Critical Illness, Accident and Hospital Indemnity

Voluntary benefits can help protect you and your family if you have an accidental injury, serious illness, or hospital stay, whether expected or unexpected. These benefits are offered through Aetna.

How the Plans Work

  • You enroll for each of these benefits separately.

  • You purchase this coverage with after-tax payroll deductions, making benefits paid tax-free.

  • You can continue this coverage if you stop working at Conduent. You will need to pay premiums directly to Aetna.

  • These plans do not replace medical coverage and do not count as minimum essential coverage under the Affordable Care Act.

Critical Illness Insurance

Critical illness insurance pays a cash benefit directly to you if you are diagnosed with a covered critical illness, such as a heart attack or stroke. You can use your cash benefit to help pay bills related to treatment or to help with everyday living expenses. Benefits are paid regardless of any other medical insurance. You can purchase Basic or Enhanced coverage for yourself and your spouse. Dependent children are automatically covered.

Maximum Benefit Amount

  • Basic Plan: $15,000 for associate or spouse; $7,500 for children

  • Enhanced Plan: $30,000 for associate or spouse; $15,000 for children

Covered Illnesses

Examples of covered illnesses include:

  • Cancer

  • Heart attack

  • Major organ failure

  • End-stage renal (kidney) failure

  • Coronary artery bypass graft surgery

  • Stroke

Your initial benefit provides a lump-sum payment upon the first diagnosis of a covered condition. Your plan pays a recurrence benefit at 100% of the initial benefit for the following covered conditions: heart attack, stroke, major organ transplant, and end-stage renal failure.

Health Screening Benefit

This plan also offers a health screening benefit. You’ll be reimbursed up to $50 per year for each covered member if you get certain covered screening tests as outlined in the policy.

 

 

Accident Insurance

Accident insurance pays cash benefits to help with unexpected costs due to a covered accident. Aetna pays benefits directly to you to help pay bills or everyday living expenses. Benefits are paid regardless of any other medical coverage. You can elect the Basic Plan or the Enhanced Plan.

Covered Injuries

Examples of covered injuries include:

  • Broken bones

  • Burns

  • Torn ligaments

  • Cuts repaired by stitches

  • Eye injuries

  • Ruptured discs

  • Concussion

  • Ambulance

  • Family lodging

  • Emergency room treatment

  • Transportation

  • Hospital admission and additional benefits for confinement

  • Diagnostics (X-rays, CT, MRI)

Health Screening Benefit

This plan also offers a health screening benefit. You’ll be reimbursed up to $50 per year for each covered member if you get certain covered screening tests as outlined in the policy.

 

Hospital Indemnity Insurance

Hospital indemnity insurance pays cash benefits directly to you during a covered hospitalization, so you can avoid dipping into savings to cover out-of-pocket expenses. These expenses could include things like transportation and meals for family members, help with child care, or time away from work. You can elect the Basic Plan or the Enhanced Plan.

Benefits are paid regardless of any other medical coverage. Keep in mind, this benefit only pays when you are admitted as an inpatient and charged for room, board, and general nursing services.

Benefit Amounts

  • Basic Plan: $500 admission benefit¹; $100 daily hospital benefit (up to 30 days per calendar year)²

  • Enhanced Plan: $1,000 admission benefit¹; $150 daily hospital benefit (up to 30 days per calendar year)²

¹Lump sum benefit per hospital admission. Unlimited hospital admissions per calendar year are separated by 30 consecutive days.
²Daily benefit amount while inpatient in a hospital.

Example

For example, let’s say your child has a high fever and goes to the emergency room. The doctor admits your child to the hospital for two days. The Basic Plan would pay you $700 (hospital admission benefit of $500 and hospital confinement benefit of $100 per day).

Limitations and Exclusions

These plan have exclusions and limitations. If you have a question about what is covered, contact Aetna at 1.800.607.3366.

Watch

Take a look at these videos to find out more.

Critical Illness

Accident

Hospital Indemnity

Learn More

Review the enrollment kits for details about accident insurance, critical illness insurance, and hospital indemnity insurance.

You can also visit aetnaresource.com/n/Conduent_SuppHealth for more details.