Cigna: Start selling Choice Hospital Indemnity now in DC, IN, & NH

Choice Hospital Indemnity Available to sell now in DC, IN, & NH

You can now offer your customers protection from out-of-pocket hospital¹ expenses with a Cigna Healthcare® Choice Hospital Indemnity insurance policy.

• Guaranteed renewable for life²
• Guaranteed issue for ages 64-70 and simplified underwriting for all other ages³
• 3-month pre-existing condition limitation
• Unlimited hospital confinements for different covered injuries or illnesses, with no restoration period required⁴

Additional features include:

• Benefits for observation room admissions and stays in mental health and substance use facilities⁵
• Coverage for oxygen equipment, walkers, wheelchairs, ambulance transportation, and outpatient rehabilitation⁶

Choice Hospital Indemnity is available for sale now in DC, IN, and NH and also in AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IA, IL, KS, KY, LA, ME, MD, MI, MN, MS, MO, NE, NV, NC, ND, OH, OK, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, and WY.

Visit the Choice Hospital Indemnity broker resource site to get all you need to start selling now.

Earn a $25 bonus for every qualifying Choice Hospital Indemnity application you write each month through December 31, 2025, with a minimum of five qualifying Cigna Healthcare Supplemental Health product applications.⁷

Access Sales Tools

Effective August 11, 2025, Flexible Choice Hospital Indemnity will no longer be available for sale under your distribution in DC, IN, and NH. All applications, including paper, for Flexible Choice Hospital Indemnity products in these states must be signed by August 11, 2025, and in the Cigna office by August 11, 2025.

‍

‍

‍

‍

^{1. The term hospital does not include a clinic, facility, or unit of a hospital for: rehabilitation, hospice care, extended care, custodial, educational, or nursing home for the aged, chemically dependent or alcohol dependent.}

^{2. Subject to the company’s right to increase premiums on a class basis.}

^{3. Guaranteed issue is available with the Choice Core, Option 2 $100–$400 per day for days 3,5,7,10 plans with no riders. The primary applicant must be the oldest applicant and age 64–70; their spouse and/or children qualify as guaranteed issue.}

^{4. Unlimited number of hospital confinement benefits if the confinements are for different covered injuries or illnesses, or there are 60 days between admissions for the same covered injury or illness.}

^{5. Observation Room Benefit is paid beginning at 6 hours. Hospital Confinement Benefit is paid beginning at 12 hours. Mental Health Indemnity Confinement Benefit and Substance Use Disorder Confinement Treatment Benefit are paid beginning at 18 hours.}

^{6. Benefits may vary by state and all benefits payable are subject to the terms and conditions of the policy.}

^{7. Incentive is available in all states where product is sold. Qualifying Cigna Healthcare Supplemental Health products include Cancer Treatment, Choice Accident, Choice Hospital Indemnity, Choice Short Term Care, Flexible Choice Cancer and Heart Attack & Stroke, Flexible Choice Hospital Indemnity, and Accident Treatment, insured by Loyal American Life Insurance Company (LOYAL).}

^‍