I am now enrolling for new insurance. Of course it has health dental vision and life. It also has a hospital indemnity plan. What is it and is it worth it? It costs $14.50 for the whole family bi-weekly.
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The hospital indemnity is a rider to your health insurance. It will pay you a set amount if you are admitted to the hospital for a covered reason. They usually only pay if you are there because of an accident. This means if you are there having a baby or because of illness they won't pay. You'll have to read the information to see what is covered. Is it worth it? It can be, but these riders are very profitable for the insurance companies.
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