Hospital Insurance

Hospitalization Insurance

What is Hospitalization Insurance?

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, 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

When should you consider Hospitalization 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.

On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:

  • You don’t have to meet a deductible to receive your benefits

  • No networks - payment amounts are the same regardless of whether you are in-network or out-of-network

  • Benefit payments are yours to use as you decide

  • Coverage is available for the entire family

  • Coverage is renewable until age 65

Types of Hospitalization Insurance

UnitedHealthcare offers two Hospital Insurance plans for you to choose from, Hospital Guard GI and Hospital SafeGuard GI.

Hospital Guard GI:

  • Pays a fixed amount per day for hospital confinements up to the calendar-year maximum.

Hospital SafeGuard GI:
Pays a fixed amount per day for hospital confinements and other qualified medical services up to the calendar-year maximum like:

  • Emergency Room

  • Urgent Care Center

  • Inpatient/Outpatient Surgery

  • Air/Ground Ambulance

  • Anesthesia Services

How do UnitedHealthcare hospital indemnity insurance plans work?

Simply complete a claim form and submit it with attached copies of your receipts for any covered items (see the plan you choose for details). You are then issued a check you can use as you see fit. Benefits are paid in a lump sum directly to you, and amounts are fixed and determined by your policy, regardless of the amount of expenses incurred.

Hospital and Doctor Insurance

Hospital Safeguard Fixed Indemnity Insurance

Hospital and doctor fixed indemnity insurance is also often called fixed-benefit insurance or fee for service insurance. That’s because this type of insurance pays you a set—that is, fixed—amount of money for specific services covered by the plan.

With a Hospital Safeguard indemnity plan:

  • You are paid regardless of other insurance coverage.

  • You don’t have to meet a deductible before you receive benefits.

  • Your fixed benefits are paid straight to your provider or to you after a covered expense is submitted.

  • You choose the doctor or health facility you need.

  • You can apply year round, not just during an enrollment period or because of special circumstances.


UHC Hospitalization Insurance

From: $11
  • Lump-sum cash benefit paid directly to you: Up to $2,000 per day
  • No deductible to receive your benefits
  • No networks - freedom to choose your provider
  • Benefit payments are yours to use as you decide
  • Coverage is available for the entire family
  • Coverage is renewable until age 65

UHC Hospital & Doctor Insurance

From: $60
  • Lump-sum cash benefit paid directly to you: Up to $5,000 per day
  • Apply benefit payments toward your other health plan's deductible
  • Get cash to help meet prescription drug copays
  • Help pay your share of lab or diagnostic costs, like for blood tests or X-rays
  • Have money for those unforeseen expenses surrounding a planned or an unplanned surgery
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