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Hospital Indemnity Insurance

Get a daily benefit if you have an eligible stay in a covered medical facility.

Hospital Indemnity Insurance can help you with any expense you’d like, including childcare, groceries, help around the house and more. It 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. “Critical care unit” and “rehabilitation facility” is are also defined in the certificate.

Your Hospital Indemnity Insurance includes the following benefits:

Confinement Daily Benefits

Benefits are payable upon admission on an inpatient basis to a covered facility for confinement as an inpatient due to treatment of an injury or sickness. 

Additional services included:
Voya Cares®

Voya Cares® is not insurance coverage. It is a service offered through the Voya family of companies.

 
We are committed to being a leader in making a positive difference in the lives of individuals with special needs and disabilities - as well as their families, caregivers and other providers - by offering a depth of resources focused on education, planning and solutions through Voya Cares®.

Certificates
Review this document for a complete overview of benefits

Certificate of Coverage

State Forms
Forms that provide additional information

Mandated State Forms

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. 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. 


*The definition of hospital does not include an institution or part or 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 for the aged, or care or treatment for persons suffering from mental diseases or disorders, or drug or alcohol addiction.

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: 

  • 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.

*Standard ages may vary.

How much does it cost?

The cost of Hospital Indemnity Insurance varies. It is very likely that your monthly premium will be less than your monthly lunch budget.

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; 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; and Waiver of Premium Rider form RL-HI2-WOP-18. Form numbers, provisions and availability may vary by state.

Hospital stays aren’t cheap. And even with medical insurance, there are still a lot of out-of-pocket costs to consider.

Example expenses incurred during two-day hospital stay:

Health insurance deductible $1,500
Co-pays $200
Meals and parking + $40
Total out-of-pocket expenses $1,740
Example Admission Benefit
(Benefit paid on the first day of admission)
$1,000
Example daily benefit paid under policy
(Daily benefit amount  x 1 day)
+ $200
Total benefits paid $1,200

The amounts shown above are for illustrative purposes only. Actual costs/results may vary.

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