Even with health insurance, hospital stays can be expensive. Hospital confinement indemnity insurance can help you pay for things like deductibles, transportation and rehabilitation costs that would usually come out of your own pocket.  

Key Features

  • A limited benefit policy (not health insurance)1
  • Benefits based on the number of days spent in a hospital2, critical care unit or rehabilitation facility 
  • Benefits for outpatient and inpatient surgery, diagnostic tests, emergency room and rehabilitation services
  • Assistance with out-of-pocket expenses that may not be fully covered by health insurance
  • Benefits paid regardless of any other insurance you have 
  • Spend benefits on what you need – coinsurance, lodging, child care
  • Coverage may follow you if you leave your employer3

Suitable For

Individuals
  • Individuals looking for additional protection in case of either illness or injury
  • Individuals facing large health insurance deductibles 

Eligibility

Eligibility Limits
  • Available through your employer’s benefits program
  • Must meet employer’s eligibility requirements3
  • Optional spouse, domestic partner or dependent children coverage

Rates

  • Premiums are typically lower when you purchase group coverage through your employer
  • Premiums are conveniently deducted from your paycheck

Additional Details

1Hospital confinement 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. 

2A hospital does not include an institution or part of an institution used as: a hospice unit; 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.

3This varies by state and the hospital confinement indemnity insurance plan offered by your employer.  
This information is a brief description of coverage. The policy and riders should be read carefully for exact terms and conditions, exclusions and limitations. Policy Form # RL-HI-POL-12. Policy form numbers, product availability and benefit provisions may vary by state.

VoyaTM Employee Benefits insurance products and services in the U.S. are provided by ReliaStar Life Insurance Company (Home and Administration Office: Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Home Office: Woodbury, NY. Administration Office: Minneapolis, MN). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the VoyaTM family of companies.