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 add up. Hospital Indemnity Insurance pays benefits directly to you if you are admitted into a hospital for care or childbirth. Benefits are paid even if you have other coverage.

You receive a benefit as soon as you are admitted and then 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 or inpatient rehabilitation.


Anyone who enrolls in Hospital Indemnity Insurance and uses the Virginia Hospital Facility for care will get an additional 25% payout. For example:


A man suffers a stroke and is admitted to the Intensive Care Unit of the hospital for three days, then to a regular hospital room for five days, followed by 10 days in the rehab facility.

Outside of VHC Facility

Within a VHC Facility

Admission

$1,000

$1,250

ICU Admission

$1,000

$1,250

ICU Confinement

$800

$1,000

5 Days – Daily Confinement

$1,000

$1,250

10 Days – Rehab Confinement

$2,000

$2,000

Total

$5,800

$6,750

Coverage Options  

Monthly Cost to You

Employee

$30.53

Employee & Spouse 

$52.71

Employee & Children 

$44.47

Employee & Spouse/Child(ren) 

$66.65

Plan Features

  • Portable Coverage: You can take your policy with you if you change jobs or retire.


  • Family Coverage: Coverage options are available for your spouse and children.*


  • Health Screening Benefit: Provides a $50 benefit per covered person per calendar year if you or your covered dependents complete a covered health screening test such as a physical exam, total cholesterol blood test, mammogram, lipid panel, and more.

*If you elect coverage for your spouse, you must provide notification to your employer if your spouse no longer meets the definition of a spouse.
If you elect coverage for your dependent children, you must provide notification to your employer when all of your dependent children exceed the dependent child age limit or no longer otherwise meet the definition of a dependent child


This plan is not a replacement for medical insurance.


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