Hospital Indemnity Insurance

For Sun Life members and covered dependents who elected Hospital Indemnity Insurance.

When you or your covered dependents are facing a hospital stay, you can receive a benefit to help pay unexpected expenses not covered by your health plan.

What’s covered

Once your Hospital Indemnity coverage goes into effect, you can file a claim for hospital stays occurring after your plan’s effective date.

Benefits are payable for hospital stays due to: Sickness, Accidents*, Complications of pregnancy, Newborn complications, Routine pregnancy care, Mental and nervous disorders, Substance abuse.

Benefit Schedule

Benefit

First day hospital confinement –1 day per year

This benefit pays the first day you stay in a regular hospital bed or ICU bed.

$1,000

First day ICU confinement –1 day per year

This benefit pays the first day you stay in an ICU bed.

$1,000

Daily hospital confinement –Up to 30 days per year

This benefit pays for a hospital stay in a standard room.

$100 per day

Intensive Care Unit (ICU) confinement – Up to 10 days per year

This benefit pays for an ICU stay.

$100 per day

*Confinements due to an accident must be within 365 days of the accident.

The full list of benefits as well as important limitations and exclusions can be found in the Benefit Highlighter and Certificate (coming soon).

This plan is eligible for a Wellness Benefit.

Frequently asked questions

Here is information on how to file your claim.

For questions about your claim, contact Sun Life at 800-309-8699.  

If your newborn has to stay in the Neonatal Intensive Care unit (NICU), benefits are payable. Hospital stays for routine newborn care are not covered.

You should file your claim within 30 days of a covered confinement or as soon as reasonably possible.

If you pay the cost of coverage on a pre-tax basis, your benefit amount will be included on a 1099 form as taxable income. Please reach out to a tax advisor or your employer if you have any questions.

Depending upon state variations and your employer’s plan, you may have an option to continue coverage when your employment terminates. Your employer can advise you about your options. Please read the important information section below.

Definitions of the covered services as well as important limitations and exclusions can be found in the Benefit Highlighter and Certificate.

This is a limited benefit policy. It does NOT provide basic hospital, basic medical, or major medical insurance. It is not a Medicare Supplement policy. The certificate has exclusions, limitations, and benefit waiting periods for certain conditions that may affect any benefits payable. Benefits payable are subject to all terms and conditions of the certificate. In the event of a discrepancy between this Overview, the Certificate and the Policy, the terms of the Policy will govern.

Group insurance policies are underwritten by Sun Life Assurance Company of Canada (Wellesley Hills, MA) in all states, except New York, under Policy Form Series 15-GP-01, 16-DEN-C-01, 16-SD-C-01, 16-SDPort-C-01, 12- GP-01, 13-SD-C-01, 13-SDPort-C-0116-CAN-C-01, 16-CANPort-C-01, 16-AC-C-01, 16-ACPort-C-01, 12-AC-C-01, 12-GPPort-01, 12-ACPort-C-01,20-HI-C-01, 12-GPPort-P-01, and 20-HIPORT-C-01. Product offerings may not be available in all states and may vary depending on state laws and regulations.

© 2026 Sun Life Assurance Company of Canada, Wellesley Hills, MA 02481. All rights reserved. The Sun Life name and logo are registered trademarks of Sun Life Assurance Company of Canada. Visit us at www.sunlife.com/us.

#1369926413 05/24 (exp. 05/26)