Employee Benefits

Hospital Indemnity Insurance

Most healthcare plans do not cover all the expenses when an individual becomes hospitalized. Chubb Accident & Health offers hospital indemnity insurance benefits designed to help defray the expenses associated with a hospital stay.

Hospital Indemnity Insurance Coverage Highlights

Hospital indemnity insurance coverage pays a lump sum daily benefit for each day an individual is confined in a hospital. 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 

Hospital Indemnity Insurance 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.