Voya Hospital Indemnity Insurance – Get a Quote
Unexpected hospital stays can bring both physical and financial stress. Even with major health insurance in place, deductibles, copays, and uncovered costs can add up quickly. That’s where **hospital indemnity insurance** comes in, and one provider many people consider is **Voya Financial**.
At **Mintco Financial**, we help clients understand how Voya’s hospital indemnity plans work, how they compare with other carriers, and whether they’re the right fit for your needs. Here’s what you should know before you get a quote.
What Is Voya Hospital Indemnity Insurance?
Voya’s hospital indemnity insurance is a **supplemental health policy** designed to pay you a set cash benefit if you are admitted to a hospital. Unlike traditional health insurance, the payout is not tied to the exact bill—it’s a fixed amount you receive and can use however you want.
For example, if you have a hospital stay, Voya may pay you a benefit of \$100–\$300 per day (depending on your policy). You can use that cash for:
* Deductibles and copays not covered by your primary insurance
* Household bills like rent or utilities
* Transportation or lodging if care is far from home
* Everyday expenses during recovery
Benefits of Voya Hospital Indemnity Coverage
* **Cash flexibility** – You decide how to use the benefit.
* **Simple claim process** – Submit proof of hospitalization, and Voya pays the set benefit.
* **Pairs with other insurance** – Works well with high-deductible health plans or Medicare Advantage.
* **Peace of mind** – Reduces financial stress when the unexpected happens.
What to Consider Before Getting a Quote
Like all supplemental plans, Voya hospital indemnity insurance has limits. Benefits are **fixed**, so if your hospital bill is much higher than the payout, you’ll still owe the difference. Premiums vary by age, health, and the benefit level you select.
That’s why it’s important to **compare Voya with other carriers**—sometimes another insurer may offer higher benefits, lower premiums, or extra features like coverage for outpatient procedures.
Why Get a Quote Through Mintco Financial?
At **Mintco Financial**, we’re an **independent fiduciary firm**. That means:
* We don’t just show you Voya’s plan—we **compare multiple insurers** side by side.
* We recommend what’s truly in your best interest.
* We simplify the process with clear answers and personal guidance.
* We help you understand the fine print before you buy.
Many clients come to us asking about Voya, and we show them how it stacks up against alternatives. Sometimes Voya is the right fit. Other times, a different carrier offers better value.