If you become injured or ill and are hospitalized, your health insurance will pay a portion of your medical 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.

Hospital Confinement 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.

Two plan options available - Low Plan and High Plan:

• Low Plan Benefit:
  • $1,000 hospital admission benefit plus daily benefit of $100 per day or
    $200 per day for ICU Benefit beginning on day 2 for up to 31 days.
• High Plan Benefit:
  • $2,000 hospital admission benefit plus daily benefit of $200 per day or
    $400 per day for ICU Benefit beginning on day 2 for up to 31 days.

Features of this insurance include:

• Payment directly to you
• Benefits correspond for treatment including hospitalization, critical care unit or rehabilitation facility.
• Discretionary spending as you choose (e.g., medical costs, lost wages, childcare, groceries, rent/mortgage, etc.)
• Guaranteed issue
• Benefits for spouses and children available
• Ability to keep your coverage if you leave your employer
• Offered by a leading hospital indemnity insurance provider: Voya Employee Benefits

^*A hospital does not include an institution or part of an institution used as: a hospice care unit; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative center; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care or treatment for persons suffering from mental diseases or disorders, or care for the aged, or drug or alcohol addiction. “Critical care unit” and “rehabilitative facility” are specifically defined in this policy. See the certificate for details.

Hospital Confinement Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

Answers about the plan, including eligibility, options, enrollment, customer service and more.

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. Policy form RL-HI2-POL-18; Certificate form RL-HI2-CERT-20; Spouse Hospital Confinement Indemnity Rider form RL-HI2-SPR-18; Children’s Hospital Confinement Indemnity Rider form RL-HI2-CHR-18; Continuation of Insurance Rider form RL-HI2-CNT-18; Diagnostic Test Benefit Rider form RL-HI2-DGR-18; Wellness Benefit Rider form RL-HI2-WELL-18; Accident Benefit Rider form RL-HI2-ACD-18; Critical Illness Rider form RL-HI2-CIR-18; and Waiver of Premium Rider form RL-HI2-WOP-18. Form numbers, provisions and availability may vary by state and by your employer’s plan.

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