Hospital Indemnity Protection Plan Example

How it works: Matt’s example*

Example: Matt suffers head and shoulder injuries in an accident and is taken by ambulance to the hospital emergency room, which is some distance from his home. His wife joins him at the hospital.

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Matt's Example
Timeline Matt Is: Benefit
Day 1 Admitted to ICU for head trauma Hospital and ICU admission
Days 2 & 3
Confined to ICU Hospital and ICU confinement
Days 4 & 5 Moved to hospital room, has shoulder surgery, then released Hospital confinement benefit

Matt's hospital indemnity coverage provides the following benefits:

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Benefits covered by Hospital Indemnity Protection Plan  

Base Plan Base + Enhanced Plan
ICU confinement (Days 2 & 3)
$300 $300
Hospital admission (Day 1)
$1,000 $1,000
Hospital confinement (Days 2-5) $600 $600
ICU admission (Day 1)    $1,000
Transportation (spouse) (Day 1)   $200
Lodging (spouse)   $450
Total benefit paid to Matt $1,900 $3,550

Bridge2Health: Integrated Hospital Indemnity

Our Bridge2Health Integrated Hospital Indemnity program is automatically available to employees with UnitedHealthcare medical and hospital indemnity coverage. UnitedHealthcare medical case managers contact members to help them access resources and information when they need it most.

  • On-site staff nurses and physician consult with claims representatives
  • Claims management staff has an average of 15 years of group claims experience

*Illustrative only. Benefit amounts may vary by state. Example reflects Plan Option B. Amounts may differ depending on the plan option(s) chosen.