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Hospital Indemnity Insurance

Receive a daily cash benefit for up to $200 when hospitalized.

Disclaimer

IMPORTANT: This is a fixed indemnity policy, NOT health insurance

This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care.

  • The payment you get isn’t based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn’t a substitute for comprehensive health insurance.
  • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance?

  • Visit https://www.healthcare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.
  • To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy?

  • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (https://www.naic.org) under “Insurance Departments.”
  • If you have this policy through your job or a family member’s job, contact the employer.
We have the answers

Any active APWU member in good standing (Associates and PSEs are also eligible) who has been working full time (at least 20 hours/week) for 90 consecutive days and is not yet age 70 is eligible.

If two insured family members are hospitalized at the same time as a result of the same accident the daily benefit is doubled for each hospitalized person for the first 7 days of hospitalization. This could mean daily benefits up to $400 for a member or spouse or $160 for each insured child.

For each day you or your insured spouse are confined in a hospital intensive care unit, the daily benefit is increased by 50% for the first 7 days of hospitalization. Children are not eligible for this benefit.

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If you were hospitalized tomorrow would you be prepared for the cost?
Cash payments to you during hospitalization
Cash payments to you during hospitalization
Cash payments to you during hospitalization
Starts Paying Immediately
Starts Paying Immediately
Payments start during your first day of hospital confinement and are paid for up to 365 days.
Can cover your spouse or children
Can cover your spouse or children
Children receive 40% of your selected benefit and spouses daily benefit amount limited to $100 maximum.
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Questions? We're here to help APWU members and their families
Call 1 (800) 422-4492
Monday through Friday, 8:30AM to 5PM (ET)
30-Day Free Look
Once you receive your Certificate of Insurance, if you’re not 100% satisfied within the first 30 days, return your Certificate (without claim) and we’ll send you a full refund of any premiums paid during that period and your Certificate will be considered never issued. You will be under no further obligation.