If you’re sick or hurt, Aetna pays benefits directly to you—not the hospital or doctor—to help with your expenses. It’s your decision how to use the cash—use it to help pay for rent, child care, or groceries.
With most plans:
- Benefits are paid directly to you, unless you specify otherwise.
- You can continue most coverages with no increase in premium when you retire or change jobs.
- You are paid regardless of any other insurance you may have with other insurance companies.
- Coverage is available to your spouse and dependent children.
Lump Sum Critical Illness Insurance
(Guaranteed issue) Provides a single cash benefit to you if you are diagnosed or treated for critical illness events. The benefit is triggered by a covered serious health condition such as heart attack, stroke, end-stage renal failure, major organ transplant, paralysis, coma, and other select conditions.
Accident Indemnity Insurance
(Guaranteed issue) Pays cash benefits to help with expenses in the event of a covered accidental injury, dismemberment, or death. Benefits help cover the costs that go beyond standard major medical coverage.
Hospital Indemnity Insurance
(Guaranteed issue*) Pays for out-of-pocket hospital expenses that may not be fully covered by major medical insurance (such as deductibles, copayments, and coinsurance), including hospitalization for injury or sickness, emergency room benefit, and other select expenses.