Sonya went into labor and her husband rushed her to the hospital.

With the extra money Sonya recieved from her hospital benefit, she took a couple extra weeks of unpaid maternity leave to bond with her new baby.

She’s admitted to the hospital.

Sonya submitted her claim online. Her benefit pays the same, regardless of any other insurance coverage she has.

She used her benefits to pay some of her out-of-pocket expenses.*

Unable to get out and shop for groceries, Sonya arranged for food delivery.

After laboring for eight hours, Sonya delivered a healthy baby boy.

Hospital admission: Benefit paid $1,500

Daily in-hospital stay @$200/day: Benefit paid $400

Hospital confinement, two additional days @$200/day: Benefit paid $400

Sonya returned home.

Sonya and her baby remained hospitalized for two additional days.

The unexpected costs of a hospital stay can take you by surprise

Meet Sonya, age 30

Follow her journey

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3 steps to easy claims filing

Watch how simple our claims process is.

Click on each pin to see the benefit payment

Hospital admission

Daily in-hospital stay

Hospital confinement

Total benefit paid:

$1,500

$400

$2,300

Hospital cost

Accessibility

Hospital Indemnity insurance coverage is a limited benefit policy issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ. Prudential’s Hospital Indemnity Insurance is not a substitute for medical coverage that provides benefits for medical treatment, including hospital, surgical, and medical expenses, and it does not provide reimbursement for such expenses. The Booklet-Certificate contains all details, including any policy exclusions, limitations, and restrictions, which may apply. If there is a discrepancy between this document and the Booklet- Certificate/Group Contract issued by The Prudential Insurance Company of America, the Group Contract will govern. Please contact Prudential for more information. Contract provisions may vary by state. Contract Series: 83500. © 2024 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, and the Rock symbol are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide. 1081290-00001-00 14W50_DG_GI290_01

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

This coverage is not health insurance coverage (often referred to as “Major Medical Coverage”). This type of plan is NOT considered “minimum essential coverage” under the Affordable Care Act and therefore does NOT satisfy the individual mandate that you have health insurance coverage.

*Benefits can be used for medical and non-medical purposes. Names/situations identified in this document are for example/hypothetical/illustrative purposes only. Actual benefits may vary.

Disclosures

THIS IS AN EXCEPTED BENEFITS POLICY. IT PROVIDES COVERAGE ONLY FOR THE LIMITED BENEFITS OR SERVICES SPECIFIED IN THE POLICY.

This coverage is not health insurance coverage (often referred to as "Major Medical Coverage").

IMPORTANT: This is a fixed indemnity policy, NOT health insurance.

This fixed indemnity policy may pay you a limited dollar amount if you’re sick or hospitalized. You’re still responsible for paying the cost of your care. • The payment you get isn’t based on the size of your medical bill. • There might be a limit on how much this policy will pay each year. • This policy isn’t a substitute for comprehensive health insurance. • Since this policy isn’t health insurance, it doesn’t have to include most Federal consumer protections that apply to health insurance.

• If you have this policy through your job or a family member’s job contact the employer.

• To find out if you can get health insurance through your job or a family member’s job contact the employer.

View transcript

[DESCRIPTION: The Prudential Rock Logo moves back and forth. It's followed by a Prudential webpage over an animation of a laptop on a table next to a cup of coffee. On the webpage, a mom and dad play with their daughter. To the right of the family, text. Your supplemental health benefits are a smart choice to help you stay on track financially. At the Narrator speaks, the image on the laptop is replaced by three animations. An ambulance, a person perspiring and a person on a operating table attached to a I V drip. Text on screen is spoken by the Narrator.] [AUDIO:] >> Filing your supplemental health insurance claim is quick and easy whether your employer offers accident, critical illness, hospital indemnity insurance, or all three. After all, when you're dealing with an unexpected accident, illness, or hospital stay, the last thing you may need is the hassle of filing a complicated claim. So Prudential makes it easy. No paper forms. No need to chase down medical records. No fine print or strings attached standing in the way of you and your benefit. Submit your claims from any device at any time. Log in to prudential.com/mybenefits. First-time users complete the registration form to create your username and password. Choose My Claims, then File a Claim. [DESCRIPTION: A Prudential web page with the heading, File a Claim for Supplemental Health Benefit. A animated finger selects step one, Claim Details. The finger selects step two, Payment and Documentation. Step three is Review and Submit.] [AUDIO:] Follow our simple three-step process. One, select the reason for your claim. Tell us what happened, when it happened, and who provided the treatment. Two, how do you want to be paid? Review the information provided, give us permission to get information from your doctor so you don't have to, and submit. [DESCRIPTION: An animation of a woman who smiles whilst she looks at her cell phone. The cell phone page heading reads, You also have the option to file your claim. Below this, the three options are, mail, fax or phone. Small lines bounce out from the cell phone. The cell phone page now reads, payment received, and below this a yellow check mark.] [AUDIO:] Check the status of your claim online. We'll let you know when a decision is reached on your claim and send payments right to you, not your doctor or hospital. So, with the added financial support, you can focus on getting well. [DESCRIPTION: Now the smiling woman bends down and strokes her dog. Later, she takes the dog for a walk in the park. The Prudential Rock Logo. Prudential.] [AUDIO:] Everything Prudential does is to make it easier and faster for you to get your benefits when you need them most.

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*Benefits can be used for medical and non-medical purposes. **Hospital Indemnity Insurance is not approved in all states. Not for residents of New Mexico. Not for use in New Mexico. Names/situations identified in this document are for example/hypothetical/illustrative purposes only. Actual benefits may vary.

Video Title: Employee Supplemental Health Video

*** Full Text combined Captions and Audio Description output ***

Sonya went to the hospital to have a baby. Although she has a good medical plan, her expenses* were more than she expected. Sonya had enrolled in Hospital Indemnity Insurance** issued by The Prudential Insurance Company of America (Prudential). With a financial cushion, Sonya was able to spend extra time at home with her baby.

With a financial cushion, Sonya was able to spend extra time at home with her baby.

**Hospital Indemnity Insurance is not approved in all states.

Sonya had enrolled in Hospital Indemnity Insurance** issued by The Prudential Insurance Company of America (Prudential).

*Benefits can be used for medical and non-medical purposes.

Sonya went to the hospital to have a baby. Although she has a good medical plan, her expenses* were more than she expected.

Accessibility

Not for residents of New Mexico. Not for use in New Mexico. Names/situations identified in this document are for example/hypothetical/illustrative purposes only. Actual benefits may vary.

Looking for comprehensive health insurance? • Visit HealthCare.gov online or call 1-800-318-2596 (TTY: 1-855-889-4325) to find health coverage options.

Questions about this policy? • For questions or complaints about this policy, contact your State Department of Insurance. Find their number on the National Association of Insurance Commissioners’ website (naic.org) under “Insurance Departments.”