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