Hospital Care (Indemnity Insurance)

How does it work?

Cigna’s Hospital Care (Indemnity Insurance) helps covered employees and their families cope with the financial impacts of a hospitalization. You can receive benefits when you are admitted to the hospital for a covered accident, illness, or childbirth. The money is paid directly to you – not to a hospital or care provider. The money can also help you pay the out-of-pocket expenses that your medical plan may not cover, such as coinsurance, copays and deductibles.

  • $1,000 for each covered hospital admission – 1 per year
  • $1,000 for each covered ICU admission – 30 days per year
  • $100 for each standard daily hospital stay – 30 days per year
  • $200 for each ICU daily – Up to 30 days per year

You – if you are actively at work

Your Spouse/Domestic Partner

Your Children – Dependent children until their 26th birthday, regardless of marital or student status

Employee must purchase coverage for themselves in order to purchase spouse/domestic partner or child coverage. Employees must be legally authorized to work in the United States and actively working at a U.S. location to receive coverage. Spouses/domestic partners and dependent children must reside in the United States to receive coverage. Certain states may have limitations.

HOSPITAL CARE (INDEMNITY INSURANCE)
Employee$8.40
Employee + Spouse/Domestic Partner$17.31
Employee + Child(ren)$14.41
Family$23.32
Hospital Care Benefit Summary

Why is this coverage so valuable?

You may take the coverage with you if you leave the company or retire, without having to answer new health questions. You’ll be billed directly.

Have a question?

Send your questions to HR@inserso.com and someone from our Human Resources team can help.
Email HR