Help Employees Handle Unexpected Hospital Costs
A hospital visit can quickly become a financial burden—even for employees with good health insurance. Between deductibles, co-pays, non-covered services, and missed time from work, the out-of-pocket costs add up fast. Group hospital indemnity insurance provides a financial safety net by paying cash benefits when an employee is admitted to the hospital or undergoes certain treatments. Whether it’s a planned surgery, a sudden illness, or an accident, this benefit helps ease the financial strain so employees can focus on healing. We work with businesses throughout Southern Illinois to offer hospital indemnity coverage that fits seamlessly into their benefits package and budget.
Why Offer Hospital Indemnity Coverage?
Even the best health plans don’t cover everything. Hospital indemnity insurance steps in to provide direct cash payments when your employees face hospitalization. These benefits can be used however the employee sees fit—whether it’s to help cover a high deductible, pay for travel to a specialist, handle lost income, or cover childcare while they recover. Some plans even offer coverage for outpatient procedures and maternity stays. By offering hospital indemnity insurance, you’re giving your team peace of mind and financial flexibility without increasing your primary health plan costs. It’s a small investment that can make a big difference in times of medical uncertainty.
Simple Protection for the Unexpected
These plans are easy to understand and offer fixed benefits for specific hospital-related events. Employees can use the money however they need to get back on their feet.
How It Works
Fixed Daily Benefits
Employees receive a set cash amount for each day spent in the hospital, regardless of medical bills or services received.
Pays Beyond Health Insurance
This coverage is designed to help with everyday expenses not covered by standard health insurance, such as transportation or missed income.
No Network Restrictions
Employees can seek care at any hospital. The benefit isn’t tied to network providers or billing systems.
Hospital Indemnity FAQs
Who is eligible for hospital indemnity coverage?
Most full-time employees are eligible, and many plans allow family members to be added as well.
Does this replace health insurance?
No, it’s a supplemental benefit that provides cash support in addition to health insurance.
Who qualifies?
Some plans may include a short waiting period before benefits are active. We’ll review plan options with you.
Are the benefits taxed?
Generally, benefits paid directly to employees are not taxable, but we can review tax implications with your accountant.