由于住院所发生的费用是相当可观的，故将住院的费用作为一项单独的保险。住院保险的费用项目
终身健康保险涉及到在私人健康保险的住院保险（hospital cover）中缴付附加费 (LHC loading) ，其目的是鼓励人们在年青时尽早买住院保险，并持续投保。如果您年青.
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美国的企业和个人必须参加住院保险，交纳住院保险税。
S. businesses and individuals to participate in hospitalization insurance, payment of hospital insurance tax.
在城市医院，没有保险的病人往往比有保险的病人拥有更短的住院时间和更少的手术。
At City Hospital, uninsured patients tend to have shorter stays and fewer procedures performed than do insured patients.
增加的住院天数，为消除感染而服用抗生素加固物，这都将导致高额的费用。但幸运的是，保险可以减少这些开销。
Increased hospital stays and antibiotic reinforcements to eradicate the infection lead to these higher bills, but fortunately for sufferers, insurance picks up the TAB.
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