Hospital Indemnity Insurance

Hospital Indemnity Insurance  


Even with medical coverage, the cost of a hospital stay can really add up. Hospital indemnity insurance provides you with a lump-sum payment to use as you see fit if you experience a covered event.

Hospital indemnity insurance provides a one-time payment for admission to the hospital and then a daily benefit amount for the length of your hospital stay (up to 15 days).

If you are admitted to the hospital, the benefits you might receive are listed below:

Benefit Type

Benefit Payment

Admission Benefit

$1,000 for the day of admission

Confinement Benefit

(paid for up to 15 days per calendar year)

$100 per day

ICU Supplemental Confinement Benefit

(paid for up to 15 days per calendar year)

$100 per day

How to Enroll


Log on to myHR through the HR Programs & Benefits page on DLife or at from home. 

Contact Us
myHR Service Center
844-DFS-myHR (844-337-6947)
8am - 6pm Central Time, Monday through Friday, except certain holidays

How It Works

Tell Me More


Sarah enrolls in hospital indemnity insurance during annual enrollment, and her coverage becomes effective on January 1, 2020.  Sarah is admitted to the hospital on May 1, 2020 and delivers a healthy baby boy.  She spends 2 days in the hospital before she is released.

Admission:  $1,000

Confinement (day 2):  $100

Total benefit:  $1,100

As long as the baby is born after the effective date of coverage, the admission and hospital stay for the mother will be covered. 


Below are the deductions that would be withheld from your biweekly paycheck if you elect hospital indemnity insurance:

You Only

You + Spouse / Domestic Partner

You + Child(ren)

You + Family





How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.
  • What is hospital indemnity insurance?

    Hospital indemnity insurance pays a daily benefit if you or your covered dependents 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.


    Note: Hospital indemnity insurance is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

  • How can hospital indemnity insurance help me?

    Below are a few examples of how your hospital indemnity insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for hospital indemnity insurance?

    You just need to enroll during your enrollment period and be actively at work for your coverage (and your elected family member’s coverage) to be effective.

  • When can I enroll?

    Enrollment is limited to the annual enrollment period. Outside of annual enrollment, you may only enroll in or change this coverage if you experience a Qualified Life Event.

    If you are a new hire, you can enroll during your new hire enrollment period.

  • Will my rates increase as I get older or if I file a claim?

    No, your rates will not increase due to age, health or individual claims.

  • Will I have to take a medical exam to get this coverage?

    No. Your hospital indemnity insurance is guaranteed issue, which means your acceptance is guaranteed, provided you enroll during the enrollment period and are actively at work. There are no medical exams to take and no health questions to answer.

  • Is pregnancy covered?

    Yes – pregnancies without complications and pregnancies with complications are covered.


Hospital Indemnity - Plan Overview

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


Hospital Indemnity Outline of Coverage
Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.