Hospital Indemnity Insurance

Hospital Indemnity Insurance  


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, including coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.


Tell Me More

With Group Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays and expenses. The money can 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 depending on plan option. This lump sum cash benefit is paid directly to you (unless otherwise assigned) and is paid in addition to your medical insurance.
  • You pay an employee group rate.
  • Guaranteed-issue coverage provided you enroll during the enrollment periods.
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with childcare, or lost income from missing work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)
  • Who is eligible?
    • You — if you are an active employee working 16+ hours per week
    • Your spouse — 18+. Coverage is available only if Employee coverage is elected
    • Your child(ren) — under age 26. Coverage is available only if Employee coverage is elected


There are two Hospital Indemnity plans to choose from:

BNY Mellon - Aflac Hospital Indemnity Plan Comparison Chart

  Low Plan Hign Plan
Hospital admission $1,000 per admission $2,000 per admission
ICU admission Included In hospital admission Included In hospital admission
Daily hospital limit
(Up to 31 days)
$100 $200
Daily ICU benefit
(Up to 10 days. Paid in addition
to daily hospital benefit)
$100 $200
Pregnancy coverage
Normal and complications
Newborn coverage
Newborns covered for 60 days at no additional cost
Well-baby newborn: Daily hospital confinement payable
Ill/Injured newborn: Hospital admission benefit payable, If admitted to ICU
Daily hospital and dally ICU confinement benefit payable
Intermediate intensive care
step-down unit
(Up to 10 days. Payable in
addition to daily hospital
$50 $100
Mental health and substance abuse
Covered if admitted to a hospital
Participation requirement: None
Pre-existing conditions: None
Successor Insured coverage


AGC2002781R1                                                                                                                                                              EXP 3/24


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




Please make note of these details to help you enroll.


Case ID: B580
User ID: Your User ID is your 9-digit Employee ID (include the leading zeros)
Password: Your password is your 4 digit year of birth


For example, if your Employee ID is 123456 and you were born on 5/11/1979, your sign-on would be:
User ID: 000123456
Password: 1979

Contact Us

How It Works


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


Hospital Indemnity - Plan Overview


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 an 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 voluntary 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.


    For groups sitused in California, group coverage is underwritten by Continental American Life Insurance Company. For groups sitused in New York, coverage is underwritten by American Family Life Assurance Company of New York.

  • How can this help me?

    This plan pays a daily benefit if you have a covered stay in a hospital. The benefit amount is determined based on the number of days you stay. This coverage is a limited benefit plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


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


    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses such as utilities and groceries
  • 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.
  • How much will this coverage cost?

    Your cost is based on several factors including the plan design and whether you’d like coverage for you, your spouse and/or children.

    BNY Mellon - Aflac Hospital Indemnity Monthly Premiums








    Employee + Spouse



    Employee + Child






  • 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 plan's terms and conditions. Although payroll deduction will no longer be available, you can opt for other payment methods such as direct bank account deduction, credit card billing or home billing. Higher rates may apply.

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.