BENEFITS AT A GLANCE
Employees can elect the AFLAC Hospital Confinement Indemnity benefit. This policy provides a daily benefit for eligible hospital confinements. Employees can use the benefit as they choose – for instance, to help offset copays, coinsurance or deductibles that may be tied to a hospitalization or lost time from work.
PLAN DESIGN
Employees have a choice of coverage level (Daily benefit amount) at annual enrollment. Employees can choose a daily benefit of $100 or $300, and can include coverage on spouse, child(ren) or family.
$100 Daily Benefit – High/Low Plan – Brochure
$300 Daily Benefit- High/High Plan – Brochure
| Benefits | Amount |
|---|---|
| Hospital Admission- one per calendar year | Daily Benefit x 5 |
| Hospital Confinement | Daily Benefit, up to 30 days per confinement |
| Hospital Intensive Care | Daily Benefit, up to 15 days per confinement |
| Rehabilitation Facility | 1/2 Daily Benefit up to 30 days per confinement |
| Waiting Period | None |
| Pre-Existing Limitations | None |
| Maternity Limitation | None |
| Age/Benefit Reductions | None |
ELIGIBILITY
Active, Full Time Employees, Spouse, Chid(ren) under age 26.
A spouse cannot be covered under the plan as an employee.
If both parents have employee coverage, only one parent can cover the children.
If the parent who is covering the children stops being insured as an employee, than the other parent may apply for Children’s coverage
CERTIFICATE OF COVERAGE
Aflac will mail certificates of coverage to employees once they become insured under the Group Hospital Indemnity Plan.
RATES
| Coverage | $100 | $300 |
|---|---|---|
| Employee | $14.16 | $32.12 |
| Employee + Spouse | $24.22 | $62.16 |
| Employee + Child(ren) | $20.38 | $50.66 |
| Family | $30.44 | $80.70 |
HOSPITAL ADMISSION
Payable when an insured is admitted to a hospital and confined as an inpatient because of a covered accidental injury or because of a covered sickness. Not payable for confinement to an observation unit, or for emergency room treatment or outpatient treatment.
HOSPITAL CONFINEMENT
Payable for each day that an insured is confined to a hospital as an inpatient as the result of a covered accidental injury or because of a covered sickness. If Aflac pays benefits for confinement and the insured becomes confined again within six months because of the same or related condition, Aflac will treat this confinement as the same period of confinement. This benefit is payable for only one hospital confinement at a time even if caused by more than one covered accidental injury, more than one covered sickness, or a covered
accidental injury and a covered sickness.
HOSPITAL INTENSIVE CARE
Payable for each day that an insured is confined in a hospital intensive care unit because of a covered accidental injury or because of a covered sickness. Aflac will pay benefits for only one confinement in a hospital’s intensive care unit at a time, even if it is caused by more than one covered accidental injury, more than one covered sickness or a covered accidental injury and a covered sickness. If Aflac pays benefits for confinement in a hospital’s intensive care unit and an insured becomes confined to a hospital’s intensive care unit again within six months because of the same or related condition, Aflac will treat this confinement as the same period of confinement. This benefit is payable in addition to the Hospital Confinement Benefit.
REHABILITATION FACILITY
Payable for each day that, due to a covered accidental injury or a covered sickness, an insured receives treatment as an inpatient at a rehabilitation facility. For this benefit to be payable, the insured must be transferred to the rehabilitation facility for treatment following an inpatient hospital confinement. Aflac will not pay the Rehabilitation Facility Benefit for the same days that the Hospital Confinement Benefit is paid.