Hospital Care (Indemnity) Insurance
Additional coverage to help with the costs of a hospital stay.
Flexible Financial Assistance for Unexpected Hospital Stays
A hospital stay can be expensive, and it can happen at any time. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation, and child care can quickly add up. Help your employees focus on getting better, and worry less about hospital bills, with Hospital Care (Indemnity) insurance from Cigna Healthcare℠*.
Benefits of Indemnity Insurance for Your Employees
Cash Benefit
Payment is given to the covered person for hospital stays resulting from a covered injury or illness. Benefits may be paid directly to the hospital upon assignment.1
Flexible
Employees can use the money however they want, including medical deductibles, child care, groceries, and more.
Supplements a Medical Plan
Benefits are paid in addition to other coverage an employee may have.
Cost Effective
Premium is conveniently deducted from an employee's paycheck at a low group rate.
Benefits are Portable
Employees can keep their coverage if they leave their employer.2
Maximize employee benefit payments with Cigna Simple File®
- Auto compare3 – For customers who also have medical coverage, we carefully review medical claims and remind customers to submit their eligible hospital care (indemnity) claim.
- Auto claim3 – For customers who also have our disability, life and/or accidental death and dismemberment (AD&D) coverage, we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.
Hospital Care Insurance
Watch how our Hospital Care insurance can provide assistance for out-of-pocket expenses during hospital stays. (Length: 00:01:53)
*Insured by Cigna Health and Life Insurance Company
View Cigna Healthcare Company Names
1 The term “hospital” does not include a clinic, facility, or unit of a hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.
2 Under most plans, coverage is portable and ends at age 100.
3 The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified.
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THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.
Product availability may vary by location and plan type and is subject to change. All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued. For costs and details of coverage, contact your Cigna Healthcare representative.
Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare names, logos, and marks are owned by Cigna Intellectual Property, Inc.