Hospital Indemnity Insurance

Hospital Indemnity Insurance


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. Features of this insurance include:

  • Pays a daily benefit amount of $100 or $200/day/hospital stay based on the plan you choose. Pays this lump sum benefit directly to you and is paid in addition to your medical insurance.
  • Rates are typically lower when you purchase group insurance coverage through your employer. Your premium is conveniently deducted from your paycheck.
  • Guaranteed acceptance means no medical questions or tests are required for coverage. Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or time away from work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)
  • 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.


To enroll, visit FMC Employee Self-Service (ESS)


For more information, visit the Voya microsite.

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How It Works


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

  • Who is the provider?

    Hospital Confinement 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.
  • Who is eligible?

    This policy is available for individuals, single-parent families, individuals with spouses* or another adult dependent and families.

    *The use of “spouse” means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

  • When can I enroll?

    As a new hire, you can enroll within your employer’s benefits eligibility guidelines. Outside of your new hire or new life event period, enrollment is limited to the company’s annual enrollment.  Please contact your employer for further details.
  • What if my employment status changes?

    When you leave or retire from your current employer or transfer to contingent status, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company you will be billed directly by the insurance carrier
  • What benefits are included in this plan?

    The following list includes the benefits provided by Hospital Confinement Indemnity Insurance. The benefit amounts paid depend on the type of facility and number of days of confinement. For a complete description of your available benefits, along with applicable provisions, exclusions and limitations, see your certificate of insurance and any riders.

    • Hospitalization
    • Critical care unit (CCU)
    • Rehabilitation facility
    • Initial Confinement Benefit

    Below are a few examples of how your Hospital Confinement Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Is there anything the plan doesn’t cover?

    To keep rates affordable, this plan does not cover:

    • Participation or attempt to participate in a felony or illegal activity.
    • Operation of a motorized vehicle while intoxicated.
    • Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane.
    • War or any act of war, whether declared or undeclared, other than acts of terrorism.
    • Loss that occurs while on full-time active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion.
    • Alcoholism, drug abuse, or misuse of alcohol or taking of drugs, other than under the direction of a doctor. 
    • Elective surgery, except when required for appropriate care as a result of the covered person’s injury or sickness.
    • Riding in or driving any motor-driven vehicle in a race, stunt show or speed test.
    • Operating, or training to operate, or service as a crew member of, or jumping, parachuting or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded.
    • Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kite surfing or any similar activities.
    • Practicing for, or participating in, any semiprofessional or professional competitive athletic contests for which any type of compensation or remuneration is received.

    *Exclusions and limitations may vary by state. Consult your certificate of insurance for exact language. 

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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Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.