Group Hospital
Insurance
Enable your clients to cover the added costs employees face during a hospital stay.
Top 3 reasons to offer supplemental insurance products to your clients
Helps clients address coverage gaps
Expand your product offerings
Differentiate your business and strengthen client relationships
Key plan features
Guaranteed issue and HSA-compatible
No networks or coordination of benefits, so members can use their preferred providers
Maternity coverage with no waiting period(1)
No age reduction
Family coverage available
How Hospital Insurance works
A 55-year-old woman suffers a heart attack and is admitted to hospital and ICU.
Total Benefit Payout:
$5,600*
*Payout examples are for illustrative purposes only and are not guaranteed. Actual benefits may vary based on the plan selected and individual claim circumstances. Terms, conditions, limitations, and exclusions apply. Refer to the policy for complete details.
Seamless claims. Better member experience.
Deliver a better benefits experience with EssentialPay(2), BCS’s seamless claims integration approach. Members are automatically alerted when a qualifying claim is received, and claims can even be submitted on their behalf.
How benefits are paid
Benefits are paid directly to the insured. Payments can be used for medical copays and deductibles, as well as transportation, childcare, housekeeping help, or more.
Top questions about Group Hospital Insurance
Hospital Indemnity Insurance pays benefits when an insured employee is confined to a hospital, whether for planned or unplanned reasons, or for other medical services, depending on the policy. The plan provides payment for each day spent in the hospital, and for some other qualified expenses as well. That money can be used however the employee chooses whether for hospital bills or other costs that come up during recovery.
Group Hospital Indemnity Insurance is a simple way for clients to offset employees’ unexpected out-of-pocket costs associated with a covered hospital stay.
Hospital Indemnity Insurance may provide benefits for covered hospital stays and services such as hospital admissions, hospital confinement, ICU confinement, observation unit stays, rehabilitation care, mental health facility confinement, and substance abuse treatment facility confinement.
(1) Pre-existing condition limitations may still apply.
(2) EssentialPay: Not available across all product lines. EssentialPay is not a guarantee of claims payment. Claims will be reviewed for potential benefits and paid subject to the terms and conditions of the group policy documents. Additional medical records and proof of claim may be required.