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Hospital Indeminity Insurance
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This product is not available in the following states: CA, CT, KS, MD, ME, MN, NC, ND, WY

No medical exam, no health questions, no deductibles.Pays a per day benefit directly to you for each day you’re hospitalized.

For AFA Members Hospital Indemnity Plan

Pays you starting on day one of your hospitalization...and there are no deductible amounts.

Pays you directly or anyone you choose, so that you can put the money toward expenses not covered by your basic health insurance or use the money any way you see fit, or you can assign it to a provider.

Pays you for each and every day that you are hospitalized for up to a full 365 days per confinement for injury or sickness... or up to 60 days for hospitalizations due to mental or nervous disorders.

Pays you regardless of any other benefits or coverage you may have. The Covered Person may have only one Hospital Indemnity certificate or policy in force with us or any other AEGON, U.S.A. affiliate at one time.

Pays you $50 a day for up to 30 days if you are hospitalized in a U.S. Government facility.



YOUR AFA Guarantees

Members are eligible for AFA Group Coverage.

You and your family are eligible for this AFA Hospital Indemnity Program at the competitive group rates for which you qualify. If you wish to cover yourself only, choose the Individual Plan. If you wish your spouse covered as well, choose the Limited Family Plan. If you would like to cover yourself, your spouse and all of your eligible dependent children, choose the Full Family Plan.

Choose your Daily Benefit Level. Please refer to the Schedule of Benefits for available Daily Benefit Levels.

Renewable Coverage.

You cannot be cancelled regardless of the number of claims you make. Only you can cancel as long as the Master Policy with AFA remains in force and your premiums are paid on time.

Pre-existing Conditions Limitations:

Injuries sustained or a sickness for which an insured person has received medical treatment or advice from a physician within 12 months (in CA: 6 months immediately prior to the Effective Date of Coverage; in PA 90 days) prior to the effective date of insurance, are considered to be Pre-existing conditions. A confinement resulting from a Pre-existing condition will not be covered until after 12 consecutive months (in CA: 6 consecutive months), during which time the insured person is covered under the policy and receives no medical treatment or advice (except in CA and PA). The plan is subject to the terms, conditions, exclusions and limitations of the group policy.

You choose the payment option that’s convenient.

Two payment methods are offered for your convenience. You may choose to be billed quarterly or have these quarterly premiums automatically deducted from your bank account through our direct deposit program. Many people choose this latter way so as to eliminate additional bills and the necessity of writing and mailing checks.

You must be satisfied or your money back!

If you are not completely satisfied with your coverage when you receive your Certificate of Insurance, simply return it to us within 30 days of receipt. Any premium paid will be refunded to you in full.

Policy exclusions

Benefits will not be paid under this Policy for Hospital Confinements caused by, resulting from or contributed to by:
  1. Routine physical exams or Hospital Confinement for other than Injury or Sickness, or which is not Medically Necessary;
  2. Intentionally self-inflicted injury, while sane or insane (Missouri while sane);
  3. Injuries resulting from active military service (MN Only);
  4. Dental care, except as a result of injury to sound natural teeth (MN Only);
  5. Well-baby care of a newborn dependent child;
  6. Declared or undeclared war or any act of war;
  7. Pregnancy (except Complications of Pregnancy, as defined in this policy);
  8. Expenses incurred or care received outside of the United States (MN Only);
  9. Participating in a riot; or committing an assault or felony (MN Only).

How to Apply

  1. Download and print the Application Form for this plan.
  2. Send the completed Application and initial payment to:

Air Force Association
Hospital Indemnity Program
Monumental Life Insurance Co.

PO Box 1341
Valley Forge PA 19482-9946

Insurance Claim Filing Instructions

Air Force Association
Hospital Indemnity Program

Monumental Life Insurance Co.
100 Light Street
Baltimore MD 21202

This plan is underwritten and administered by Monumental Life Insurance Company, a Transamerica company.



These form(s) are in Adobe Acrobat Reader (PDF) format and are available for downloading and printing.


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We're here to help! Please contact us in whatever manner is most convenient for you.

Call Center:

Hospital Indemnity Program
Monumental Life Insurance Co.
100 Light Street
Baltimore MD 21202
Phone: 1-800-749-6983



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