23 CAR § 86-304. Hospital confinement indemnity coverage

(a) "Hospital confinement indemnity coverage" is a policy of accident and health insurance that provides daily benefits for hospital confinement on an indemnity basis in an amount not less than eighty dollars ($80.00) per day and not less than thirty-one (31) days during any one (1) period of confinement for each person insured under the policy. (b)(1) No elimination period shall be allowed greater than one (1) day. (2) However, coverage issued as a rider to an existing policy may be written in an amount not less than fifteen dollars ($15.00) per day with the same benefit period and elimination period provided in the existing policy.