Voluntary Hospital Insurance

How would you pay for a hospital stay? Even with medical coverage, out-of-pocket costs can add up. But with Cigna Hospital Care, you are paid directly with a check after a qualified hospitalization resulting from a covered injury or illness. You can use the money however you’d like. For example, it can help you pay for expenses related to child care, travel, or other out-of-pocket expenses. There are no copays, deductibles, coinsurance, or network requirements. And benefits aren’t reduced because you receive a payment from any other coverage you have, such as medical, accidental injury or critical insurance.

Protect yourself against high hospital stay costs with additional payments. The insurance policy has the following features:

  • Additional financial protection: Protection for you and your family when you need it most.
  • Cost-effective: You can sign up for this coverage at economical group rates, which means you may pay less for your coverage.
  • Convenient: Your insurance premiums can be deducted from your paycheck.
  • Portable: You can take your coverage with you if you leave your employer (at the same rates, up to age 100)
  • No medical evidence: You can enroll with no medical evidence, there is no pre-existing conditions clause, and pregnancy is covered on day 1.

Policy Benefits

Voluntary Hospital Insurance Summary



Pre-Existing Conditions Limit


Employee Benefit Amounts

100% of the benefit amount

Spouse/Dependent Benefit Amounts

100%/100% of employee amount

Hospital Admission

$1,000 per day/limited to 1 day per 90 days

Hospital Chronic Condition Admission

$50 per day/limited to 1 day per 90 days

Hospital Stay (limit 30 days)


Hospital ICU (limit 30 days)


Hospital Observation Stay (24-hour elimination period – limited to 72 hours)


Wellness Benefit