Hospital Care (Indemnity) Insurance
Additional coverage to help with the costs of a hospital stay.
A hospital stay can be expensive, and it can happen at any time. Help your employees focus on getting better, and worry less about hospital bills. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation and childcare can quickly add up. Supplemental health benefits such as Cigna Hospital Care can offer a cost-effective solution to provide the additional coverage employees and their families need to bounce back from a health setback so they can be whole again – body, mind and wallet.
How it Works for your Employees
- Pays a fixed benefit to the covered person for hospital stays resulting from a covered injury or illness. The money can be used as the individual chooses. Benefits may be paid directly to the hospital upon assignment.1
- No restrictions on how the money can be used. Coverage continues after the first covered hospitalization – helping provide additional protection for future hospital stays.
- Supplements your medical plan – Benefits are separate from medical plan, do not coordinate, and are paid directly to you.
- Cost-effective coverage. Benefits are employee-paid and employees sign up at economical group rates – so they typically pay less for coverage than if they tried to purchase coverage individually.
- Maximize employee benefit payments with Cigna Simple File®.
Auto compare* – For customers who also have Cigna’s medical coverage, we carefully review Cigna medical claims and remind customers to submit their eligible accidental injury, critical illness, or hospital care (indemnity) claim.
Auto claim* – For customers who also have Cigna's disability, life and/or accidental death and dismemberment (AD&D) coverage – we'll automatically file their eligible accidental injury, critical illness, or hospital care (indemnity) claim so they can focus on their health.
- Convenience. No copays, deductibles, coinsurance restrictions or network requirements to worry about and premiums are deducted from employee paychecks.
- Benefits are portable. Employees can keep their coverage if they leave their employer.2
Value-add Programs and Services
With Cigna Hospital Care insurance, your employees and their families have access to a suite of programs and services available for use at any time.3
- My Secure AdvantageTM
My Secure Advantage is a full service financial wellness program that offers solutions to all types of personal financial challenges. The program includes access to expert "money coaching" for many types of financial needs, identity theft resolution and protection, online will preparation, educational webinars, access to a library of financial tools, forms and tips, and more.
- Cigna Healthy Rewards®
Cigna Healthy Rewards offers discounts for you and your family members on a wide range of health and wellness products and services, including nutrition and weight management, alternative medicine, fitness and mind/body programs and equipment, hearing and vision care, and more.
- Cigna Health Advocacy Services4
Cigna Health Advocacy Services offers personalized assistance to help you and your family members, including parents and parents-in-law, navigate a wide range of health care and health insurance challenges. It also includes Medical Bill Saver – a service to help negotiate discounts on out-of-pocket medical expenses.
Learn more about how Cigna can help protect your employees.
Contact your broker or connect with a Cigna representative to learn more about how we can work together.
Let's Get Started
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GROUP HOSPITAL CARE (INDEMNITY) INSURANCE POLICY PAYS LIMITED BENEFITS ONLY. IT DOES NOT CONSTITUTE COMPREHENSIVE HEALTH INSURANCE COVERAGE AND IS NOT INTENDED TO COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.
*The Simple File process is based on a one-time assessment of the initial claim documentation for the primary claim. Any subsequent events would not be identified.
1 The term “hospital” does not include a clinic, facility, or unit of a hospital for: (1) rehabilitation, convalescent, custodial, educational, hospice, or skilled nursing care; (2) the aged, drug addicts or alcoholics; or (3) a facility primarily or solely providing psychiatric services to mentally ill patients.
2 Under most plans, coverage is portable and ends at age 100.
3 These programs are NOT insurance and do not provide reimbursement for financial losses. Some restrictions may apply. Programs are provided through third party vendors who are solely responsible for their products and services. Full terms, conditions and exclusions are contained in the applicable client program description, and are subject to change. Program availability may vary by plan type and location, and are not available where prohibited by law. Contact your Cigna representative for details.
4 This program is available at the option of the employer for an additional cost and not available to Health Advocate, Inc. existing clients. Group Hospital Care (indemnity) insurance is offered by Life Insurance Company of North America, except in NY where policies are insured by Cigna Life Insurance Company of New York (New York, NY). Plans may not be available in all areas. All group insurance policies may contain exclusions, limitations, reduction of benefits, and terms under which the policies may be continued in force or discontinued. For costs and complete details of coverage, contact your Cigna representative. Policy forms: GHIP-00-1000, GHIP-00-1000.ORa et al.
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Cigna Company Information
Individual and family medical and dental insurance plans are insured by Cigna Health and Life Insurance Company (CHLIC), Cigna HealthCare of Arizona, Inc., Cigna HealthCare of Illinois, Inc., and Cigna HealthCare of North Carolina, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see
All insurance policies and group benefit plans contain exclusions and limitations. For availability, costs and complete details of coverage, contact a licensed agent or Cigna sales representative. This website is not intended for residents of New Mexico.