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Group Hospital Indemnity Insurance

Medical plans may have gaps that leave individuals at risk for financial burden if they are hospitalized unexpectedly.


Group hospital indemnity insurance covers a range of unexpected hospital expenses, and pays benefits directly to the employee. Hospital indemnity insurance coverage is tailored based on the benefits of health plans your company offers.

Offer more, just in case.

Benefits of Group Hospital Indemnity Insurance

Direct Payments

Policy benefits are paid directly to the insured employee, regardless of any other existing coverage.

Broad Coverage

Benefits cover non-work-related hospital expenses including admission, intensive care, and emergency room visits.

Coverage Details

Policy Highlights

Covers a wide range of hospital-related expenses associated with nonoccupational injuries or sickness
Benefits are paid directly to insured, regardless of other medical coverage
Meets a range of coverage and income levels
Compatible with Health Savings Accounts (HSA)
Easy, auto-payroll deduction of premiums


Ages 18-69 for employees who work at least 30 hours per week (or as defined by the employer*) and their dependent spouses
Child dependents under the age of 19, or up to age 23 if they are full-time students


*Hours and age requirements may vary by state 

Fill Gaps in Health Coverage

Learn about convenient, cost-effective solutions to cover unexpected hospitalization costs due to illness or injury.

AIG’s Group Benefits Experts Are Here to Help

Contact us today for more information about offering cost-effective, customizable hospitalization coverage to your employees.

Policies issued by American General Life Insurance Company (AGL). Issuing insurance company AGL is responsible for the financial obligations of insurance products it issues and is a member of American International Group, Inc. (AIG).

Policy # N20000. Products may not be available in all states and product features may vary by state. Please refer to your contract.

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