Montgomery County
Montgomery County
IMPORTANT: This is a fixed indemnity policy, NOT health insurance
Get a daily benefit if you have a covered hospital stay. 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.
Looking for comprehensive health insurance?
Questions about this policy?
Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital*, critical care unit**, or rehabilitation facility** on or after your coverage effective date. Hospital Indemnity Insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. For a complete description of benefits, exclusions and limitations, refer to your certificate of insurance and riders.
*The definition of “hospital” does not include an institution or any part of an institution used as: a hospice unit, including any bed designated as a hospice or a swing bed; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative facility; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction.
**Covered facilities may vary based on your employer's policy.
Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.
Certificates
Review this document for a complete overview of benefits
What is Hospital Indemnity Insurance?
Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital*, critical care unit** or rehabilitation facility**, on or after your coverage effective date. The benefit amount is determined based on the type of facility and the number of days you stay. This is a limited benefit policy. Hospital Indemnity Insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
How can Hospital Indemnity Insurance help?
You can use the benefit however you would like. While coverage amounts may vary, below are a few examples of how you could use your benefit:
Why should I enroll through my employer?
Premium amounts are deducted from your paychecks, so you don’t have to worry about paying another bill.
Can I purchase coverage for my spouse and child?
Coverage is available for your eligible spouse and your eligible children up to age 26* as defined in the certificate of insurance and riders, if employee coverage is elected.
*Standard ages may vary.
How much does it cost?
The cost of Hospital Indemnity Insurance varies. Please refer to your enrollment materials or contact your employer.
Do I need to provide health information when I apply?
No. There are no medical questions you need to answer or medical tests to take in order to get coverage. Pre-existing conditions may apply.
See the certificate and any riders for a complete description of benefits, exclusions and limitations.
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Policy form #RL-HI2-POL-18; Certificate form #RL-HI2-CERT-18; and Rider forms: Spouse Hospital Confinement Indemnity Rider form #RL-HI2-SPR-18; Children’s Hospital Confinement Indemnity Rider form #RL-HI2-CHR-18; Continuation of Insurance Rider form #RL-HI2-CNT-18; Diagnostic Test Benefit Rider form #RL-HI2-DGR-18; Wellness Benefit Rider form #RL-HI2-WELL-18; Accident Benefit Rider form #RL-HI2-ACD-18; Critical Illness Rider form #RL-HI2-CIR-18; Waiver of Premium Rider form #RL-HI2-WOP-18; Hospital Confinement Endorsement form #RL-HI2-END-22.
Tom and Becky had not planned on starting a family yet but, eight months later, little Andrew came into the world. Fortunately, Becky had Hospital Indemnity Insurance with an Admission Benefit through her employer. The benefit she received from this coverage helped cover her medical deductibles and co-pays, as well as Tom’s parking and meals, Example out-of-pocket expenses during her three-day hospital stay.
| Hospital Indemnity Insurance benefits paid - Example Only1 | ||
| Hospital Admission Benefit (payable for the first day of hospital confinement, once per confinement) |
$600 | |
| Hospital Confinement Daily Benefit (Daily benefit amount of $100 per day, payable for up to the maximum number of days indicated in your certificate) | + | $100 |
| Total benefits paid | $700 | |
1 This is shown for illustrative purposes only. Actual results may vary. Only one type of confinement benefit is payable for each day of eligible confinement. Other maximums and/or pre-existing condition limitations may apply. Average Hospital Indemnity Insurance claim paid from 1/1/2023 – 12/31/2023 was $1,609. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.
