This is a summary of benefits only. A complete description of benefits, limitations, exclusions and termination of coverage will be provided in the certificate of insurance and riders. All coverage is subject to the terms and conditions of the group policy. If there is any discrepancy between this document and the group policy documents, the policy documents will govern. To keep coverage in force, premiums are payable up to the date of coverage termination. Hospital Confinement Indemnity Insurance is underwritten by ReliaStar Life Insurance Company (Minneapolis, MN), a member of the Voya family of companies. Policy form #RL-HI2-POL-18; Certificate form #RL-HI2-CERT-20; Spouse Hospital Confinement Indemnity Rider form #RL-HI2-SPR-18; Childrens Hospital Confinement Indemnity Rider form #RL-HI2-CHR-18; Continuation of Insurance Rider form #RL-HI2-CNT-18; Diagnostic Test Benefit Rider form #RL-HI2-DGR-18; Wellness Benefit Rider form #RL-HI2-WELL-18; Accident Benefit Rider form #RL-HI2-ACD-18; Critical Illness Rider form #RL-HI2-CIR-18; Waiver of Premium Rider form #RL-HI2-WOP-18; and Absence from Employment Premium Waiver form: #RL-HI2-AEPW-2. Form numbers, provisions and availability may vary by state and by your employers plan. HI2 only Date Prepared: 09/29/2025 2024 Voya Services Company. All rights reserved. CN3856232_0926 3704081_091524 Questions? Enrollment instructions will be provided by your employer. If you have additional questions before you enroll, please call: Voya Employee Benefits Customer Service at (877) 236-7564 Scan the QR code to visit your Employee Benefits Resource Center to learn more about this benefit and review instructions on how to file a claim after your effective date. https://presents.voya.com/EBRC/ballstateuniversity The definition of hospital does not include an institution, or any part of an institution used as: a hospice unit, including any bed designated as a hospice or swing bed; a convalescent home; a rest or nursing facility; a freestanding surgical center; an extended care facility; a skilled nursing facility; or a facility primarily affording custodial, educational care, or care for the aged; Critical care unit and rehabilitation facility are also defined in the certificate. *See the certificate and any riders for a complete description of benefits, exclusions, and limitations. Exclusions and limitations The standard exclusions and limitations are listed below. For a complete description of your available benefits, exclusions, and limitations, see your certificate of insurance and any riders. (These may vary by state and/or your employers plan.) Benefits are not payable for any loss caused in whole or directly by any of the following: Participation or attempt to participate in a felony or illegal activity. Operation of a motorized vehicle while intoxicated. Intoxication means the covered persons blood alcohol content meets or exceeds the legal presumption of intoxication under the laws of the state where the accident occurred. Suicide, attempted suicide or any intentionally self-inflicted injury, while sane or insane. War or any act of war, whether declared or undeclared, undeclared (excluding acts of terrorism). Loss that occurs while on active duty as a member of the armed forces of any nation. We will refund, upon written notice of such service, any premium which has been accepted for any period not covered as a result of this exclusion. Misuse of alcohol or taking of drugs, other than under the direction of a doctor. Exception: This exclusion does not apply to a confinement in an eligible hospital or rehabilitation facility for the purpose of treatment for alcoholism or drug addiction. Elective surgery, except when required for appropriate care as determined by a doctor as a result of the covered persons injury or sickness. Riding in or driving any motor-driven vehicle in a race, stunt show or speed test. Operating, or training to operate, or service as a crew member of, or jumping, parachuting, or falling from, any aircraft or hot air balloon, including those which are not motor-driven. Flying as a fare-paying passenger is not excluded. Engaging in hang-gliding, bungee jumping, parachuting, sail gliding, parasailing, parakiting, kitesurfing or any similar activities. Practicing for, or participating in, any semi-professional or professional competitive athletic contests for which any type of compensation or remuneration is received.