Hospital indemnity

Cash payment for hospital or intensive care expenses

  • Hospital indemnity provides a boost to help pay your share of hospital expenses.
  • There are no 12-month pre-existing condition restrictions.
  • Coverage is available to employees under 70.
  • All employees pay the same rate.
  • No evidence of insurability is required.

Specifically, this Aflac Group plan provides a cash payment for hospital admission, confinement or intensive care expenses due to injuries received in a covered accident or because of a covered illness. To receive this benefit, you or your covered beneficiary must be admitted to a hospital within six months of the date of the covered accident or illness. Benefits are paid for stays of up to 365 days. You receive full benefits, even if you have other medical or insurance coverage. You don’t pay a deductible, and the benefits it pays are the same no matter which hospital you use.

Coverage options

Choose from two options.

The hospital admission benefit applies once for each covered pregnancy, accident or sickness. Coverage ends on the premium due date that falls on or first follows your 70th birthday or the last day of the month you turn 70.

Claiming benefits

Complete the claim form or call 800-433-3036 to receive reimbursement for covered medical expenses.

Send your claim form and supporting documentation within 60 days of being admitted to the hospital to:

Aflac Group
Hospital Indemnity Processing Unit
P.O. Box 427
Columbia, South Carolina 29202

Actively-at-work provision

If you’re not actively at work when coverage is scheduled to become effective, your coverage doesn't take effect until you complete your first day at work. Paid leave and paid vacation are not considered being actively at work.

Taking coverage with you

If you leave the district, your plan is convertible. Other exclusions may apply. For more information about conversion, click here.

Helpful resources

For more information, please refer to your certificate of coverage or contact Aflac Group at 800-433-3036 between 7 a.m. and 4 p.m. weekdays, excluding holidays.

Aflac Hospital Indemnity High Certificate

Aflac Hospital Indemnity Low Certificate

Rates per pay period
Low Option
Employee $2.36
Employee + spouse $4.42
Employee + child(ren) $4.17
Employee + family $6.23
High Option
Employee $4.48
Employee + spouse $8.40
Employee + child(ren) $7.79
Employee + family $11.71
Benefit Levels
check Per hospital admission
Low Option $300
High Option $500
check Per day per hospital confinement
Low Option $75
High Option $150
check Hospital intensive care per day per confinement
Low Option $150
High Option $300

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For any benefits question or concern, including 24/7 Nurse Line access, one call does it all.
Call us at 866-284-AISD (2473)