Employee Benefits

Hospital Indemnity Insurance

Hospital and medical charges have risen significantly in the past few years. Most healthcare plans do not cover all the expenses when an individual becomes hospitalized. Unfortunately, most individuals need to rely on their savings to make up the difference. Chubb Accident & Health offers hospital indemnity benefits designed to help defray the expenses associated with a hospital stay.



Hospital Indemnity plans pay a lump sum daily benefit for each day an individual is confined in a hospital. Optional additional benefits are available for intensive care, skilled nursing care, or to help ease the recovery period after the stay ends.

Key Features:

  • Guaranteed acceptance regardless of current state of health
  • Benefits are payable directly to the individual
  • Benefits can be used in any way an individual chooses – to cover additional costs like deductibles, co-pays or other out-of-pocket expenses, or to cover household or childcare expenses while hospitalized
  • Benefits are payable in addition to any other insurance that may apply
  • Attractive additional benefits available:
    • Accidental Death & Dismemberment
    • Critical Illness benefit
    • Custodial Care Facility benefit
    • Emergency Care benefit
    • Home Health Care benefit
    • Hospice Care benefit
    • Intensive Care benefit
    • Outpatient Surgical benefit
    • Post-hospital Recovery benefit
    • Skilled Nursing Care Facility benefit 

Client Profile

Medium to large employer groups who have 10 or more employees with high deductible healthcare plans. 

The Chubb Advantage

  • Innovation: Our entrepreneurial business philosophy and expert industry knowledge allow us to remain flexible in finding the right solution for our clients.
  • Global Protection: The Chubb global network can satisfy the insurance needs of companies operating worldwide.
  • Financial Strength: Consistently high ratings from A.M. Best and Standard & Poor’s are an indication that we are financially strong and able to meet our obligations to our customers.
  • Superior Solutions: We are dedicated, solutions-oriented professionals able to provide quick responses and expert handling of customer needs.