Product spotlight: Choice Hospital Indemnity

Why choose Cigna Healthcare^® Choice Hospital Indemnity Insurance? There are many reasons, but the most impressive is the unlimited hospital confinements for different covered injuries or illness, with no restoration period. When your customers are hospitalized for a covered illness or injury, they won’t have to worry about benefit resets or maximums for separate events. We offer consistent protection that stays with them when they need it most.

The policy issue age is 18-89 and is designed for individuals, spouses, and families, making it a smart fit for a much broader audience—including younger adults and working families who may not have considered the financial impact of a hospital stay. In fact, thus far in 2025, nearly 75% of our Choice Hospital Indemnity products sold are to issue ages 18-59.¹

With medical costs forecasted to rise another 8% this year,² a single hospital visit can have a significant, unplanned financial impact.  Help your customers understand all the expenses related to a hospital visit such as ambulance and emergency room services to outpatient rehab, and ongoing care. Choice Hospital Indemnity coverage can help offset these financial burdens. What’s more, benefits can also be used for indirect costs such as lost income, pet boarding, grocery delivery, and prescription expenses.

Our plan features include:

• Guaranteed issue for ages 64–70, and simplified underwriting for all other ages
• Guaranteed renewable for life — rates don’t increase due to age or health changes
• Benefits are paid directly to the policy holder
• Optional Riders are available:
  • Hospital Admission Rider
  • Intensive Care Unit (ICU) Rider
  • Ambulance Rider
  • Diagnostic Imaging Rider

The various costs of a hospital visit add up fast. And most customers may not realize how underprepared they are until it’s too late. You can be the one who closes the gap and offers meaningful value today. It’s more than just help with medical bills—it’s peace of mind during a vulnerable time.

Seeing is believing. These real-world customer examples show just how costly unexpected hospital stays can be. They also depict the actual out-of-pocket costs many face, and the meaningful benefits this coverage can provide.³

Ready to learn more? Access our Choice Hospital Indemnity broker resource site today and find our training guide, rate calculator, and marketing & sales materials. We’re here to help you offer more than just plans. We help you offer protection, flexibility, and peace of mind.

1. Based on Choice Hospital Indemnity sales 01/01/2025 to 06/23/2025.
2. PWC. “Medical cost trend: Behind the numbers 2025” https://www.pwc.com/us/en/industries/health-industries/library/behind-the-numbers.html Accessed June 12, 2025.
3. For illustrative purposes only.