Hospital Indemnity
Insurance Support

Limited Benefit Hospital Indemnity Insurance is a supplemental medical product designed to provide benefits that cover certain out-of-pocket medical expenses related to treatment received in a hospital. The specific benefit amounts are not based on out-of-pocket expenses but rather on the number of days treatment lasts and plan level. 

Hospital indemnity insurance also helps cover hospital stays for sickness or accidents and has treatment benefits for injuries incurred due to a covered accident. 

Learn more about hospital indemnity insurance 

Yes. This plan is HSA-qualified, allowing you to get the tax benefit and potential savings from an HSA while helping pay for large, out-of-pocket expenses. 

No. Hospital indemnity insurance is designed to offer benefits per day spent receiving inpatient or outpatient treatment while gap insurance pays toward the deductible, co-insurance, or other out-of-pocket expenses related to inpatient confinement or treatment. Hospital indemnity insurance is compatible with an HSA but doesn’t coordinate with a major medical plan. Gap insurance coordinates with most major medical insurance plans, but not a High Deductible Health Plan (HDHP) or a Health Savings Account (HSA). 

To learn more about the differences between gap and hospital indemnity insurance, read this blog 

Benefits are paid directly to you, so you may use the money toward medical costs or daily living expenses as needed. 

For American Fidelity to release information to anyone other than the insured, the insured will need to complete the Friends/Family Authorization to Disclose Information Including PHI form.

Or, the insured may create and submit a signed and dated statement indicating who they are giving authorization to speak on their behalf.  If the insured is unable to sign their own authorization, we would need a Power of Attorney on file to release any information.

The fastest way to file a hospital indemnity insurance claim is through your online account or our mobile app, AFmobile^®.

• Online or AFmobile
  1. Log in to your online account or open your AFmobile app.
  2. Click the File a Claim button.
  3. Select the type of claim you would like to file.
  4. Follow the prompts to provide claim details and required documentation.
  5. Check the acknowledgment box and click the Submit button.
• Fax or Mail
  1. Download and complete a hospital indemnity claim form here.
     Note: Paper claim filing is not the fastest option. 

You can download and print a paper claim form here. Please note, paper claim filing is not the fastest option. File a claim online or through AFmobile to get your money faster.

When filing a hospital indemnity insurance claim, you will need to provide the following documentation:

• Statement of Insured, completed via online claim filing or paper claim form
• Itemized Bills with diagnoses for all inpatient confinement, imaging, and advanced studies claims
• Medical Records or Office Notes for treatment related to critical illness or accident claims

We may also need:

• Authorization to Disclose Information Including PHI: This form gives us authorization to get records from your medical provider(s) and others who may hold information necessary for us to review your claim. Upload the form via your online account, or mail or fax it.

Claims are generally processed within seven business days after all required documentation is submitted.

The fastest way to check the status of a claim is through your online account, or on our mobile app, AFmobile^®.

• Online
  1. Log in to your online account
  2. Click on the Claims tab
• AFmobile
  1. From the AFmobile dashboard, scroll down to Insurance Claims
  2. Once a claim has been processed, find the status of the claim under the insurance policy name

For eligible claims, you will receive a benefit for each day spent in the hospital if your stay was at least 18 consecutive hours.

Our hospital indemnity insurance includes additional benefits for treatment by a physician in an emergency room, physician's office, or urgent care due to a covered accident. For example, eligible claims may include ER and surgery benefits. Log in to view your policy details 

Tip: For accident claims, you will need to submit a copy of your medical records in order for us to administer your benefits correctly.

Yes. Eligible employees and dependents covered under their employer’s or spouse’s major medical or comprehensive medical policies are eligible for hospital indemnity insurance.

Pre-existing conditions will not be covered for the first 12 months unless state deviations apply. Log in to your online account to view your policy details.