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Hospital Indemnity Insurance

Hospital Indemnity insurance, also called Hospitalization insurance or Hospital insurance, is a plan that pays you benefits when you are confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy.

UnitedHealthcare Hospital insurance plans, underwritten by Golden Rule Insurance Company, can help you fill gaps in your medical coverage by providing cash to help cover deductibles, pharmacy prescriptions and other non-covered expenses that may arise from hospital stays and services.


Why Hospital Insurance?

Hospital stays can strain even the healthiest of budgets. And in many cases, you can’t ignore the care you need even if it pushes you financially. Hospital Indemnity insurance plans provide payment for each day spent in the hospital, and for some other qualified expenses as well. That’s money you can use as you choose, whether for hospital bills or those other costs that come up while you’re recovering.


What Are the Benefits of Hospital Indemnity Insurance?

Hospital insurance can benefit you and your family in many ways...


Benefits are yours to use how you wish


No networks – benefits are the same regardless of network or provider


You don’t face any deductibles to receive benefits


It’s possible to get coverage for the entire family


Coverage is renewable until age 65

Nearly 34 million patients

are admitted to the hospital each year.F60 If you needed to stay in a hospital, would your finances be affected?


Hospital SafeGuard

Our basic Hospital SafeGuard plan pays a fixed amount per day for hospital confinements, up to the calendar-year maximum.

Important: While Hospital SafeGuard plans have no network limitations, you may need to stay with certain networks and providers to get the most coverage out of your major medical plan. Be sure to take that into consideration.


How Simple Is It to Use Hospital Indemnity Insurance?


With Hospital SafeGuard, it's very simple. After you receive care for a qualified medical service, simply complete a claim form and submit it with copies of your receipts. That’s it. Then you’ll receive a check for the fixed amount specified by your plan for that service (within your calendar-year maximum).


Receive care for qualified
medical service


Submit a
claim form


a check

Note: This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

Protect your finances from hospital stays – even expected visits – with Hospital SafeGuard Insurance from UnitedHealthcare.