Hospital Indemnity Insurance

The definition of “hospital” does not include an institution or any part of an institution used as: a hospice unit, including any bed designated as a hospice or swing bed; a convalescent home; a rest or nursing facility; a freestanding surgical center; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care for the aged; or care or treatment for persons suffering from mental diseases or disorders or drug or alcohol addiction. “Critical care unit” and “rehabilitation facility” are also defined in the certificate.

In New York: The definition of a hospital does not include, other than incidentally, a place of rest, a place primarily for the treatment of tuberculosis, a place for the aged, a place for drug addicts, alcoholics, a place for treatment of persons suffering from mental diseases or disorders or a place for convalescent, custodial, or educational or rehabilitory care.

Hospital means a short-term, acute, general hospital, which:

• Is primarily engaged in providing, by or under the continuous supervision of physicians, to inpatients, diagnostic services and therapeutic services for diagnosis, treatment and care of injured or sick persons;
• Has organized departments of medicine and major surgery;
• Has a requirement that every patient must be under the care of a physician or dentist;
• Provides 24-hour nursing service by or under the supervision of a registered professional nurse (R.N.);
• If located in New York State, has in effect a hospitalization review plan applicable to all patients which meets at least the standards set forth in section 1861(k) of United States Public Law 89-97 (42 USCA 1395x(k));
• Is duly licensed by the agency responsible for licensing such hospitals; and
• Is not, other than incidentally, a place of rest, a place primarily for the treatment of tuberculosis, a place for the aged, a place for drug addicts, alcoholics, a place for treatment of persons suffering from mental diseases or disorders or a place for convalescent, custodial, or educational, or rehabilitory care

See the certificate and any riders for a complete description of benefits, exclusions and limitations.

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 Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY). Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Both are members of the Voya® family of companies. Voya Employee Benefits is a division of both companies. Hospital Confinement Indemnity Insurance Policy form #RL-HI2-POL-18, Certificate form #RL HI2-CERT-20; in New York Hospital Confinement Indemnity Insurance Policy form #RNY-HI2-POL-18, Certificate form #RNY-HI2-CERT-20.  Form numbers, provisions and availability may vary by state and employer’s plan.