Hospital indemnity insurance is a supplemental health product that provides cash benefits if you or a covered dependent visit a hospital or intensive care unit (ICU) due to a covered illness or injury. The benefits paid can be used for health insurance deductibles, transportation, childcare, or any other recovery expenses.

• Eligibility: All Full-Time Employees
• Contribution: Employee-paid coverage
• Portability: Included (coverage can be portable if you leave your employer)
• Preexisting Conditions: Not applicable

• Hospital Admission: $1,000 per day for up to 4 days per calendar year (for initial day of admission due to sickness or injury).
• Hospital Confinement: $200 per day for up to 30 days per calendar year, starting on day 2 of confinement.
• Hospital ICU Admission: $2,000 per day for 1 day per calendar year (for initial day of ICU admission).
• Hospital ICU Confinement: $400 per day for up to 30 days per calendar year, starting on day 2 of confinement.

• Rehabilitation Facility: $100 per day for up to 30 days per calendar year.
• Substance Abuse Treatment Facility: $100 per day for up to 30 days per calendar year.
• Mental Disorder Treatment Facility: $100 per day for up to 30 days per calendar year.
• Newborn Care: $500 per day for 1 day per calendar year (for routine postnatal care following birth).

• Health Assessment/Wellness: $50 annual cash benefit for each covered family member who completes a single covered exam, screening, or immunization.

• Hospital NICU Admission: Increases the Hospital ICU Admission benefit by 25% for a newborn child's ICU or NICU admission.
• Hospital NICU Confinement: Increases the Hospital ICU Confinement benefit by 25% for a newborn child's ICU or NICU confinement.

• Suicide, attempted suicide, or intentionally self-inflicted injury (sane or insane).
• Voluntary intake/use of drugs, poison, gas, or fumes, unless prescribed/administered by a physician and taken as instructed.
• Committing or attempting to commit a felony.
• War or act of war (declared or undeclared), riots, insurrections, rebellions, or acts of terrorism.
• Military duty (including reserves or National Guard).
• Aviation travel, except as a fare-paying passenger on a commercial flight or on a group policyholder aircraft under specified conditions.
• Driving a vehicle while intoxicated.
• Dental care/procedures (unless resulting from a covered event).
• Experimental procedures.
• Travel outside the U.S. and its possessions for the sole purpose of receiving medical care.
• Participation in semi-professional or professional sports, or motor-driven vehicle racing/stunt shows.
• Hazardous recreational activities (e.g., scuba diving, mountaineering, spelunking, bungee jumping, hang
  gliding, skydiving).
• Being incarcerated in a penal or detention facility.
• Residing outside the United States, U.S. Territories, Canada, or Mexico for more than 12 months.

• Policy Notes: This summary does not constitute a binding contract. Controlling provisions are detailed in the insurance policy and certificate of coverage.
• Issuer: Group insurance products are issued by The Lincoln National Life Insurance Company (Fort Wayne, IN) or Lincoln Life & Annuity Company of New York (Syracuse, NY).
• Website: LincolnFinancial.com