A sickness or injury could land you in the hospital. Your medical insurance may only cover some of it, leaving you to pay for
deductibles and coinsurance fees. Hospital Indemnity Insurance can help ease your financial burden so you can focus on recovery.
Here’s How It Works
Meeting Your Needs
• Guaranteed Issue coverage without a
Pre-Existing Condition Limitation*
• Coverage can include your dependents
• Premiums are affordable and can be
conveniently payroll deducted
• Coverage may be continued; refer to
your certificate for details
• Select the coverage that’s right for
you and your family
• If you or a family member requires
a hospital stay, you file a claim
• A cash benefit is direct deposited
or a check is mailed and can be
used however you wish*
Protecting Your Finances
You’ve worked hard for your savings –
don’t let a hospital bill wipe them out.
• Protect your checking and savings
• Don’t dip into your 401(k)
Hospital
Indemnity
Insurance
Protection for
hospital stays
when a sickness
or injury occurs
The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered
by American Heritage Life Insurance Company, Jacksonville, Florida in all states except New York. Product features
and availability vary by state and are solely the responsibility of American Heritage Life Insurance Company.
Underwritten by:
American Heritage Life Insurance Company
Think About This
Americans pay nearly
60% more for hospital
stays than patients in
Europe and Canada
†
$11,700
The average cost of
a 24-hour hospital
stay in the U.S.
††
Two-thirds of Americans
received an unexpected
medical bill following a
hospital stay in 2020
†††
Protecting insureds
for over 60 years
†
https://www.healthsystemtracker.org/brief/what-drives-health-spending-in-the-u-s-compared-to-other-countries/
††
https://www.debt.org/medical/hospital-surgery-costs/
†††
https://newsroom.heart.org/news/poll-surprise-medical-
bills-pose-significant-financial-burden *Please refer to the Exclusions and Limitations section of this brochure.
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Coverage offered to the employees of:
Tommy’s mom files a claim with her Hospital Indemnity coverage through the
convenient web portal,
MyBenefits
.
She receives cash benefits for:
Claim
Choose
Use
Tommy’s mom signed up for Hospital Indemnity Insurance during her employer’s Open Enrollment.
A few months later, Tommy complained of pain in his abdomen. He has a fever and is vomiting. Here’s his story:
•
First Day Hospital Confinement
•
Daily Hospital Confinement
The example above details a fictional situation; your individual experience may vary.
For a listing of benefits and benefit amounts, see page
3.
Here are some of the ways Tommy’s mom can use the cash benefits
Travel
Can help pay for expenses
while receiving treatment in
another city
Home
Can help pay the mortgage,
continue rental payments, or
afford home repairs for after care
Expenses
Can help pay for her family’s
living expenses, such as
bills, electricity, and gas
Finances
Can help protect savings,
retirement plans and
401(k)s from being depleted
Offers 24/7 access to important information about
your benefits. eSign, submit and check your claims
(including claim history), request cash benefits to
be direct deposited, make changes to personal
information, and more.
MyBenefits Claim Filing Portal
standard.com/ahl/mybenefits
Recovery
Hospital Stay
Tests
Ambulance
Surgery
An appendectomy is
recommended and
Tommy is admitted for
an overnight stay
Tommy has surgery the
next day and spends
another night in the
hospital
Tommy is released
to recover and follow-
up visits with his doctor
are scheduled
After running some
tests, the doctors
determine that Tommy
has appendicitis
Tommy’s parents call
an ambulance to take
him to the hospital
emergency room
Meet
Tommy
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Benefits
-
Benefits paid for the following conditions
(subject to limits listed above)
Hospitalization Benefits
First Day Hospital Confinement
-
once per
continuous confinement per covered person, with
no limit to the number of occurrences. We pay
25% of the amount shown above for a newborn’s
first day of confinement in a hospital (see
Hospitalization Due to Pregnancy to the right for
complete details).
Daily Hospital Confinement
-
up to 10 days
per hospital stay. We pay 25% of the amount
shown above for a newborn’s initial confinement
in a hospital for routine nursing and well-baby
care. Hospitalization due to pregnancy is covered.
Not paid for any day the First Day Hospital
Confinement benefit is paid (see How We Pay the
Daily Hospital Confinement Benefit to the right).
