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.
- File a claim
- Submit for wellness benefit
- Discover value added programs
- See plan documents
