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Employee-paid hospital confinement indemnity “Gap”

Hospital Confinement Indemnity GapGap insurance from Assurant Employee Benefits is designed to provide benefits that supplement existing major medical or comprehensive health insurance plans. The additional benefits can help cover out-of-pocket expenses related to coinsurance, copays and deductibles for inpatient and outpatient services.

A benefit that is easy to offer.

  • 100% employee-paid
  • Policies issued with a minimum of only 5* enrolled employees
  • No health questions for timely applicants
  • No exclusions for pre-existing conditions
  • Full enrollment support available
  • Flexible enrollment options

"The average cost of a one-day stay in the hospital is over $1,600."1

For a full description of the Gap policy limitations and exclusions, please view the brochure ( NJ, CA, IN, all other states). This coverage is not available in all states.

Note: This Hospital Confinement Indemnity “Gap” insurance policy provides limited benefits. This limited policy has some specific benefit limits and is not a medical insurance policy, a Medicare Supplement policy, or a high deductible health plan. Please refer to the issued insurance policy for complete details and all benefit requirements, including all limitations, exclusions, restrictions, and reductions. Contact Assurant Employee Benefits for costs and additional information.

*Some states require higher minimums.

1Kaiser State Health Facts for 2007; Health Costs & Budgets.