How much does Hospital Indemnity Insurance cost? This table shows your rates for Hospital Indemnity Insurance. Hospital Confinement Indemnity Rates by Level Coverage Type Daily Benefit Bi-weekly Rate Employee $100 $9.39 Employee + Spouse $100 $18.20 Employee + Children $100 $13.79 Employee + Family $100 $22.60 *Child(ren) birth to age 26; no limit to the number of children per family. How does it work? With Hospital Indemnity Insurance, you’ll receive a fixed daily benefit if you have a covered stay in a hospital, intensive care unit*, or rehabilitation facility after your coverage effective date. Benefit amounts are listed below. For a list of standard exclusions and limitations, go to the end of this document. When your stay begins When you are admitted to a covered medical facility, you become eligible for an admission benefit. This benefit is payable once per confinement, up to a maximum of 1 admission(s) per calendar year: Type of Admission Benefit Amount Hospital Admission $1000 Intensive Care Unit* Admission $2000 Health System Benefit If you are admitted to a hospital, intensive care unit*, or rehabilitation facility owned by your employer, the benefit amounts listed above will increase by 25%.