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Why Hospital Indemnity?

The average hospital stay is 4.5 days, and the average hospital bill is $11,259.*

With medical costs rising, Assurity can help cover expenses by paying benefits starting at admission for each day of hospital confinement — reducing out-of-pocket costs related to unexpected hospital expenses.

Employers can choose between lump-sum and daily benefit options. Employees can use benefit payments to cover medical expenses, supplement lost income, or to pay for groceries, bills or whatever they want.

About Group Hospital Indemnity

In addition to our Group Hospital Indemnity plans, Assurity's featured plan options include a Basic Care option with provides coverage beyond hospital confinement, a Prime Benefits option with an increased admission benefit and a Sickness Only option.

Advantages of Hospital Indemnity Insurance

  • Helps cover out-of-pocket expenses associated with a hospital stay
  • Benefits paid directly to insured person
  • No deductibles or copays

  • No networks - see any doctor
  • Guaranteed issue - no medical exams or tests to qualify
  • Flexible plans can fit into a variety of budgets

How it works

An employee is admitted to the hospital for a covered illness or injury.

They're released from the hospital and submit a claim to Assurity.

Based on the insured person’s selected benefits, Assurity sends them a check.

Get in touch

To learn more contact your Regional Sales Team

*Agency for Healthcare Research and Quality (AHRQ). Healthcare Cost and Utilization Project (HCUP), National (Nationwide) Inpatient Samples (NIS) 2006-2015 (all available data as of 11/20/2017)


Group Hospital Indemnity insurance provides limited benefit coverage, is not a substitute for major medical insurance, and may not be appropriate for Medicaid recipients. It is not comprehensive major medical insurance and does not satisfy the requirement for minimum essential coverage under the Affordable Care Act (ACA). It may contain reductions of benefits, limitations and exclusions. The description of benefits is intended only to highlight the insured employee’s benefits and should not be relied upon to fully determine coverage. If this description conflicts in any way with the terms of the policy/certificate, the terms of the policy/certificate prevail. For complete benefits descriptions and conditions, see the policy/certificate.

Policy/Certificate Form Nos. G H1730/G H1730C, G H1731/G H1731C and Certificate Rider Form Nos. R G1732C Critical Illness Certificate Rider; R G1733C Drug and Alcohol Rehabilitation Certificate Rider; R G1734C Extended Care Certificate Rider; R G1735C Genetic Screening Test Certificate Rider; R G1736C Hospital Indemnity Care Certificate Rider; R G1737C Mental and Nervous Disorder Certificate Rider; R G1738C Outpatient Accident Certificate Rider; R G1739C Outpatient Sickness Certificate Rider; R G1740C Preventive Care Certificate Rider; R G1741C Supportive Care Certificate Rider; R G1742C Surgical Certificate Rider and R G1743C Waiver of Premium Certificate Rider underwritten by Assurity Life Insurance Company, Lincoln, NE.

Circular 230 Disclosure: Any U.S. tax information contained in this communication is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code, or (ii) promoting, marketing or recommending to another party any matters addressed herein.

Assurity is a marketing name for the mutual holding company Assurity Group, Inc. and its subsidiaries. Those subsidiaries include but are not limited to: Assurity Life Insurance Company and Assurity Life Insurance Company of New York. Insurance products and services are offered by Assurity Life Insurance Company in all states except New York. In New York, insurance products and services are offered by Assurity Life Insurance Company of New York, Albany, NY. Product availability, features and rates may vary by state.