Hospital Indemnity - Voya

Hospital Indemnity - Voya

Overview

If you become injured or ill and are hospitalized, your health insurance will pay a portion of your medical costs. But no plan pays for everything. Your share of the hospital bill with coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.

Hospital Confinement Indemnity Insurance pays a fixed 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.

The following list is a summary of the benefits provided by Hospital Indemnity Insurance. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.  

 

  • Pays a daily benefit of $100 up to a maximum of 15 days for a covered hospital confinement, beginning on day 2 of confinement. Hospital Indemnity Insurance does not replace your medical coverage; instead, it complements it. The benefit payments do not go out to pay for medical bills or treatments you may need, instead they come in—directly to you—to be used however you’d like.
  • Rates can be cost-effective when you purchase group insurance coverage through your employer. Bi-Weekly group rates are: Employee $4.77, Employee + Spouse: $9.41, Employee + Children: $8.62, and Family coverage: $13.26. High plan option Bi-Weekly group rates are: Employee: $9.39, Employee + Spouse: $18.87, Employee + Children: $17.06, Employee + Family: $26.54. Your premium is conveniently deducted from your paycheck.
  • Guaranteed acceptance. Pre-existing condition limitations may apply.
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or time away from work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)
  • Offered by Voya Employee Benefits and underwritten by ReliaStar Life Insurance Company, a member of the Voya® family of companies.

 

Hospital Confinement Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

 

Visit the Voya Employee Benefits Resource Center by clicking here.


*See the certificate and any riders for a complete description of benefits, exclusions and limitations.


*
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 swing bed; a convalescent home; a rest or nursing facility; a free- standing surgical center; 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. “Critical care unit” and “rehabilitation facility” is are also defined in the certificate.

Enrollment

Add hospital indemnity insurance to help relieve some of the financial stress of a covered hospitalization.

As a new hire, you can enroll within 30 days of your benefits eligible date. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period.
Contact Us

 Phone:
1-877-236-7564
 Hours
 M-F 8a-8p ET
 Email
employerbenefitsinquiries.service@mercer.com

How It Works

FAQs

Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?

    Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.
  • Who is eligible?

    All active employees working 20+ hours per week. Employees with coverage on themselves may enroll their spouse (under age 70) and eligible children up to age 26. If both the employee and spouse are covered under the policy as employees, only one, but not both, may cover the same children.


    *The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information. The definition of "child" may vary by state. Please contact your employer for more information.

  • When can I enroll?

    As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or new life event period, enrollment is limited to the company’s annual enrollment.  Please contact your employer for further details.
  • What benefits are included in this plan?

    The following list includes the benefits provided by Hospital Confinement Indemnity Insurance. The benefit amounts paid depend on the type of facility and number of days of confinement. Any combination of facility confinement and admission benefits payable includes a limit. For a complete description of your available benefits, along with applicable provisions, exclusions and limitations, see your certificate of insurance and any riders.

     

    When you are admitted to a covered medical facility, you become eligible for an admission benefit for the first day of confinement. This benefit is payable once per confinement, up to a maximum of 8 admission(s) per calendar year:

     

    • Hospital admission
    • Critical Care Unit admission
    • Rehabilitation Facility admission


    Beginning on day 2, each day that you have a stay in a covered facility, you’ll be eligible for a fixed daily benefit payment. The benefit amount and maximum number of days per confinement varies by facility:

     

    • Hospital - 15 day maximum per confinement
    • Critical Care Unit - 15 day maximum per confinement
    • Critical Care Transitional Care Unit (also known as a "step down unit") - 15 day maximum per confinement
    • Rehabilitation Facility - 15 day maximum per confinement
    • Observation Unit (at least 4 consecutive hours, other than inpatient. Not payable for any day that a facility confinement or admission benefit is payable)


    Additional benefits may be payable per day during a confinement and based on a confinement-related event. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders.

    Below are a few examples of how your Hospital Confinement Indemnity Insurance benefit could be used (coverage amounts may vary):

     

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Exclusions and Limitations

    The standard exclusions and limitations are listed below. For a complete description of your available benefits, exclusions and limitations, see your certificate of insurance and any riders. (These may vary by state and/or your employer’s plan.)

    Benefits are not payable for any loss caused in whole or directly by any of the following:

     

    • Participation or attempt to participate in a felony or illegal activity.
    • Operation of a motorized vehicle while intoxicated. Intoxication means the covered person’s blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred.
    • Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
    • War or any act of war, whether declared or undeclared, other than acts of terrorism.
    • Loss that occurs while on full-time active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
    • Misuse of alcohol or taking of drugs, other than under the direction of a doctor. Exception: This exclusion does not apply to a confinement in an eligible hospital or rehabilitation facility for the purpose of treatment for alcoholism or drug addiction.
    • Elective surgery, except when required for appropriate care as a result of the covered person’s injury or sickness.
    • Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
    • Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded. Performing these acts as part of the covered person’s employment with their employer is not excluded.
    • Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
    • Practicing for, or participating in, any semiprofessional or professional competitive athletic contests for which any type of compensation or remuneration is received.


    *Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.

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-20; 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 and by your employer’s plan.

 

190395 – 02152022

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.