Health Indemnity & Supplemental Benefits Pure Edge Computation

Hospital Indemnity Fixed-Benefit & Deductible Offset Calculator

Evaluate supplemental hospital indemnity insurance economics. Calculate direct cash disbursements for inpatient admissions and measure how indemnity benefits bridge high-deductible health plan (HDHP) out-of-pocket maximums.

Formula: Total Payout = Admission Benefit + (Regular Days * Daily) + (ICU Days * Daily * ICU Multiplier)

Model Parameters

First-Day Inpatient Admission Lump Sum ($)

Lump-sum cash benefit paid immediately upon initial hospital admission.

Daily Confinement Indemnity ($/day)

Fixed cash payout per calendar day of inpatient hospital stay.

Total Hospital Confinement Length

days

Total scheduled or modeled inpatient hospital stay duration.

Intensive Care Unit (ICU) Days

days

Number of days spent in the Intensive Care Unit (ICU).

ICU Benefit Multiplier

x daily

Policy multiplier applied to the daily benefit while confined in an ICU.

Major Medical Plan Deductible ($)

Your primary health insurance policy annual deductible or out-of-pocket maximum.

Outputs & Underwriting Summary

Calculation Status

OUT-OF-POCKET SHIELD ACTIVE

Verified Model

Total Indemnity Cash Benefit

$3250.00

Admission: $1500.00 | Daily Inpatient: $1050.00

Major Medical Deductible Offset

65.0% covered

Deductible: $5000.00 | Remaining Exposure: $1750.00

ICU & Surgical Rider Breakdown

$700.00 ICU + $0.00 Surgical

Status: OUT-OF-POCKET SHIELD ACTIVE | Direct-to-consumer tax-free cash payout independent of network copays

A 4-day inpatient hospital stay (including 1 ICU day) triggers an aggregate fixed indemnity cash payout of $3,250.00 ($1,500.00 initial admission + $1,050.00 regular confinement + $700.00 ICU rider). This offsets 65.0% of the $5,000.00 major medical deductible, reducing out-of-pocket exposure to $1,750.00.

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