Hospital Indemnity Insurance

Receive payments to help cover the cost of a hospital stay.

If you are admitted into a hospital, it doesn’t take long for the out-of-pocket costs to pile up.


Reliance Standard Group Hospital Indemnity Insurance pays benefits directly to you, unless otherwise assigned, if you are admitted into a hospital due to a covered illness, injury, or childbirth. Benefits can be used any way you choose and are paid in addition to any other insurance you may have.


You receive a benefit for admission and an additional benefit based on the number of days you are confined to the hospital. The benefit increases if you are admitted and confined to an intensive care unit.


The benefits payable also increase by 50% if you are admitted, confined, or receive treatment at a Broward Health facility.

Plan Features

  • Guaranteed Acceptance: There are no health questions or physical exams required. 
  • Family Coverage: You can elect to cover your spouse and children. 
  • Wellness Benefit: The plan pays a $50 benefit for one covered health screening test per covered member, up to a maximum of four benefits per family per year. Covered health screening tests include diagnostic procedures, routine exams, immunizations, COVID-19 tests, and more. 
  • Portable Coverage: You can take your plan with you if you change jobs or retire (with certain stipulations). 


For information about costs and claims, please call 1-800-866-2301 or visit www.reliancestandard.com.

HOW HOSPITAL INDEMNITY INSURANCE WORKS

Taylor is feeling ill and seeks treatment at a Broward Health emergency room. Because she has a high fever, she is admitted into the hospital where she spends 2 days.


Taylor is grateful she has Hospital Indemnity Insurance, which pays her a benefit for being admitted into the hospital and an additional benefit for each day of her stay.


HOW TAYLOR'S BENEFIT WAS CALCULATED:


Medical Service / Sample Benefit

  • Hospital Admission ($1,000 per admission) = $1,000
  • Hospital Confinement of 2 days ($200 per day x 2 days) = $400
  • Broward Health Facility Benefit (additional 50%) = $700


TOTAL SAMPLE BENEFIT = $2,100


This scenario does not reflect the benefits of a specific Hospital Indemnity Insurance plan schedule. The benefits are generic benefits for the purposes of this example to show how the benefit total of a Hospital Indemnity Insurance plan is calculated. The plan offered to you may provide different benefit amounts and may not cover all services. See the plan details for the benefit schedule for the plan offered to you.