Hospital Indemnity Insurance
Complement your BMO medical coverage with additional financial support if you need to stay in the hospital. Voya administers Hospital Indemnity Insurance.
Hospital Indemnity Insurance is a voluntary benefit that supplements your medical coverage. It pays a daily benefit if you or a covered family member are admitted to a hospital, critical care unit, or rehabilitation facility. The benefit amount depends on the plan. Payments are made directly to you and can be used however you see fit.
Here’s a high-level overview of Hospital Indemnity Insurance. For more information, go to Voya.
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| Who You Can Cover | You may cover yourself, your spouse/domestic partner, and/or dependent children (including newborns). | |||||||||||||||||||||
| What’s Covered | Receive cash benefits to help cover costs associated with:
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| Benefit Amount |
Benefit Amount
The benefit amount depends on the plan you are enrolled in:
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| Wellness Benefit | If you or your spouse/domestic partner complete a health screening, you will each receive $50, payable once a year from Voya. Each child who completes a health screening will also receive $50. Learn more. | |||||||||||||||||||||
| Filing a Claim | Once your coverage goes into effect, you can file a claim for covered illness/condition on the Voya website. | |||||||||||||||||||||
| Portability (When you leave BMO) | If you leave BMO or retire, you can take your coverage with you. | |||||||||||||||||||||
Review the 2025 Fixed Indemnity Policy Notice to understand the limitations and exclusions of hospital indemnity insurance.
Support from Voya Cares®
Voya Cares® provides advocacy, financial planning resources and solutions to support the financial well-being of people with special needs or disabilities and their caregivers.