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Financial Wellbeing

Hospital indemnity insurance

Why:

This insurance helps cover unexpected expenses while in the hospital. You will receive a cash benefit due to an injury, medical diagnosis or hospitalization to pay for medical expenses or income loss. Watch this video to learn more about hospital indemnity insurance.

Who:

Benefits-eligible employees.

When:

Purchase only during annual benefits enrollment (and when newly hired, newly eligible for benefits or have experienced a qualifying life event).

When you are hospitalized, hospital indemnity insurance helps pay out-of-pocket expenses and extra bills.

Image of a Doctor entering information on a tablet with a patient in the background

Hospital stays are usually unexpected and so are the everyday expenses that result from being in the hospital. You can prepare for unexpected bills with hospital indemnity insurance (PDF) from The Hartford. Cash benefits are provided for each day you or your covered dependent is in the hospital.

What can hospital indemnity benefits be used for?

  • Expenses your primary health insurance doesn’t cover, such as health insurance deductibles, copays and coinsurance
  • Nonmedical expenses like groceries, housekeeping or childcare
  • Meals, travel and lodging expenses for your family
  • Other expenses you choose

You can enroll in this coverage only during benefits enrollment or when you experience a qualifying life event.

2026 rates

Per-Paycheck Premiums*

Employee only

$11.81

Employee + spouse

$24.51

Employee + children

$22.80

Employee + family

$37.13

*Taken from 24 paychecks per year.

How to file a claim

File a claim for coverage after you or your covered dependents are hospitalized.

Online

  1. Visit TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Click on “Complete your claim form online” under the quick links section. Follow the prompts to complete.

By mail:

  1. Download a claim form at TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Print and complete the form, then mail it to: The Hartford Supplemental Insurance Benefit Department, P.O. Box 99906, Grapevine, TX 76099.

By fax:

  1. Download a claim form at TheHartford.com/Benefits/MyClaim.
  2. Register if you haven’t already done so.
  3. Print and complete the form, then fax it to 469-417-1952.

Need help filing your claim?

Call 866-547-4205.