Hospital Indemnity Insurance

Hospital Indemnity Insurance  


If you become injured or ill and are hospitalized, your health insurance will pay a portion of your costs. But no plan pays for everything. Your share of the hospital bill with coinsurance, copays and deductibles could be costly—let alone the extra out-of-pocket expenses that might occur.

With Hospital Indemnity Insurance, you receive cash benefits for covered hospital stays and expenses to help offset the hospital bill, take care of day-to-day expenses, or pay for anything you need. Plus, this insurance offers these advantages:

  • Pays a daily benefit amount of $100/day/hospital stay, up to 31 days max, under the Low Plan, and $200/day/hospital stay under the High Plan for a 31 day max. Pays this lump sum cash benefit directly to you and is paid in addition to your medical insurance. Additional benefits include: Pays a First Day Hospital Confinement benefit of $1,000 under the Low Plan, and $1,400 under the High Plan.
  • Affordable employee discounted group rate. Your premium is conveniently deducted from your paycheck.
  • Guaranteed–issue provided you enroll during the Enrollment Period.  
  • Flexibility to use the benefit money to address out-of-pocket-expenses like transportation and meals for family members, help with child care, or time away from work.
  • Ability to keep your coverage if you leave your employer (with certain stipulations)

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

By clicking enroll now you can accept/decline coverage for all three supplemental health insurance plans available to you: Critical Illness, Accident, and Hospital Indemnity insurance plans.

Login Credentials:
Employee Number: Enter your SSN
PIN: Use last 4 digits of your SSN and the last two digits of your birth year

Contact Us

We're here to help! Please contact us in whatever manner is most convenient for you.

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

How It Works

Claim Information

These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


My Benefits Flyer
Hospital Indemnity Claim Form


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

  • Who is the provider?

    Allstate Benefits

    A leading provider of employee benefits.


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

  • How can this help me?

    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 plan. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act.

    Benefits of the plan include:

    • First Day Hospital Confinement
    • Daily Hospital Confinement
    • Hospital Intensive Care


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

    • Medical expenses
    • Travel, food and lodging expenses for family members
    • Child care
    • Everyday expenses like utilities and groceries
  • Who is eligible?

    You and your eligible family members must enroll during your enrollment period, and you must be actively at work for your coverage to be effective. Dependents to be enrolled may not be subject to a medical restriction as set forth on the enrollment form and in the Certificate. Some states require the insured to have medical coverage.
  • When can I enroll?

    As a new hire, you can enroll during your new hire enrollment period. Outside of your new hire enrollment period, enrollment is limited to the company's annual enrollment period or if you experience a qualified life event.
  • What if my employment status changes?

    When you leave or retire from your current employer, you can continue your coverage without interruption, subject to applicable law and the policies' terms and conditions. Although payroll deduction will no longer be available if you retire or leave your company, you can opt for other payment methods such as direct checking or bank account deduction, credit card billing or home billing. Higher rates may apply.

These policies and programs are not sponsored or otherwise endorsed by your employer. They are voluntary policies and programs that are not considered ERISA plans. It is your choice whether or not to enroll in these policies and programs.

Client Disclaimer


The Accident, Critical Illness, and Indemnity Medical Insurance coverage is provided by policy forms GVAP6, GVCIP4, and GVSP2, or state variations thereof. This is a brief overview of the benefits available. Details of the coverage, including exclusions and other limitations are included in the certificates issued. 

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

Mercer's Role & Compensation

Details of the Mercer disclosure of the compensation.