 

How it works: Matt’s example

Matt suffers head and shoulder injuries in an accident and is taken by ambulance to the hospital emergency room, which is some distance from his home. His wife joins him at the hospital.

Matt's employer offers Hospital Indemnity.

Matt signed up for the Base + Enhanced plan for additional benefits.

Matt’s hospital-related costs added up to $12,000+.

Matt’s health plan helped. But he still had his deductible to pay and other out-of-pocket costs. He also faced lost wages. He submitted a Hospital Indemnity claim.

Matt received a $3,550 check.   

After Matt’s claim was verified and processed, he received a welcome check. He could use the money any way he wanted. 

This is insurance that pays benefits directly to the member after a hospital stay and related expenses. The following is a summary of the plan options available. 

Base Plan benefits:

  • Hospital admission
  • Hospital confinement
  • Intensive care unit (ICU) confinement

Base + Enhanced Plan benefits:

  • Hospital admission
  • Hospital confinement
  • Intensive care unit (ICU) admission
  • Intensive care unit (ICU) confinement
  • Emergency room
  • Lodging
  • Transportation

Optional benefits are also available.

Eligibility and plan features may vary by state and group size.

Group size

  • 51 or more eligible employees.



  • Fully paid by the employer
  • 100 percent participation of eligible employees required.


  • Fully paid by the employee
  • 20 percent participation of eligible employees required (51 to 2,999 employees).
  • 10 percent participation of eligible employees required (3,000+ employees).

Base / Buy-up

  • Employer pays 100 percent of Base plan; Employee pays 100 percent of Buy-up plan.
  • 100 percent participation of eligible employees required on Base plan.
  • 20 percent participation of eligible employees required on Buy-up plan (51 to 2,999 employees).
  • 10 percent participation of eligible employees required on Buy-up plan (3,000+ employees).


  • Must be actively at work a minimum of 20 hours per week.

Pre-existing condition exclusion.

  • 12/12 standard.
  • Other options available with underwriting approval.


  • Coverage portable at employer’s group rates for first 12 months.
  • See Certificate of Coverage for additional information.

Rating basis.

  • Guaranteed issue.
  • Composite rates.
  • Four coverage levels:
    • Employee
    • Employee + spouse
    • Employee + child
    • Employee + spouse + child

Rate guarantee.

  • Three years (3,000+ employees).
  • Two years (51 to 2,999 employees).

Optional riders.

  • Wellness rider: Provides $50 benefit per calendar year to employee and an insured spouse for designated health screening tests.

Customers may select other wellness coverage options.

It's easy to add Hospital Indemnity to your UnitedHealthcare health plan to:

  • See savings. You may qualify for significant savings by bundling your plans. You may also save time with more efficiency.
  • Enjoy simplicity. Get one account team, administration process and website, customer service line and more.
  • Inspire healthier. Bridge2Health®* uses health plan and specialty plan data to identify and empower your employees with support and resources that can help them make informed decisions and take control of their health. Learn more.

*To be eligible for Bridge2Health, employers must have 51+ eligible employees and have both a UnitedHealthcare health plan and a UnitedHealthcare Hospital Indemnity Protection Plan. 

UnitedHealthcare Hospital Indemnity product is provided by UnitedHealthcare Insurance Company on policy forms UHIHIP-POL-TX, et al. and UHIHIP-CERT-TX, et al. in Texas and UHIHIP-POL-VA, et al. and UHIHIP-CERT-VA, et al. in Virginia. The product provides a limited benefit for certain hospital indemnity plan benefits. Please note: HOSPITAL INDEMNITY coverage is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the mandate to have health insurance coverage. Failure to have other health insurance coverage may be subject to a tax penalty. Please consult a tax advisor. The policy has exclusions, limitations, reductions of benefits, and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call or write your insurance agent or the company. This product is not available in all states.

1 Agency for Healthcare Research and Quality, Trends and Projections in Inpatient Hospital Costs and Utilization, 2003-2013.

2 Weschler, Pat. “63% of Americans Can’t Cover Unexpected Expenses.” Fortune. 63% of Americans Can’t Cover Unexpected Expenses. Time Inc., 06 Jan. 2016. Web.

3 “2015 Census of Health Savings Account - High Deductible Health Plans.” 2015 Census of Health Savings Account - High Deductible Health Plans. America’s Health Insurance Plans, Nov. 2015. Web.