Cigna Hospital Indemnity Insurance

Hospital Indemnity Insurance can help protect your finances by providing payments to help cover eligible expenses associated with a hospital stay.  You can use this benefit however you choose - deductibles, coinsurance or even non-medical expenses, such as rent/mortgage, car payments or child care. Benefits are paid in addition to any other insurance you may have.  You can also elect coverage for your spouse and children (Associate must elect coverage). 

Plan Highlights:

  • No pre-existing condition limitation or waiting period
  • Benefits do NOT reduce as you get older 
  • Guaranteed Issue - If you enrolled during the annual enrollment period, you will not be required to provide medical information.
A Health Screening Benefit is included, which pays an annual $50 incentive, per person, to you and your enrolled dependents, who receive a health screening or test (blood test, stress test, colonoscopy, chest x-ray, mammogram, biometric screening, etc.). You can even use the same annual exam from your Wellness Incentive requirements, to qualify for this benefit. 

Making Changes to Your Coverage:

When Can I Make the Change?

During Annual


New Hire
With a Qualifying
Life Event
Any Time During
the Year

Enroll for Coverage

Allowed Allowed Not Allowed Not Allowed
No EOI* Required

*This policy or its provisions may vary or be unavailable in some states. The policy has exclusions and limitation that may affect any benefits payable.  Please refer to plan documents for detailed plan information.