Hospital Indemnity Insurance

Important: This is a fixed indemnity policy, NOT health insurance. This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.

  • The payment you get isn’t based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn’t a substitute for comprehensive health insurance.
  • Since this policy isn’t health insurance, it doesn’t have to include more federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit HealthCare.gov or call 800.318.2596 (TTY: 855.889.4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your state Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
  • If you have this policy through your job, or a family member’s job, contact the employer.

Hospital Indemnity insurance with Cigna is designed to provide financial assistance for an event that results in a hospital confinement, to supplement your current coverage. Employees can use the benefits shown below, to meet any out-of-pocket expenses and extra bills that can occur. Benefits are paid directly to you, regardless of the actual cost of treatment. Below is an example of how a trip to the Hospital for childbirth would payout.

 

Covered Benefits Benefit Amount
Daily Hospital Confinement (up to 30 days) $100
Daily ICU Confinement (up to 30 days) $200
Newborn Nursery Care Admission (limited to 1 day) $500
Example: Childbirth Benefit Amount
Hospital Admission Benefit $500
Newborn Nursery Care Admission $500
Daily Hospital Confinement (starting day 2) $200
Total Dollars Payable to Employee $1,200

Is Hospital Indemnity Insurance Right for You?

You can enroll once a year during Open Enrollment or if you are a new employee signing up for benefits.

Learn more and take action.