How Does it Work?

Unum’s Hospital Indemnity Insurance helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you’re admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you – not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses your medical plan may not cover, such as coinsurance, copays and deductibles.

  • $1,250 for each covered hospital admission – 1 per year
  • $1,250 for each covered ICU admission – 1 day per year
  • $100 for each standard daily hospital stay – up to 365 days per year
  • $100 for each ICU daily – Up to 30 days per year
  • $500 one-time payment for air ambulance
  • $100 one-time payment for ground ambulance

  • You – if you’re actively at work
  • Your spouse
  • Your children – Dependent children until their 26th birthday, regardless of marital or student status

Employee must purchase coverage for themselves in order to purchase spouse or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Spouses and dependent children must reside in the United States to receive coverage. Certain states may have limitations.

Hospital Indemnity Monthly Employee Contributions

Hospital Indemnity
Employee$11.30
Employee + spouse $26.27
Employee + child(ren)$16.33
Family$31.30

Employees enrolled in the CDHP plans receive Hospital Indemnity Insurance automatically at no cost.

Unum offers a yearly Be well Benefit to each covered person, in which you will receive $50 when you get an eligible screening. These screenings include but are not limited to: Cholesterol and Diabetes screenings, Cancer screenings, Cardiovascular function screenings, Annual Examinations by a physician, among others. Please visit unum.com to find the Be well claim form.

CDHP Employer Paid Hospital Highlight

2024 Employee Paid Hospital Indemnity Highlight

Unum

Ready to enroll?

Visit Workday, our enrollment site, to learn more and enroll in your benefits.