Hospital Cash Insurance


Hospital cash insurance pays a fixed amount of money for each day you are hospitalised for medical treatment or surgery. The total amount paid under this policy may be more or less than your actual medical expenses.

Do note that:

  • A hospital cash insurance policy may have a waiting period, a defined period from the start of the policy during which benefits would not be paid under certain conditions. If you are hospitalised during this period, no benefits would be paid.
  • Benefits may also be paid for only a fixed number of days each year or the life of the policy. If it’s for a fixed number of days over the life of the policy, the policy will end once the lifetime limit has been reached.
  • Waiting periods and benefit limits may vary across policies.