Hospital Indemnity Insurance can help ease the financial burden of a hospital stay. It pays a daily benefit if you have a covered stay in a hospital, critical care unit, or rehabilitation facility. The benefit amount is determined by the type of facility and the number of days you stay. Coverage is also available for your spouse and children and no medical questions or tests are required to enroll in this coverage.

In addition to the daily benefit, Hospital Indemnity Insurance includes the following benefits:

• Initial Confinement Benefit – this provides an additional benefit payment of 10x the daily benefit amount after the first day you spend in a covered facility. This benefit is limited to a maximum of four per calendar year for all covered persons, but no more than one per each covered person.
• Wellness Benefit – this provides an annual benefit payment if you complete a health screening test. This benefit pays $50 per employee and spouse (if covered) and $25 per child (if covered), with an annual maximum of $100 for all children.