Hospital Indemnity

Hospital Indemnity  


Hospital Indemnity Insurance can complement your health insurance to help you pay for the costs associated with a hospital stay. It can also provide funds for the out-of-pocket expenses your medical plan may not cover, such as co-insurance, co-pays and deductibles.


How does it work?


This insurance provides cash benefits that correspond with first day hospital confinement, daily hospital confinement and hospital intensive care.


You may receive a benefit for the following:

  • Covered hospital admission
  • Each day of your covered hospital stay
  • Emergency-room treatment for an accident
  • Ambulance or air ambulance transportation


Advantages of the plan

  • Coverage is available to all eligible employees who are actively at work
  • You can buy coverage for your spouse and dependent children
  • This plan includes convenient payroll deduction, so you don’t have to remember to write a check for your plan
  • Coverage is portable. You may take the coverage with you if you leave the company or retire without having to answer new health questions

Add hospital indemnity insurance to help offset hospitalization expenses that may not be covered under your employer’s existing medical plan.


To enroll, contact the Henkel Benefit Admin System or call the number below:


Tell Me More

The average price of a hospital stay is $97001


Not counting ambulance, intensive care treatment and dozens of other expenses medical insurance may not cover. With Hospital Indemnity Insurance, you collect a lump sum each day you’re in the hospital – for any reason.


That money can help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need.

  • Pays when you’re hospitalized, regardless of the reason
  • Lump sum paid directly to you
  • Pays benefits in addition to your medical insurance
  • Pregnancy costs covered
  • No proof of good health needed to enroll
  • You can keep your coverage if you leave your employer


1Kashihara, D. and Carper, K. National Health Care Expenses in the U.S. Civilian Noninstitutionalized Population, 2009. MEPS Statistical Brief #355. January 2012. Agency for Healthcare Research and Quality, Rockville, MD. (Accessed August 22, 2012).

Hospital Indemnity Insurance is provided by policy form GVSP2, or state variations thereof. This information has exclusions and limitations and is incomplete without brochure POD3432 and the accompanying insert.

Allstate Benefits is the marketing name used by American Heritage Life Insurance Company (Home Office, Jacksonville, FL), a subsidiary of The Allstate Corporation.

Contact Us

Mercer Voluntary Benefits
12421 Meredith Drive
Urbandale, IA 50398
 M-F 9a-6p ET

How It Works


Answers about the plan, including eligibility, options, enrollment, customer service and more.

  • What is Hospital Indemnity Insurance?

    Hospital Indemnity Insurance pays a daily benefit if you have a covered stay in a hospital, critical care unit or rehabilitation facility. The benefit amount is determined based on the type of facility and the number of days you stay. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.


    Features of Hospital Indemnity Insurance include:

    • Flexibility: You can use the benefit money for any purpose you like
    • Payroll deductions: Premiums paid through convenient payroll deductions
    • Affordable coverage: Rates are typically lower when you purchase coverage through your employer
    • Portable: Should you leave your current employer or retire, you can take the policy with you and select from a variety of payment plans
  • How can Hospital Indemnity Insurance help?

    Below are a few examples of how your Hospital Indemnity Insurance benefit could be used (coverage amounts may vary):

    • Medical expenses, such as deductibles and copays
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible for Hospital Indemnity Insurance?

    • You—all active employees working 30+ hours per week
    • Your spouse*under age 70. Coverage is available only if Employee coverage is elected
    • Your child(ren)—to age 26. Coverage is available only if Employee coverage is elected


    *The use of “spouse” in this document means a person insured as a spouse as described in the certificate of insurance or rider. This may include domestic partners or civil union partners as defined by the group policy. Please contact your employer for more information.

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.