Hospitalization insurance

The cost of medical care, especially hospital stays, can quickly add up. Hospitalization insurance, also sometimes called Hospital Insurance or Hospital Indemnity, can help you prepare your budget for unexpected medical costs resulting from a hospital stay. That’s why UnitedHealthcare offers Hospital SafeGuard, underwritten by Golden Rule Insurance Company.

View plans by state

Enter your ZIP code to see available plans in your area.

Questions? Call 1-844-744-4338

Why should I purchase hospital insurance?

On top of helping you prepare your budget for the expenses surrounding hospital stays, Hospital Indemnity Insurance has the following benefits:

  • You don’t have to meet a deductible to receive your benefits
  • No networks - payment amounts are the same regardless of whether you are in-network1 or out-of-network
  • Benefit payments are yours to use as you decide
  • Coverage is available for the entire family
  • Coverage is renewable until age 65

Hospital SafeGuard

Pays a fixed amount per day for hospital confinements up to the calendar-year maximum.

View brochure

Select your state from the menu to read more about plans available where you live.

How do UnitedHealthcare hospital indemnity insurance plans work?

Simply complete a claim form and submit it with attached copies of your receipts for any covered items (see the plan you choose for details). You are then issued a check2  you can use as you see fit. Benefits are paid in a lump sum directly to you, and amounts are fixed and determined by your policy, regardless of the amount of expenses incurred.

  1. Submit a claim form with receipts
  2. Receive a check to use as you see fit

Consider Hospital SafeGuard

So, consider using Hospital SafeGuard to help you keep your budget healthy even during those times when you unexpectedly aren’t.

Hospital indemnity is not ACA minimum essential coverage

This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.3

Need help finding a plan?

Answer a few questions to see which insurance options may be available for you.