Hospital Indemnity

EMPLOYEE PAYS 100%

Hospital Indemnity insurance helps with out-of-pocket medical costs incurred with a hospital stay. Sun Life’s Hospital Indemnity plan provides flexible options that make it easy to meet cost and coverage goals. Employees with hospital stays of 10 days or more may receive additional Extended Hospitalization benefits.

Here are some benefits available under our Hospital Indemnity plan:
• No health questions required to enroll.
• Covered conditions: Plans can include coverage for hospital confinements due to accident and sickness, mental and nervous disorders, substance abuse, routine pregnancy, and newborn routine care.
• Benefit options: Benefits are available for hospital confinements, stays in rehabilitation units, intensive care units, intermediate step down units, emergency room treatment and more.
• First Day benefits: Benefits can include a First Day Hospital &/or First Day ICU.
• Benefits can add up: Add additional value to your plan by including the option for benefits, such as First Day, Hospital Confinement, or ICU benefits, to be paid on the same day.
• Extended Hospitalization benefit: Covered employees and dependents with hospital/ICU confinements of 10 consecutive days or more can receive additional benefits for the duration of their confinement.
• No lifetime maximums: There is no limit to the number of hospital claims that may be submitted. This may be of particular interest to employees with chronic conditions.
• Portable: In approved states, employees who terminate employment and who meet other eligibility criteria may apply to port this insurance. In other states, Continuation will be available.
• Complements other plans: Hospital Indemnity complements Critical Illness, Cancer and Accident coverage in their goal to help protect employees from out-of-pocket medical expenses. Benefits are paid regardless of what other coverages employees may have.
• Wellness Screening Benefit: When included, this benefit can help to promote healthy lifestyles and early detection. We will pay employees a defined amount, once per benefit year, when we receive proof of an eligible health screening (full list enclosed if included). We may also pay the employee for spouse or child
screening