Hospital Indemnity
Insured by Aflac
The Hospital Indemnity Plan provides financial assistance to enhance your current coverage. So you may be able to avoid dipping into savings or having to borrow to address out-of-pocket-expenses major medical insurance was never intended to cover. Like transportation and meals for family members, help with child care, or time away from work, for instance.
Benefits Overview
Hospital Admission( per confinement) Payable when an insured is admitted to a hospital and confined as an in-patient because of a covered accidental injury or covered sickness. We will not pay benefits for confinement to an observation unit, or for emergency room treatment or outpatient treatment.
Hospital Confinement( per day) Payable for each day that an insured is confined to a hospital as an inpatient as the result of a covered accidental injury or covered sickness. If we pay benefits for confinement and the insured becomes confined again within six months because of the same or related condition, we will treat this confinement as the same period of confinement. This benefit is payable for only one hospital confinement at a time even if caused by more than one covered accidental injury, more than one covered sickness, or a covered accidental injury and a covered sickness.
Hospital Intensive Care Benefit Payable for each day when an insured is confined in a Hospital Intensive Care Unit because of a covered accidental injury or covered sickness. We will pay benefits for only one confinement in a Hospital’ s Intensive Care Unit at a time. Once benefits are paid, if an insured becomes confined to a Hospital’ s Intensive Care Unit again within six months because of the same or related condition, we will treat this confinement as the same period of confinement. This benefit is payable in addition to the Hospital Confinement Benefit.
Intermediate Intensive Care Step-Down Unit Payable for each day when an insured is confined in an Intermediate Intensive Care Step-Down Unit because of a covered accidental injury or covered sickness. We will pay benefits for only one confinement in an Intermediate Intensive Care Step-Down Unit at a time. Once benefits are paid, if an insured becomes confined to a Hospital’ s Intermediate Intensive Care Step-Down Unit again within six months because of the same or related condition, we will treat this confinement as the same period of confinement. This benefit is payable in addition to the Hospital Confinement Benefit.
Benefit Amount
Once per covered sickness or accident per calendar year for $ 1,250 each insured
Maximum of 31 days per confinement for each covered sickness or accident for $ 250 each insured
Maximum of 10 days per confinement for each covered sickness $ 250 or accident for each insured
Maximum of 10 days per confinement for each $ 75 covered sickness or accident for each insured
Health Screening Benefit $ 50
Premium Rates Monthly Premiums
Coverage
Premium Employee $ 22.48 Employee and Spouse $ 41.06 Employee and Child( ren) $ 33.56 Family $ 52.14
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