Hospital indemnity coverage for employees
Pays cash directly to your employees to help with expenses not covered by their health insurance when they’re hospitalized.
Help protect your employees from unexpected costs
Unexpected or extended hospital stays can threaten the financial security of your employees and their families. Group Secure Hospital Indemnity Plan helps your employees take care of expenses not covered by their health insurance. Important coverage features include:
Cash benefits on day one
Your employees receive $50 per day for day one through day three.
Benefits continue and increase
Your employees receive $200 per day for day four through day 365. Day of discharge included.
Higher starting benefit for accidents
Your employees receive $200 daily starting on day one when hospitalized due to an accident.
Double benefits when in ICU
$200 benefit doubles to $400 per day when they’re admitted in intensive care or a coronary care unit within a hospital.
Use cash benefits for anything
Cash benefits are paid directly to your employees to spend as they choose, including gas, meals, lodging for family, babysitters, and more.
Acceptance guaranteed
Acceptance is guaranteed with minimum essential coverage.
Simple claim filing
Employees ask the hospital for an itemized statement of their stay and submit it with their Hospital Indemnity Plan Claim Form (pdf).
Easy to apply
No medical exam is required and there are no health questions to answer.
Plan details
The Secure Hospital Indemnity Plan (S-HIP) pays cash if you are hospitalized.
- Receive $50 per day (day 1 to 3)
- Receive $200 per day (day 4 to 365)
- Higher starting benefit for accidents
- Pays double benefits when in ICU
- $50 per day (day 1 to 3); $200 per day (day 4 to 365)
- $200 daily starting on day 1 when hospitalized due to an accident
- $200 benefit doubles to $400 per day when admitted in intensive care or a coronary care unit within a hospital
- Day of discharge is included
- All cash benefits are paid directly to employees to spend as they choose
- Acceptance is guaranteed with minimum essential coverage
- Simple claim filing
- No medical exam is required and no health questions to answer
- Coverage for dependents (unmarried dependents by birth or adoption to age 23 and unmarried dependents incapable of self-support) - see contract for details
- Any portion of a hospital admission that is primarily for skilled nursing care (including swing beds) rather than acute
- Admission for the primary purpose of performing acupuncture
- Admissions for dental care
- Admissions that are not medically necessary
- Inpatient skilled care, intermediate care, convalescent care, custodial/maintenance care or rest cures
- Admission to rehabilitation facilities (not acute care)
For groups to be eligible for this product, there must be participation greater of 2 or 25% of benefits-eligible employees.
Employees are eligible to enroll at initial opportunity, during a qualifying event, or during open enrollment. Enrollment in Minimum Essential Coverage is required:
- Minimum Essential Coverage is the type of coverage an individual needs to have to meet the individual responsibility requirement under the Affordable Care Act. This includes individual market policies, job-based coverage, Medicare, Medicaid, CHIP, TRICARE and certain other coverage.
Employees may not have duplicate hospital indemnity coverage through Blue Cross and Blue Shield of Kansas.
Should an employee be identified as having multiple hospital indemnity coverages, the duplicate policy or policies will be cancelled and the premiums will be refunded for each duplicate policy.
Are employees outside of Kansas eligible to enroll?
Yes
What is the rate structure for these plans?
This plan offers composite rates.
Are dependents eligible for coverage?
Coverage is available for employee only, employee & children, employee & spouse, and employee, spouse & children.
When can employees enroll?
Employees are eligible to enroll at initial opportunity, during a qualifying event, or during open enrollment.
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Life Insurance
Term life, accidental death & dismemberment, and dependent life options are offered through Advance Insurance Company of Kansas (AICK).
Contact a representative
Contact a Blue Cross and Blue Shield of Kansas representative with questions or to get a quote.
10+ Employees
Disclaimers
IMPORTANT: This is a fixed indemnity policy, NOT health insurance.
- This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.
- The payment you get isn’t based on the size of your medical bill.
- There might be a limit on how much this policy will pay each year.
- This policy isn’t a substitute for comprehensive health insurance.
- Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.
Looking for comprehensive health insurance?
- Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
- To find out if you can get health insurance through your job, or a family member’s job, contact the employer.
Questions about this policy?
- For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”
- If you have this policy through your job, or a family member’s job, contact the employer.