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    • Home Employers Supplemental Health Insurance Hospital Care (Indemnity) Insurance

    Hospital Care (Indemnity) Insurance

    Additional coverage to help with the costs of a hospital stay.

    Building a new benefits package?

    Let's Get Started

    Thank you for your interest in Cigna Healthcare. Please provide some basic information about your company and a representative will contact you.

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    Flexible Financial Assistance for Unexpected Hospital Stays

    A hospital stay can be expensive, and it can happen at any time. Even with medical coverage, out-of-pocket expenses such as rehabilitation, transportation, and child care can quickly add up. Help your employees focus on getting better, and worry less about hospital bills, with Hospital Care (Indemnity) insurance from Cigna HealthcareSM*.

    Benefits of Indemnity Insurance for Your Employees

    Cash Benefit

    Payment is given to the covered person for hospital stays resulting from a covered injury or illness. Benefits may be paid directly to the hospital upon assignment.1

    Flexible

    Employees can use the money however they want, including medical deductibles, child care, groceries, and more.

    Supplements a Medical Plan

    Benefits are paid in addition to other coverage an employee may have.

    Cost Effective

    Premium is conveniently deducted from an employee's paycheck at a low group rate.

    Benefits are Portable

    Employees can keep their coverage if they leave their employer.2

    Maximize employee benefit payments with Cigna Simple File®

    • Auto compare3 – For customers who also have medical coverage, we carefully review medical claims and remind customers to submit their eligible hospital care (indemnity) claim.

    • Auto claim3 – For customers who also have our 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.
    VIDEO

    Hospital Care Insurance

    Watch how our Hospital Care insurance can provide assistance for out-of-pocket expenses during hospital stays. (Length: 00:01:53)
    Watch Video

    *Insured by Cigna Health and Life Insurance Company

    View Cigna Healthcare Company Names

    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 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.

    If you provide a mobile number, you acknowledge that clicking "Submit" below shall constitute your electronic signature and agreement to receive marketing communications which may be sent through an automatic telephone dialing system or prerecorded message from Cigna Healthcare at the mobile number provided. This consent is not required to purchase products or services from Cigna Healthcare.

    THESE POLICIES PAY LIMITED BENEFITS ONLY. THEY ARE NOT COMPREHENSIVE HEALTH INSURANCE COVERAGE AND DO NOT COVER ALL MEDICAL EXPENSES. THIS COVERAGE DOES NOT SATISFY THE “MINIMIUM ESSENTIAL COVERAGE” OR INDIVIDUAL MANDATE REQUIREMENTS OF THE AFFORDABLE CARE ACT (ACA). THIS COVERAGE IS NOT MEDICAID OR MEDICARE SUPPLEMENT INSURANCE.

    Product availability may vary by location and plan type and is subject to change. All group insurance policies may contain exclusions, limitations, reduction in benefits, and terms under which the policy may be continued in force or discontinued. For costs and details of coverage, contact your Cigna Healthcare representative.

    Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group, including Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare names, logos, and marks are owned by Cigna Intellectual Property, Inc.

    Hospital Care Insurance
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    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., Cigna HealthCare of Georgia, Inc., Cigna HealthCare of North Carolina, Inc., Cigna HealthCare of South Carolina, Inc., and Cigna HealthCare of Texas, Inc. Group health insurance and health benefit plans are insured or administered by CHLIC, Connecticut General Life Insurance Company (CGLIC), or their affiliates (see a listing of the legal entities that insure or administer group HMO, dental HMO, and other products or services in your state). Accidental Injury, Critical Illness, and Hospital Care plans or insurance policies are distributed exclusively by or through operating subsidiaries of The Cigna Group Corporation, are administered by Cigna Health and Life Insurance Company, and are insured by either (i) Cigna Health and Life Insurance Company (Bloomfield, CT). The Cigna Healthcare name, logo, and other Cigna Healthcare marks are owned by The Cigna Group Intellectual Property, Inc.

    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 Healthcare sales representative. This website is not intended for residents of New Mexico.

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    La aseguradora publica el formulario traducido para fines informativos y la versión en inglés prevalece para fines de solicitud e interpretación.

    The insurer is issuing the translated form on an informational basis and the English version is controlling for the purposes of application and interpretation.