If you become injured or ill and are hospitalized, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill with coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.
With Group Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays and expenses to help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Plus, this insurance offers these advantages:
You, your spouse, and eligible children qualify for this coverage.
Thanks to your employer’s group rates, you could pay less for this insurance than you would for individual insurance you’d find on your own.
Answers about the plan, including eligibility, options, enrollment, customer service and more.
Who is the provider?
A leading provider of employee benefits.
Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.
How can this help me?
Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.
Benefits of the plan include:
Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):
Who is eligible?
When can I enroll?
Enrollment is limited to the company's annual enrollment period.
What if my employment status changes?
When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.
Will my rates increase as I get older or if I file a claim?
No, your rates will not increase due to age, health or individual claims.
Will I have to take a medical exam to get this coverage?
This coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions). Exclusions and limitations will still apply to any coverage issued.