Hospital Indemnity Insurance

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

If you were hospitalized tomorrow would you be prepared for the cost?

Most people aren't prepared for the costs that are associated with unexpected hospital visits. Our Hospital Indemnity Insurance provides you with cash directly to use for costs not covered by your heath insurance, deductibles, copays, living expenses while you recover, etc. Here are some important coverage details:

Cash payments to you during hospitalization

Select a daily benefit of $200, $100, $75, or $50.

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

Children receive 40% of your selected benefit and spouses daily benefit amount limited to $100 maximum.

Specially negotiated member rates

Negotiated rates that you can pay through payroll deductions.

For questions call 1 (800) 422-4492,
Monday through Friday, 8:30 AM to 5 PM (ET)

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.

Hospital Indemnity Insurance

Who may enroll in the plan?

What is double benefit for common accident?

Is there increased payment for the Intensive Care Unit?