Hospital Indemnity Insurance Support

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.