What’s Covered and What’s Not Covered

Hospital Indemnity will pay a benefit in the event that you or a covered dependent is admitted to the hospital due to:

    • Illness
    • Accident
    • Planned or unplanned surgery (If surgery is due to an accident, it must take place within six months of the accident)
    • Pregnancy
    • Cosmetic reconstructive surgery due to a covered accident, illness or congenital disease, or congenital defects in newborns
    • Gender-affirming surgeries

Hospital Indemnity Insurance will not pay a benefit if the hospitalization is due to certain reasons. For a full list, see the  .

  • War
  • Suicide
  • Self-Inflicted Injuries
  • Racing
  • Illegal Occupation
  • Professional or Semi-Professional Sports
  • Custodial Care
  • Treatment for being overweight, gastric bypass or stapling, intestinal bypass, and any related procedures, including any resulting complications
  • Services performed by a Family Member
  • Sterilization, in vitro fertilization, vasectomy or reversal of a vasectomy, or tubal ligation
  • Elective Abortion
  • Dental Services or Treatment
  • Cosmetic Surgery, except when due to:
    • Reconstructive surgery, when the service is related to or follows surgery resulting from a Covered Accidental Injury or a Covered Sickness, or is related to or results from a congenital disease or anomaly of a covered dependent child; or
    • Congenital defects in newborns
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