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Group Hospital Indemnity Insurance

83% of covered workers have an average deductible of $1,478

As workers struggle to manage rising healthcare costs, USAble Life Hospital Indemnity insurance provides a strong complement to your employees’ medical coverage to reduce the financial strain of a hospital stay. Coverage is available to the entire family, and benefits are portable if the employee’s employment ends. Cash benefits are paid directly to the covered employee and can be used for a variety of expenses such as copays, deductibles, treatment, travel, and child care.

Flexible Plan Options

Multiple plan options with varying levels of coverage for illness or injuries, including benefits for:

  • Hospital admission* Hospital confinement
  • ICU confinement
  • Ambulance
  • Surgery
  • Wellness
  • And more

Guaranteed Issue

Enrollment with no health assessment available for most plans*

Simple Administration

Supported by AccessAble, used by 10,000 brokers and group administrators

Features include:

  • Broker access to support client enrollments
  • Optional employee self-enrollment
  • AutoPay and online bill payment
  • Instant quoting of voluntary benefits
  • Online Evidence of Insurability
  • Real-time employee updates

How it works

An Employee purchases a USAble Life Hospital Indemnity Plan and later suffers an illness that requires an ambulance transport and a two-week hospital stay with five days in intensive care. In addition to what major medical insurance pays, USAble Life’s Hospital Indemnity Plan pays:

  • $750 for a heart attack diagnosis (initial payout)
  • $1,125 for five days in intensive care
  • $1,350 for nine days of hospital confinement
  • $120 for ambulance transportation

$3,345 in total cash benefits paid

Combine USAble Life Accident, Critical Illness, and Hospital Indemnity Insurance to offer more competitive benefits that maximize the value of your employee health coverage.


*requires minimum participation

This is a brief description of USAble Life’s Hospital Indemnity plan coverage for employer groups. This is not an insurance policy. Limitations and exclusions may apply. Some benefits and options are not available in all states. For cost and complete details of the coverage, call or write your insurance agent or USAble Life.