You enroll in Hospital Indemnity Insurance
After insurance is in effect, you have a covered stay in a hospital
You file a claim and receive an eligible benefit payment.
Use your money however you want
Who offers this coverage?
Voya Financial
Voya Financial, Inc. (NYSE: VOYA), is a leading health, wealth and investment company offering products, solutions and technologies that help its individual, workplace and institutional clients become well planned, well invested and well protected.
Hospital Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Voya Employee Benefits is a division of ReliaStar Life Insurance Company.
When is a benefit paid under the plan?
Who in my family is eligible for this program?
Members of your family who are considered eligible to enroll for insurance include:
You must be enrolled in coverage for members of your family to also enroll.
How much does coverage cost?
Are there any exclusions or limitations?*
Benefits are not payable for any hospital-related condition that is contributed to, caused by or resulting from the following:
* Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language.
Do I have to answer health questions or take a medical exam?
What if my employment status changes?
When would my coverage start?
Am I really free to use the payment any way I choose?
What are pre-existing conditions and are they covered?*
A pre-existing condition is a sickness, injury or physical condition for which you received medical treatment, consultation, care or services (including diagnostic measure) during the first 12 months** prior to your coverage effective date. For the first 12 months** after your coverage effective date or any increase in coverage, we will not pay benefits for a confinement resulting from a pre-existing condition. After the first 12 months** of coverage or any increase in coverage, benefits are payable for any eligible confinement even if resulting from a pre-existing condition.
* Definition and limitation/exclusion may vary by state.
Carrier Disclaimers
This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya® family of companies. Hospital Confinement Indemnity Insurance Policy form #RL-HI2-POL-18; Certificate form #RL-HI2-CERT2-24; Spouse Hospital Confinement Indemnity Rider form #RL-HI2-SPR2-24; Children's Hospital Confinement Indemnity Rider form #RL-HI2-CHR2-24; Continuation of Insurance Rider form #RL-HI2-CNT2-24; Diagnostic Test Benefit Rider form #RL-HI2-DGR2-24; Wellness Benefit Rider form #RL-HI2-WELL2-24; Accident Benefit Rider form #RL-HI2-ACD2-24; Critical Illness Rider form #RL-HI2-CIR2-24; Waiver of Premium Rider form #RL-HI2-WOP2-24; and Absence from Employment Premium Waiver form: #RL-HI2-AEPW2-24. Form numbers, provisions and availability may vary by state and employer's plan.
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Mercer's Role & Compensation