Hospital Indemnity Insurance

Hospital Indemnity Insurance


An unplanned hospital stay can really put a damper on your family fun. But you’ve done your homework. And you know that having Hospital Indemnity insurance can keep that from happening. Sure, your health insurance will help cover medical treatments and some of your hospital stay. But what about the rest? That’s where Hospital Indemnity insurance can help.


Tell me more

With Hospital Indemnity insurance, you receive cash benefits for covered hospital stays and expenses. The money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Getting coverage is easy and affordable with:

  • Easy payroll deduction of premiums (that’ll never increase due to your age)
  • Benefits available for your spouse and/or dependent child(ren)
  • Direct payments to you or your beneficiary
  • Coverage portability, if you change jobs you can take coverage with you
  • Benefits pay for hospital care, and could include:
    • First day stay (hospital admission)
    • Additional days in the hospital
    • Days spent in the Intensive Care Unit (ICU)


Who is eligible?

  • You are eligible for this insurance if you are an active full-time employee who works at least 20 hours per week on a regularly scheduled basis.
  • Your spouse and child(ren) are also eligible for coverage. Any child(ren) must be under age 26.


Can I insure my domestic or civil union partner?

  • Yes. Any reference to “spouse” includes your domestic partner, civil union partner or equivalent, as recognized and allowed by applicable law.

Add Hospital Indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

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How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    The Hartford is a leader in property and casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence, sustainability practices, trust and integrity.
  • What is Hospital Indemnity insurance?

    Hospital Indemnity insurance provides a cash benefit in the event of an unexpected hospital stay for a covered illness and/or injury. You and your covered dependents are paid a set benefit amount, depending on your plan and the length of your stay.


    You never know when you’ll need extra support. That’s why The Hartford partners with your employer to offer you voluntary benefits – what we call “voluntary insurance coverages.” You can use the payment in any way you choose – from medical expenses like deductibles, to every day costs, like housekeeping and child care.

  • Why do I need it?

    Hospital Indemnity insurance provides:

    • Assistance to help cover the costs incurred by a hospital stay.
    • Help with additional expenses attached to time away from home, like meals, travel and lodging for loved ones.
    • Peace of mind to focus to focus on what’s most important – getting better.
  • Am I guaranteed coverage?

    This insurance is guaranteed issue coverage – it is available without having to provide information about your or your family’s health. All you have to do is elect the coverage to become insured.
  • When can I enroll?

    You may enroll during any scheduled enrollment period, or within 31 days of the date you have a change in family status.
  • When does this insurance begin?

    Insurance will become effective in accordance with the terms of the certificate (usually the first day of the month following the date you elect coverage).

The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including underwriting company Hartford Life and Accident Insurance Company. Home Office is Hartford, CT. All benefits are subject to the terms and conditions of the policy. 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. © 2021 The Hartford.


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.


Hospital Indemnity Form Series includes GBD-2800, GBD-2900, or state equivalent. Policy number [681987].


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Learn More

To learn more, visit the links and download the educational PDFs provided. These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Hospital Indemnity 2023 Plan Highlights
Hospital Indemnity Insurance Flyer
Premium Sheet
How to File a Claim
Portability Form
LifeLime Financial Wellness Blog
Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.