Hospital Confinement Indemnity

Health insurance costs are rising. Your premiums are rising. And unfortunately,when it comes to their health insurance, you now must offer your employees options that usually provide less value for the money.

Employers need an affordable solution to protect employees, stay competitive in attracting and retaining quality workers, and remain profitable. Employees need more benefits choices than ever before. Colonial Life's Hospital Confinement Indemnity products can provide your employees the benefits they need without hurting your organization's bottom line. And if you have or are considering a Health Savings Account (HSA) Colonial Life has plans that are HSA-compliant which can help you and your employees stretch benefit dollars, at no direct cost to you.

You can't stop medical costs from rising. You can't prevent gaps in coverage from occurring. You can help employees manage those costs and cover those gaps by providing them with additional protection to help them in the areas where they need it the most.

See one of Colonial Life's benefits guys for more details.

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I'm an Employee.
What does this mean for me?

Colonial Life's Hospital Confinement Indemnity Insurance helps fill the gaps when you have unexpected health care expenses.

Benefits are paid directly to you unless you specify otherwise.
Benefits are paid regardless of any other insurance you may have with other insurance companies.
Coverage is portable. You can take it with you if you change jobs or leave your employer.
Coverage is guaranteed renewable as long as premiums are paid when they are due.
Coverage is available for you, your spouse, and your family.

Don’t have Colonial Life? Take this to your boss.

Important information about this product.

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Hospital confinement indemnity insurance – our "medical gap" products – can help ease the pain of health care costs for your clients. And with our Quote Tool, you can illustrate to your clients exactly how much they can save using their actual major medical premiums.

Imagine showing clients how to save $20,000 on their health plan AND enabling their employees to cover their deductible. Would that make you a hero in their eyes? In addition, several of our hospital confinement indemnity plans are considered permitted coverage under a Health Savings Account, providing solutions for your clients who are moving to high-deductible health plans.

This coverage may not be available in all states; product benefits vary by state. Policies have exclusions and limitations that may affect benefits payable.

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