Hospital Indemnity Insurance

Pacific Life Hospital Indemnity Insurance helps give employees added financial security for hospital stays and related expenses.

Why Hospital Indemnity Insurance?

Immediate Financial Assistance: When a health challenge strikes, Pacific Life provides a lump sum payment to help cover treatment costs and everyday expenses so you can focus on recovery.

Comprehensive Coverage: We cover hospital admissions, Emergency Room and Urgent Care visits, doctor's appointments, and other treatments. 

Beyond Medical Bills: You have the flexibility to choose how to use the money, including essential needs such as mortgage payments or childcare, providing additional financial security.

Benefit Highlights

Pacific Life Hospital Indemnity Insurance helps ease the financial burden caused by hospital expenses, providing benefits for coverages such as:

  • Hospital admission and confinement
  • Intensive Care Unit (ICU) admission and confinement
  • Inpatient and outpatient surgery
  • Outpatient infusion
  • Inpatient and outpatient Behavioral Health Facility
  • Rehabilitation for substance abuse
  • Home health care
  • Newborn nursery confinement
  • Family care and more

For specific coverage details, access your Pacific Life Portal.

Event-Based Claims

Our innovative process simplifies the overall claims experience, helping maximize benefits payments for employees and their covered dependents.

How it works:

  • When an event occurs — like an injury, sickness, or hospital stay — the employee fills out one, simple online form on their portal or calls to tell us what happened.
  • Pacific Life evaluates your submission and automatically generates claims on all related coverages.
  • Employees receive prompt and direct benefits payments.

At Pacific Life, we optimize the claims process, allowing our members to focus on what matters most and providing added financial security for life's unexpected events.

More questions? Check out our FAQ below.

What is Pacific Life Hospital Indemnity Insurance?

Each year, 33 million Americans are admitted to the hospital,1 and Pacific Life Hospital Indemnity Insurance helps ease financial expenses associated with hospital stays, treatment, medical plan deductibles, and copays with a lump sum payment made directly to you.

What does Pacific Life Hospital Indemnity Insurance cover?

Pacific Life Hospital Indemnity Insurance pays benefits when covered employees are admitted to a hospital, confined to a hospital, visit the Emergency Room, Urgent Care, or their physician, or seek other forms of treatment. You can review your Certificate of Coverage in your portal to see all benefits available to you.

What are a few Pacific Life Hospital Indemnity plan highlights?

Pacific Life Hospital Indemnity insurance stands out with comprehensive coverage to include benefits like outpatient infusions, inpatient and outpatient behavioral health facilities, newborn nursery, substance abuse rehabilitation coverage, and support for home health care.

Why do I need hospital indemnity insurance if I already have medical coverage?

With deductibles, copays, coinsurance, and out-of-pocket maximums, medical expenses often exceed what insurance pays. Plans like Pacific Life Hospital Indemnity Insurance help cover out-of-pocket costs and bridge the gap on what medical insurance pays.

Do I need to pay at the time of enrollment?

There is no out-of-pocket payment required for enrollment. Your employer will conveniently deduct your premium from your paycheck.

How does the claims process work, and what documentation is required?

Through a simple online form in your portal, we will ask you about the event and tell you what documents are needed. Then we will use our innovative event-based claims approach to automatically create all applicable claims, ensuring we maximize your benefits. You’ll receive notifications – electronically or by mail – about your claims’ status along the way. For additional assistance, you can call us at (855) 810-3301.

How do I access my online portal account?

Your online Pacific Life Portal gives you the ability to manage all your benefits in one convenient location. After you enroll, you’ll receive an email invitation with a link to create your account. If you need additional support, call us at (855) 810-3301. Once your account is set up, you can sign in.

Do I need to submit receipts on any items I buy with my benefits?

No. Your benefits can be used how you choose.  

Does my Pacific Life Hospital Indemnity Insurance include wellness benefits?

Most Pacific Life Hospital Indemnity Insurance policies include wellness benefits to promote a proactive approach to your health. These benefits vary by state. You can check your Certificate of Coverage found in your portal for details.

What happens to my hospital indemnity coverage if I retire or leave my company?

When you retire or leave the company, you may be eligible to continue coverage or convert to an individual policy. You can check your Certificate of Coverage found in your portal for details. If your coverage terminates, you will be notified of your right to convert and any other options that may be available to you.

Can I add or remove coverage for family members?

If your employer's plan includes coverage for family members, you likely only have the ability to make changes during annual enrollment or after a qualifying life status change, such as marriage, divorce, or birth of a child. Reach out to the benefits administrator at your company to discuss eligibility and make changes.

Whom can I contact if I need help?

Current members can call us at (855) 810-3301 with any questions. We are here to help you get the most out of your Pacific Life benefits.

Explore More

American Hospital Association, Fast Facts on Hospitals, 2022, accessed May 2024

Policy Form Series: PLA-HI-POL23, PLA-HI-CERT23 Form numbers, provisions, and availability may vary by state. The state-approved form is the governing document.

Pacific Life refers to Pacific Life Insurance Company and its subsidiary Pacific Life & Annuity Company. Insurance products can be issued in all states, except New York, by Pacific Life Insurance Company and in all states by Pacific Life & Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues.


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