Group Hospital Indemnity Insurance

hospital indemnity insuranceAn employee’s cost resulting from a hospital stay can add up quickly. Most major medical coverage is not designed to cover all of an insured’s hospitalization costs, paying only a portion of those charges.

Even a short hospital stay can set the stage for financial difficulties that can last for years.

Aflac group supplemental hospital indemnity insurance provides supplemental benefits that enhance existing coverage and help prepare employees for expenses associated with a hospital stay and medical treatment.

The plan pays benefits on a range of services — benefits employees can use toward expenses not covered by major medical insurance.

Group supplemental hospital indemnity
Features and benefits
Spouse and dependent child coverage Spouse and dependent child benefits are available when the employee applies. Children are covered at the moment of birth as long as child coverage is in force. If there is no child coverage in force, an application to add a child is required after the child’s birth and the effective date of that child’s coverage will be based on normal submission guidelines. “First” children are not covered at moment of birth.
Hospital admission Within six months of the date of the covered accident; variable benefit allows accounts to change as their needs change, where approved.
Hospital confinement Up to 180 days and within six months of the date of the covered accident
Hospital intensive care 30-day maximum for any period of confinement and within six months of the date of the covered accident.
Surgery and anesthesia
  • Varies by plan, based on surgical schedule
  • Anesthesia benefit will be 25% of the surgical provided
Hospital emergency room/physician
  • Physician visit
  • Laboratory fees
  • X-ray
  • Injections/medications
Well-Baby Care
  • 12 months and under
  • $25 per visit/four visits per calendar year
  • Dependent child coverage required
Out-of-hospital prescription drug Pays a maximum of five prescriptions per year for each individual covered. Amount paid depends on plan chosen.Not covered:

  • Therapeutic devices/appliances
  • Experimental drugs
  • Drugs, medicines, or insulin used by or administered to a person while confined to a hospital, rest home, extended-care facility, convalescent home, nursing home, or similar institution
  • Immunization agents, biological sera, blood, or blood plasma
  • Contraceptive materials, devices, or medications or infertility medication (except where required by law)
 Wellness benefit Pays $50 once per calendar year when an insured visits a physician and is neither injured nor sick.
Portability option If the certificateholder changes jobs or retires, the certificate will remain with the certificateholder, provided the master policy remains in force and provided we receive the written application and premium within 31 days after the date insurance would otherwise terminate.

  • No change in premium
  • Bank draft/direct bill

Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York. Products may not be available in all states. Plans and benefits may vary by state. Terms and conditions may apply.

How group supplemental hospital indemnity insurance works

Major medical insurance does not always cover all the costs associated with a hospital stay. Aflac group supplemental hospital indemnity insurance supplements existing medical coverage, paying a range of benefits —benefits employees can use toward expenses not covered by major medical insurance.

Benefits are paid for covered events and can be used to help pay a range of out-of-pocket expenses.

If you would like an agent to contact you about group hospital indemnity plans, please complete the form below.

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