The Hidden Costs of Hospital Stays
When employees require hospitalization, the financial burden extends far beyond medical bills. Even with comprehensive health insurance, significant out-of-pocket expenses and income loss can create financial stress that impacts recovery.
- High deductibles and coinsurance with major medical plans
- Out-of-network providers and facility fees
- Lost wages during hospitalization and recovery
- Prescription medications not fully covered by insurance
- Transportation and lodging for family members
- Childcare and household expenses during recovery
These unexpected costs can derail financial stability and create stress that hinders the healing process and return to work.
Financial Protection During Hospitalization
Group Hospital Insurance provides direct cash benefits to employees when hospitalized, helping cover out-of-pocket expenses and providing financial support during recovery.
Hospital Confinement Benefits
Daily cash payments for each day of hospital confinement, regardless of other insurance.
Surgical Procedure Benefits
Scheduled cash benefits for hundreds of common surgical procedures.
Admission & ICU Benefits
Lump-sum payments for hospital admission and intensive care unit stays.
Recovery Benefits
Extended benefits for recovery at home following hospital discharge.
Comprehensive Hospital Coverage
Financial protection for various aspects of hospitalization
Hospital Confinement
Daily cash benefits for each day of hospital inpatient stay.
- Daily benefit for hospital confinement
- Benefit periods from 30 to 365 days
- No reduction for weekends or holidays
- Mental health confinement included
- Rehabilitation facility coverage
Surgical Procedures
Scheduled benefits for hundreds of common surgical procedures.
- Scheduled surgical benefits
- Anesthesia benefits
- Outpatient surgery coverage
- Second surgical opinion benefit
- Emergency accident surgery
Additional Benefits
Financial protection for the most serious accident outcomes.
- ICU admission benefit
- Ambulance service benefit
- Diagnostic testing benefit
- Blood and plasma benefit
- Organ transplant benefit
The All Assured Advantage for Group Hospital Insurance
Our Group Hospital Insurance comes with the All Assured Advantage – specialized features and services that provide comprehensive protection and support during hospitalization.
- Flexible Benefit Levels: Customizable daily benefit amounts to match your workforce needs
- Voluntary or Employer-Paid: Options for employer contribution or 100% employee-paid coverage
- Guaranteed Issue: Simplified underwriting with no medical exams for eligible groups
- Portable Coverage: Employees can continue coverage if they leave the company
- Wellness Incentives: Premium discounts for participation in health risk assessments
Comprehensive Hospital Services Coverage
Our Group Hospital Insurance provides benefits for a wide range of hospital services and situations, giving employees financial support when they need it most.
- Inpatient Hospital Stays: Daily benefits for medical/surgical, mental health, and substance abuse confinement
- Surgical Procedures: Scheduled benefits for hundreds of common and complex surgeries
- Intensive Care: Enhanced daily benefits for ICU confinement
- Emergency Services: Benefits for emergency room visits resulting in hospitalization
- Diagnostic Testing: Coverage for MRI, CT scans, and other diagnostic procedures
- Maternity Care: Benefits for childbirth and related complications
- Rehabilitation: Coverage for inpatient rehabilitation following illness or injury
- Skilled Nursing: Benefits for skilled nursing facility care following hospitalization
How Group Hospital Insurance Works
Simple enrollment and straightforward claims process
Employer Selection
Employer selects coverage options, benefit levels, and contribution strategy.
Employee Enrollment
Employees enroll during open enrollment with guaranteed issue underwriting.
Hospitalization Occurs
Employee is hospitalized for a covered condition and receives treatment.
Claim Submission
Employee submits simple claim form with hospital documentation.
Benefit Payment
Claim is processed and cash benefits are paid directly to employee.
Protect Your Employees with Comprehensive Hospital Coverage
Provide valuable financial protection that shows your employees you care about their well-being during hospitalization and recovery.