Hospital Indemnity Insurance

Hospital Indemnity Insurance

Overview

If you become injured or ill 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.

 

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 anything you need. Plus, this insurance offers these advantages:

 

  • Pay you directly, so you can choose how to spend the money.
  • Goes with youf you leave your employer.
  • Provide coverage without answering any medical questions. 
  • Covers children at a 50% of your benefit amount at no additional cost.
  • Gives you the option to cover your spouse and children.
  • Protects your HSA Account
  • Provides the convenience of having your premium payments deducted directly from your paycheck.
Enrollment

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

 

ENROLL NOW

 

Note: To fine a claim visit standard.com and login. Downland how to file a claim pdf that is listed in the right column. For additional information please call 800-634-1743.

Contact Us

Questions about your payroll deductions for this benefit, open enrollment or other Bank of Hawai'i general benefits questions? The HR Service Center is ready to assist you!

Mercer Discretionary Benefits helps facilitate these plans with the Bank of Hawai'i.
 

 Address
Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 Phone
1-877-277-2898
 Hours
 M-F 8a-5p HST
 Email
hr@boh.com

How It Works

Hospital Indemnity - Plan Overview

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

 

Hospital Indemnity Insurance Summary
Hospital Indemnity Insurance Flyer
Preparing for Hospital Stay
How To File A Claim

FAQs

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

  • Who is the provider?

    Standard Insurance Company

    For more than 100 years, we have been dedicated to our core purpose: to help people achieve financial well-being and peace of mind. Headquartered in Portland, Oregon, The Standard is a nationally recognized provider of group employee benefits. to learn more about products from The standard, visit us at www.standard.com. 

     

    The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company. 

  • How can this help me?

    Hospital Indemnity Insurance pays a daily benefit if you 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.

    Benefits of the plan include:

    • First Day Hospital Confinement
    • Daily Hospital Confinement
    • Hospital Intensive Care

     

    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
  • When can I enroll?

    As a new hire, you can enroll within 31 days of your date of hire. All other employees, you may enroll during your annual enrollment period or within 31 days of your Change in Family Status.
  • Will I have to take a medical exam to get this coverage?

    This coverage is guaranteed-issue (which means you may qualify for coverage without having to submit to a medical exam or answer health questions).

 

The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued. 

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

Client Disclaimer

 

HMS is not available in all states or on all products.

Not all tests are available in all states or on all products. Please reference you certificate Group Accident, Critical Illness and Hospital Indemnity insurance are limited benefits polices. Group insurance is called Specific Disease insurance in New York and Vermont. Hospital Indemnity insurance is not available in all states.

The Standard is a marketing name from StandCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon, in all states except New York. Product features and availability vary by state and are solely the responsibility of Standard Insurance Company.

 

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.