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While high deductible health plans may make health coverage more affordable for employer and employees, they may greatly increase an employee’s out-of-pocket expenses if a serious illness or accident occurs. The Kemper Health Hospital Indemnity insurance policy complements a group’s existing major medical coverage while helping ease the financial impact of hospitalization.
The Kemper Health Hospital Indemnity policy offers valuable benefits for employees and their covered dependents, including:
*Underwritten by Fidelity Security Life Insurance Company ® Kansas City, MO 64111 Policy Form No. M-6015 Policy Nos. HP-51/ HP-52.
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When an employee or a covered family member is admitted to the hospital, the policy pays a benefit directly to insured (unless assigned) with no restrictions on how the funds can be used.
If more than 30 days pass between periods of hospitalization for the same condition, the subsequent occurrence is treated as a new confinement.
Policy Forms HP-51/HP-52, M-6015.
Kemper Health is the brand name for insurance products issued by subsidiary insurance companies controlled by Kemper Corporation. Each subsidiary of Kemper Corporation is solely responsible for the insurance products it underwrites and issues.
The underwriting company for the Accident Expense, Accident Indemnity, Cancer, Critical Illness, Dental, GAP, Short Term Disability and Whole Life Insurance Products is Reserve National Insurance Company, which is responsible for the underwriting risks, ﬁnancial and contractual obligations and support functions associated with the products it issues. The underwriting company for the Hospital Indemnity, Signature Gap, Indemnity Outpatient Prescription Drug, Limited Medical, and Vision Insurance Products is Fidelity Security Life Insurance Company ®(FSL). FSL is not ﬁnancially afﬁliated with Kemper Corporation. All products are subject to the terms, conditions, limitations and exclusions of the speciﬁc policy. Product availability may vary by state. FSL is located in Kansas City, Missouri, and has been rated "A" (Excellent) based on an analysis of financial position and operating performance by A.M. Best Company, an independent analyst of the insurance industry. For the latest rating, access www.ambest.com.
Neither Reserve National Insurance Company, FSL, nor their agents, representatives, associates or employees render legal or tax advice. The employer should seek the expert assistance of its own legal or tax adviser.
This is only a summary of products and services offered. Actual offerings may vary by group size and other underwriting considerations and are subject to the requirements of state insurance laws and regulations, and the benefits/provisions as described may vary due to such requirements. All products are subject to the terms, conditions, limitations and exclusions of the specific policy, and coverage will only become and remain effective to the extent provided by the applicable terms, conditions, limitations, and exclusions of such policy. Please see the specific policy and certificate for details. Policies are not available in all states.
The Kemper Health voluntary insurance plans, either alone or in combination with each other, are not "minimum essential coverage" under the federal Affordable Care Act.
IMPORTANT: If an individual is insured under one or more Kemper Health voluntary insurance products and is also covered by Medicaid or a state variation of Medicaid, most non-disability benefits are automatically assigned according to state regulations. This means that instead of paying the benefits to the insured individual, we must pay the benefits to Medicaid or the medical provider to reduce the charges billed to Medicaid. Proposed insureds should consider their circumstances before enrolling in Kemper Health coverage.
If you are an employer offering one or more of these insurance products to your employees, the product(s) may constitute a part of an employee benefit plan under the Employee Retirement Income Security Act of 1974 ("ERISA"). An employer offering an ERISA employee benefit plan will be responsible for a number of obligations applicable under ERISA, including, without limitation, the obligation to make required disclosures to employees and file reports with the federal government. Kemper Health acts solely as the issuer and underwriter of these insurance products and as such, neither Kemper Health nor any of its affiliates or agents assume any fiduciary or administrative responsibility or duties with respect to any employee benefit plan under which the products are made available. You should consult with an experienced attorney concerning the requirements for compliance with ERISA.
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