Hospital Indemnity Insurance

Hospital visits can lead to mounting medical expenses and troubled thoughts. But during these stressful times, you deserve to focus on what's important—rest and recovery.


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 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 (naic.org) under "Insurance Departments."
  • If you have this policy through your job, or a family member’s job, contact the employer.

Hospital Indemnity Insurance through the AVMA LIFE Trust offers support when you may need it, and can be used for:

  • Outpatient or inpatient surgery
  • Paying for a private room
  • Making deposits to your health savings account


Coverage Overview

  • Daily benefit of $100 to $400 (in $50 increments) for yourself, and an equal or lesser amount for your eligible dependents
  • Daily benefit paid to you for each day of a covered hospitalization, for up to 500 days for each benefit period
  • Can pay double your daily benefit for intensive care confinement
  • Ambulance benefit
  • Pregnancy benefits
  • And much more

APPLY ONLINE!

It has never been easier to apply for coverage through the AVMA LIFE Trust. Click the button below to obtain the coverage you can trust.

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Information

Read on for features, costs, eligibility, renewability, exclusions, and limitations, to see if this coverage is right for you.

Hospital Indemnity Brochure

Hospital Indemnity Flyer

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Applications

Download and mail a completed application.

Member Supplement

forms

Hospital Indemnity Claim Form

HIP Claims Guide

What to Expect During Underwriting

Carrier

New York Life Insurance Company, NY, NY 10010 on group policy Form GMR. New York Life is licensed/authorized to transact business in all of the 50 United States, the District of Columbia, Puerto Rico, and Canada. However, not all group insurance it underwrites are available in all jurisdictions. Please check the applicable insurance brochures for current availability. New York Life’s state of domicile is New York, and NAIC ID # is 66915.

NYL-5033942