Final answer:
Hospital indemnity policies generally consider hospitalizations for different causes as separate events, with benefits paid out for each. Policy terms vary, so individual policy details should be reviewed.
Step-by-step explanation:
Under a hospital indemnity policy, if two hospitalizations are for different causes, they are typically considered separate events. Each hospitalization claim is managed on its own merits and the benefits are usually paid out separately. However, policies can differ greatly and it's important to review the specific terms and conditions of your individual policy.
Many hospital indemnity policies provide a fixed benefit amount per day of hospitalization or per medical event, which is payable regardless of the actual hospital charges. The benefit is designed to help cover out-of-pocket expenses that health insurance might not cover, such as deductibles, copayments, and non-covered services.