What is Hospital Confinement insurance?

Hospital Confinement insurance provides cash when an employee is hospitalized. The payment can be used toward things like hospital costs, transportation, hotels, childcare, utilities or mortgage payments.

With multiple options available for Hospital Confinement Insurance, employers gain the flexibility to select the policy type that best matches the needs of their employees.

Who should consider it?

Employees are aware of how quickly hospital expenses can add up—making employer-paid Hospital Confinement insurance a welcome part of a benefits package. Employees will know that if they, their spouse or children ever face an extended stay in the hospital, Hospital Confinement coverage gives them a way to deal with the bills that can pile up, and avoid the financial burden from out-of-pocket medical expenses, or mounting household or childcare bills.

  • Key benefits

    Key benefits

    • Several levels of coverage for employers to choose from
    • Hospital admission or First Day Hospital Confinement benefit available
    • Daily hospitalization benefit available
    • Many HAS compatible and non-HAS compatible plan designs available. May include coverage for hospitalization, intensive care, surgery, anesthesia and specified injuries
    • Cash payments are provided directly to employee
    • Coverage may be portable
    • Coverage is available to eligible family members
  • Additional features

    Additional features

    Some Hospital Confinement insurance includes a wellness or health screening benefit that can be applied toward common wellness exams, such as a mammogram, chest X-ray or stress test.

  • Application process

    Application process

    For information or to request a proposal for a Hospital Confinement insurance policy underwritten by USAble Life or The Hartford, please contact your Mosaic Group representative. Some coverage levels can be offered on a Guaranteed Issue basis with minimum participation requirements.1

  1. Subject to underwriting.