Hospital stays are rarely an enjoyable experience. For starters you probably aren’t feeling well or are receiving some kind of treatment. On top of that, costs add up quickly—from medical bills; to travel, food and lodging costs; to the day-to-day expenses that don’t stop while you’re in the hospital. The financial pressures can be overwhelming. That’s where Hospital Confinement Indemnity Insurance can help.

Key Features

  • A limited benefit policy (not health insurance)1
  • Benefits based on the number of days spent in if you have a covered stay on or after your coverage effective date in a hospital2
  • Guaranteed issue: no medical questions or tests are required for coverage
  • You can use the benefit payments for any purpose you like to pay for things you need – coinsurance, lodging, child care
  • Assistance with out-of-pocket expenses that may not be fully covered by health insurance
  • Coverage may follow you if you leave your employer3
  • Visit the Claims Center to start a claim, upload a claim form, download a claim form or find a claim contact.

Suitable For

  • Individuals looking for additional protection in case of either illness or injury
  • Individuals facing large health insurance deductibles 


Eligibility limits
  • Available through your employer’s benefits program
  • Must meet employer’s eligibility requirements3
  • Optional spouse, domestic partner or dependent children coverage


  • Premiums are typically lower when you purchase group coverage through your employer
  • Premiums are conveniently deducted from your paycheck

Additional Details

1Hospital confinement indemnity insurance is a limited benefit policy. This is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. 

2A hospital does not include an institution or part of an institution used as: a hospice unit; a convalescent home; a rest or nursing facility; a free-standing surgical center; a rehabilitative facility; 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.

3This varies by state and the hospital confinement indemnity insurance plan offered by your employer.  

Use the EFT Form to request monthly premium payment via EFT, if you are paying premiums directly to the insurance company.

Use the Service Request Form to request a duplicate Compass Hospital Confinement Indemnity certificate, if you are paying premiums directly to the insurance company.

Voya Cares®

Voya Cares is here to help caregivers along the journey of supporting their loved one with special needs or disabilities.

One of the first steps is to help employees understand how their benefits align with their vision of their loved one’s future.

In conjunction with the Voya Cares program, Voya Employee Benefits can provide employees access to additional education & guidance tools via the Voya Cares Online Resource Center. This website provides helpful information including: financial planning checklists, case studies, articles, whitepapers and community support resources; for those with special needs or disabilities and their family members.

  • Planning checklists and action items
  • Guide to understanding government assistance benefits
  • Community resource finder
  • Beneficiary designation case study

To learn more visit

Next Steps

Additional Resources

This information is a brief description of coverage. The policy and riders should be read carefully for exact terms and conditions, exclusions and limitations. Policy Form # RL-HI-POL-12. Policy form numbers, product availability and benefit provisions may vary by state.

Voya Employee Benefits insurance products and services are provided by ReliaStar Life Insurance Company (Minneapolis, MN) and ReliaStar Life Insurance Company of New York (Woodbury, NY), members of the Voya® family of companies. Within the State of New York, only ReliaStar Life Insurance Company of New York is admitted, and its products issued. Voya Employee Benefits is a division of both companies.  Product availability and specific provisions may vary by state.