Hospital Indemnity Coverage
With hospital indemnity insurance, you’ll receive a fixed daily benefit if you have a covered stay in a hospital intensive care unit that occurs on or after your coverage effective date.
Benefit amounts are listed below and depend on the type of facility and number of days of confinement.
When you are admitted to a covered medical facility, you become eligible for an admission benefit for the first day of confinement. This benefit is payable once per confinement, up to a maximum of eight admission(s) per calendar year.
Plan highlights
Type of Admission/ Benefit Amount
Hospital Admission/ $1,000
Critical Care Unit (CCU) Admission/ $2,000
Beginning on day two of your confinement, for each day that you have a stay in a covered facility, you’ll be eligible for a fixed daily benefit payment. The benefit amount and maximum number of days per confinement varies by facility:
- Hospital confinement (1 x the daily benefit amount, up to 30 days maximum per confinement)/ $100.
- Critical Care Unit (CCU) confinement (2 x the daily benefit amount, up to 15 days maximum per confinement)/ $200.
- Rehabilitation facility confinement (1/2 of the daily benefit amount, up to 30 days maximum per confinement)/ $50.
Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
| Coverage Type |
Bi-Weekly Rates (24 Pay Period) |
| Team Member |
$9.16 |
| Team Member + Spouse |
$17.75 |
| Team Member + Children |
$13.45 |
| Team Member + Family |
$22.04 |