Hospital Indemnity through Voya helps employees deal with financial exposure of hospitalization including childbirth, by paying a fixed daily benefit for a covered hospital stay. When an employee or spouse gives birth, the newborn may be covered as well. Use your paid benefit for any purpose, such as paying out-of-pocket medical expenses, copays, deductibles, groceries, gas, utilities and more it’s up to you. Hospital Indemnity Insurance is a limited benefit policy. It is not health insurance and does not satisfy the requirement of minimum essential coverage under the Affordable Care Act. Check the brochures below for more information.