Group Hospital Indemnity

Group Hospital Indemnity  


If you become injured or ill and are hospitalized, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill with coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.

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With Group Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays and expenses to help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Plus, this insurance offers these advantages:

  • Pays a daily benefit amount of $100 or $200/day/hospital stay for up to 31 days. Pays this lump sum cash benefit directly to you (unless otherwise assigned) and is paid in addition to your medical insurance.
  • Employee group rate. For rate information, please refer to the rate chart under the Learn More section.
  • Guaranteed–issue provided you enroll during the Enrollment Period.
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or lost income from missing work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)

Open Enrollment from Oct. 12-26.
Click Enroll Now or call 1-866-795-0156.

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • Who is the provider?


    Aflac is a Fortune 500 company, providing financial protection to more than 50 million people worldwide. When a policyholder or insured gets sick or hurt, Aflac pays cash benefits fairly and promptly, directly to the insured (unless assigned otherwise). For more than six decades, Aflac supplemental insurance plans have given insureds the opportunity to focus on recovery, not financial stress.


    Continental American Insurance Company (CAIC), a proud member of the Aflac family of insurers, is a wholly-owned subsidiary of Aflac Incorporated and underwrites group coverage. CAIC is not licensed to solicit business in New York, Guam, Puerto Rico, or the Virgin Islands. This is a brief product overview only. Products and benefits vary by state and may not be available in some states. Plan design and optional benefits are selected at the employer level. The plan has limitations and exclusions that may affect benefits payable. Refer to the plan for complete details, limitations, and exclusions.

  • How can this help me?

    Group Hospital Indemnity Insurance pays you cash benefits directly (unless otherwise assigned) to help with the costs associated with a covered hospital stay. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Benefits of the plan include:

    • Hospital Confinement Benefit
    • Hospital Admission Benefit
    • Hospital Intensive Care Benefit
    • Intermediate Intensive Care Step-Down Unit


    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible?

    You and your eligible family members just need to enroll during your enrollment period and be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.

  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period, unless you experience a qualifying life event.

  • How much will this coverage cost?

    Coverage is available with your employer's group rates which are priced to fit most budgets. See rates under "Forms" for details.

  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the plans' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. See plan for complete details.


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


Hospital Indemnity - Brochure
Hospital Indemnity - High Rate Chart
Hospital Indemnity - Low Rate Chart
Our Role & Compensation

Details of the Mercer disclosure of the compensation.