Hospital Indemnity

Here's what you need to know

What it does for you
Why it's important
When you can enroll
Forms & resources

Hospital Indemnity Insurance provides you with a cash benefit you can use to help pay expenses when you have a covered hospital stay.

If you’ve ever been hospitalized, then you already know that your medical plan may not pay all of your medical expenses. Whatever remains is what you’ll be expected to pay on your own. Deductibles, copays, out-of-network charges, and other uncovered expenses can add up to big bills, even for a short hospital stay.

That’s where Hospital Indemnity Insurance comes in handy. You can use the cash benefit you receive from this plan to help you cover not just bills related to your medical care, but any other expenses as well.

Pays a lump-sum benefit payment to use however you see fit
The payment is made directly to you (unless otherwise assigned)
It can help pay out-of-pocket expenses related to medical care associated with covered accidents or sicknesses
In addition to medical care, you may use it to pay for things like childcare, lodging, or over-the-counter medication

You can collect this benefit in addition to whatever coverage you have, including your employer’s medical plan, any other type of medical coverage, disability coverage, or other benefits you may be eligible to collect. However, it is NOT a substitute for these coverages and does not meet minimum essential coverage as defined by federal law.

A hospital stay can be costly to your finances in 2 ways:

Medical bills. After being admitted, you have expenses for each day you’re in the hospital – and even a short stay can end up being costly. In addition to the stay itself, treatments, tests, and surgery can add to the cost.
Lost wages. Each day in the hospital could mean taking time out of work, or a family member may take time away from their job to help support you. If this impacts the paycheck that your family relies on, you may need to dig into savings or even borrow money. Hospital Indemnity Insurance helps alleviate these worries.

Since you have the freedom and flexibility to choose how you spend your payout, you can use it to help pay for medical expenses or non-medical expenses. Even use it to help pay regular living expenses such as grocery bills, mortgage payments, childcare, and transportation – all of which could become a concern if you lose income while you’re in the hospital.

There are two Hospital Indemnity plans to choose from:

BNY Mellon - Aflac Hospital Indemnity Plan Comparison Chart

	Low Plan	High Plan
Hospital admission	$1,000 per admission	$2,000 per admission
ICU admission	Included In hospital admissionv	Included In hospital admission
Daily hospital limit (Up to 31 days)	$100	$200
Daily ICU benefit (Up to 10 days. Paid in addition to daily hospital benefit)	$100	$200
Pregnancy coverage	Normal and complications
Newborn coverage	Newborns covered for 60 days at no additional cost Well-baby newborn: Daily hospital confinement payable Ill/Injured newborn: Hospital admission benefit payable, If admitted to ICU Daily hospital and dally ICU confinement benefit payable
Intermediate intensive care step-down unit (Up to 10 days. Payable in addition to daily hospital benefit)	$50	$100
Mental health and substance abuse	Covered if admitted to a hospital

Participation requirement: None
Pre-existing conditions: None
Successor Insured coverage

AGC2002781R1

EXP 3/24

These are the periods when you are eligible to enroll for Hospital Indemnity Insurance:

Within your new hire enrollment period.
If you have a qualifying life event (you get married, have a baby, etc.), call
1-866-250-4510 to change or increase your benefit amount, or add a child or spouse to coverage.
During your employer’s annual enrollment.

Check with your employer’s human resources/benefits team for specifics about these timeframes.

Keep in mind: If you enroll during these timeframes, you have what is called "guaranteed issue," which means you may qualify for coverage without answering health questions. You must have coverage in place before a covered accident or sickness happens in order to be eligible to collect the benefit when you need it.

You can connect with Aflac by chat or email 24/7 or at 800.99.AFLAC 9 a.m.-7 p.m. ET.

Hospital Indemnity Plan Overview

MyAflac Group FAQ

Wellness Claim Form

Hospitalization Claim Form

Who is Aflac?

Aflac

Aflac helps provide financial protection and peace of mind to millions of policyholders in the U.S. and Japan – allowing customers to focus more on recovery, not financial stress. When an insured gets sick or hurt, Aflac pays cash benefits fairly and promptly directly to the insured (unless otherwise assigned).

When is a benefit paid under the plan?

Once your coverage is effective, you’ll receive benefits for a covered hospitalization. These benefits vary by state and may have other limitations and exclusions that may affect what’s payable. Refer to the plan documents for complete details.

Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for coverage include:
- You – if you are an active employee working 16+ hours per week
- Your spouse – age 18 and older
- Your child(ren) – under age 26
You must be enrolled in coverage for members of your family to also enroll.

How much does coverage cost?

Your cost is based on several factors including the plan design and whether you’d like coverage for you, your spouse and/or children.

BNY - Aflac Hospital Indemnity Semi-Monthly Premiums

Low High
Employee $5.86 $11.10
Employee + Spouse $11.83 $22.43
Employee + Child $9.27 $17.56
Family $15.24 $28.89

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How do I file a claim?
To access and manage your coverage online, visit aflac.com/myaflac to register your account. Once registered online, you can take advantage of these features, available 24/7:

Submit a claim and track the status:

Simply select new claim, answer a few questions about what happened and upload your supporting documents. To prevent delays in processing your claim, be sure to:
- Enroll in direct deposit for faster claims payment.
- If applicable, upload your completed Physician’s Statement.
- Sign your claim digitally in the indicated areas and upload all billing and supporting documentation.
Once submitted, you can track your claim status as it is processing. Registration of a new MyAflac account can take up to 24 hours to take effect.

To submit your claim by mail, send your completed forms and supporting documents to P.O. Box 84075 Columbus, GA 31993, Attn: Claims Department. Claim forms are available on this web page in the Forms & resources tab.

Do I have to answer health questions or take a medical exam?

No, you don’t! If you enroll during your eligible enrollment periods, you have "guaranteed issue," which means you may qualify for coverage without answering health questions.

What if my employment status changes?

Good news! If you leave or retire from your current employer, you can continue your coverage without interruption (subject to applicable law and the plan’s terms and conditions). Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

When would my coverage start?

For annual enrollment, coverage is effective on the date shown on the Certificate after the application is received and approved. You must be actively at work on the coverage effective date.

For new hires and qualifying life events, coverage is effective the first of the month following the enrollment form approval date, provided the eligibility requirements are met.

Am I really free to use the payment any way I choose?

Yes, you are! There are no restrictions or requirements about how you can use your hospital cash benefit. You don’t even need to use it on expenses you incur while you’re IN the hospital – you can also use it for expenses after you’re discharged. You’re free to use this money on anything you choose, including out-of-pocket medical expenses and/or non-medical expenses such as regular monthly bills if you’re out of work.

How do I cancel my policy?

Call 1-866-250-4510 to initiate your policy cancellation.

Legal Disclaimers

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. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

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.

Columbia, South Carolina

AGC2400554 EXP 5/25

Mercer's Role & Compensation

View details of Mercer's disclosure of compensation

Hospital Indemnity | Alfac

Hospital Indemnity Insurance

Helps you pay for out-of-pocket expenses that result from a covered hospital stay.

Here's what you need to know

How It Works

Frequently Asked Questions

Are you ready To Enroll?

	Low	High
Employee	$5.86	$11.10
Employee + Spouse	$11.83	$22.43
Employee + Child	$9.27	$17.56
Family	$15.24	$28.89