Hospitalization Due to Pregnancy -
your First
Day Hospital Confinement includes hospitalization
due to normal pregnancy or complications
of pregnancy.
How We Pay the Daily Hospital
Confinement Benefit
-
the Daily Hospital
Confinement Benefit pays for each day of a
continuous confinement in a hospital up to
10 days.
Hospital Intensive Care
-
up to 10 days per
hospital stay. Pays in addition to the First Day
Hospital Confinement benefit and Daily Hospital
Confinement benefit.
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Hospitalization Benefits
Plan
First Day Hospital Confinement
(once per confinement)
$1,000
Daily Hospital Confinement (daily)
$100
Hospital Intensive Care (daily)
$100
Benefit Amounts
This brochure is for use in the Lowe’s enrollment sitused in NC. This advertisement is a solicitation of insurance; contact may be made by an Agent, Agency, or
Representative
of The Standard.
Rev. 12/25. This material is valid as long as information remains current, but in no event later than December 1, 2028.
Group Hospital Indemnity benefits are provided under policy form GVSP2, or state variations thereof.
The coverage provided is limited benefit hospital indemnity insurance.
The policy is not a Medicare Supplement Policy. If eligible for Medicare, review the Medicare
Supplement Buyer’s Guide available from American Heritage Life Insurance Company. There may be instances when a law requires that benefits under this coverage
be paid to a third party rather than to you. If you or a dependent have coverage under Medicare, Medicaid, or a state variation, please refer to your health insurance
documents to confirm whether assignments or liens may apply.
This information highlights some features of the policy but is not the insurance contract. Details of the insurance, including exclusions, restrictions, and other
provisions, are included in the certificates issued. This is a brief overview of the benefits available under the group policy underwritten by American Heritage Life
Insurance Company (Home Office, Jacksonville, FL). For costs and complete details, exclusions, and limitations, you may contact your representative at The Standard
or call the Lowe’s call center at 1.877.215.0939.
The coverage does not constitute comprehensive health insurance coverage (often referred to as “major medical coverage”) and does not satisfy the requirement
of minimum essential coverage under the Affordable Care Act.
Conditions and Limits
-
We pay benefits as stated for
service and treatment received by the covered person
while coverage is in force for sickness or injury. Hospital
room and board charges must be incurred for benefits
to be payable.
Treatment must be received in the
United States or its territories
.
Eligibility
-
Your employer decides who is eligible for
your group (such as length of service and hours worked
each week). Issue ages are 18 and over.
Dependent Eligibility/Termination of Coverage -
Coverage may include you, your spouse and children.
Coverage for children
ends upon your death or when
the child reaches age 26, unless he or she continues to
meet the requirements of an eligible dependent. Spouse
coverage ends upon valid decree of divorce or your
death.
When Coverage Ends -
Coverage under the policy
ends on the earliest of: the date the policy is
canceled; the last day of the period for which you
made any required contributions; the last day you are
in active employment or a member in an association,
labor union or other entity, except as provided under
the “Temporary Layoff, Leave of Absence, or Family
and Medical Leave of Absence” provision; the date
you are no longer in an eligible class; the date your
class is no longer eligible.
Portability -
You may be eligible to continue your
coverage when coverage under the policy ends. Refer
to your Certificate of Insurance for details.
Benefits are not paid for:
any act of war or active participation in a riot, insurrection or
rebellion; suicide or attempt at suicide; engaging in an illegal occupation or committing
or attempting an assault or felony; cosmetic dentistry or plastic surgery, except to treat
an injury or correct a disorder of normal body function or correct a congenital defect;
intentionally self-inflicted injuries; confinement that begins before the effective date of
coverage; the reversal of a tubal ligation or vasectomy; artificial insemination, in vitro
fertilization, and test tube fertilization, including any related testing, medications or
physician services, unless required by law; participation in aeronautics (including
parachuting and hang gliding) unless a fare-paying passenger on a licensed common-
carrier aircraft operating between established airports; driving in any race or speed test
or testing any motorized vehicle on any racetrack or speedway.
Certificate Specifications
Exclusions and Limitations
The Standard is the marketing name used by American Heritage Life Insurance Company, a subsidiary of
StanCorp Financial Group, Inc
.
standard.com or standard.com/ahl
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