Notice regarding hospital indemnity or other fixed indemnity insurance

For plan years beginning on or after January 1, 2026.

Important: this is a fixed indemnity policy, not health insurance.

This policy may pay you a limited dollar amount if you’re sick or hospitalized. You are still responsible for the cost of your care.

  • The payment isn’t based on the size of your medical bill.
  • There might be a limit on how much this policy will pay each year.
  • This policy isn’t a substitute for comprehensive health insurance.
  • Because this policy isn’t health insurance, it doesn’t have to include most federal consumer protections that apply to health insurance.

Looking for comprehensive health insurance? Visit HealthCare.gov or call 1-800-318-2596 (TTY: 1-855-889-4325). To find out if you can get health insurance through your job, or a family member’s job, contact the employer.

Questions about this policy? Contact your State Department of Insurance (naic.org, under Insurance Departments). If you have this policy through a job, contact the employer.

Cigna Hospital Care Plan

Cigna’s Hospital Care Plan pays a lump-sum benefit for an inpatient hospitalization, adding a layer of protection for unexpected hospital costs. All Renfrew employees may enroll. You do not need to be covered under the Cigna medical/prescription plans.

Benefit

Amount

Health screening (limited to 1 per year)

$50

Hospital admission (no elimination period; limited to 1 day, 1 benefit every 365 days)

$1,000 per day

Hospital chronic condition admission (no elimination period; limited to 1 day, 1 benefit every 90 days)

$50 per day

Hospital stay (no elimination period; limited to 30 days, 1 benefit every 90 days)

$100 per day

Hospital intensive care unit stay (no elimination period; limited to 30 days, 1 benefit every 90 days)

$200 per day

Hospital observation stay (24-hour elimination period; limited to 72 hours)

$100 per day

Newborn nursery care stay (limited to 1 day, 1 benefit per newborn; payable to the employee even if child coverage is not elected)

$200 per day

Cigna: 1-800-754-3207