Hospital Indemnity Insurance
Group Number: 0075009-3
Highlights
Learn more about the Tri-Agency rule
Learn more about the Colorado Fixed Indemnity Policy NoticeGet a daily benefit if you have a covered stay in a hospital
Your Hospital Indemnity Insurance includes the following benefits:
Daily Confinement Benefit
A daily confinement benefit is payable starting day 2 of your confinement in a covered hospital. Benefits are payable for a total of 30 days for a period of confinement. Only one type of confinement or admission benefit is payable per day.
Health System Benefit
If a covered employee, spouse or child receives services for treatment at a facility that is owned, operated or maintained by the employer/organization, the payable benefit(s) will be increased as reflected in your schedule of benefits.
Wellness Benefit
This is an annual benefit you can earn by completing an eligible health screening test, such as mental health screening, flu immunization, a mammogram and a routine eye or dental exam. If your spouse and/or children are covered by Hospital Indemnity Insurance, they are eligible for this benefit as well. A maximum amount for all children may apply.
Non-insurance services: the following services are not insurance, and may be discontinued at the request of your employer.
Voya Cares®
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Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.
Voya Travel Assistance
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Group Name: Memorial Hermann Health System
Group Number: 0075009-3
Plan documents
Certificates
Review this document for a complete overview of benefits
FAQs
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:
- Out of pocket medical expenses, such as deductibles and co-pays
- Travel, food and lodging expenses for family members
- Child care
- Everyday expenses like utilities and groceries
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.
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 condition limitations may apply.
If an employee’s spouse and/or child also works at the company and is covered as an employee, are they also eligible for coverage under the Spouse and/or Child Rider?
No. If your spouse is covered under the policy as an employee, then your spouse is not eligible for coverage under the Spouse rider. Likewise, if your child is covered under the policy as an employee, then your child is not eligible for child coverage under the Child Rider.
See the certificate and any riders for a complete description of benefits, exclusions and limitations.
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 issued and 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-CERT2-24; Spouse Hospital Confinement Indemnity Rider form RL-HI2-SPR2-24; Children’s Hospital Confinement Indemnity Rider form RL-HI2-CHR2-24; Wellness Benefit Rider form RL-HI2-WELL2-24; Diagnostic Test Benefit Rider form RL-HI2-DGR2-24; Accident Benefit Rider form RL-HI2-ACD2-24; Critical Illness Rider form RL-HI2-CIR2-24; Waiver of Premium Rider form RL-HI2-WOP2-24. Continuation of Insurance Rider form: RL-HI2-CNT2-24; Absence from Employment Premium Waiver Rider form: RL-HI2-AEPW-24. Form numbers, provisions and availability may vary by state.
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Real Life Example
Pat had only thought they were dealing with a common cold, but when they couldn’t catch their breath and went to the ER, they learned they had pneumonia and had to be admitted to the hospital. Fortunately, Pat had Hospital Indemnity Insurance through their employer and the benefit they received from this coverage helped pay their out-of-pocket medical deductibles and co-pays.
| Hospital Indemnity Insurance benefits paid - Example Only1 | ||
| Hospital Admission Benefit (Only one hospital admission benefit is payable for each admission up to the calendar year maximum) |
$1,200 | |
| Hospital Confinement Daily Benefit x 2 days (Daily benefit amount of $100 per day, payable for up to 30 days per confinement) |
+ | $200 |
| Total benefits paid | $1,400 | |
1This 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.
Wellness Benefit
Your Hospital Indemnity Insurance includes an annual Wellness Benefit. That means when you and/or your covered dependents have an eligible health screening test or routine exam, you will be able to receive an annual paid wellness benefit.
