Does This Insurance Only Cover Hospital Expenses?

No. The cash benefits are paid directly to you, and you can use them however you need — from rent and loan payments to transportation, child care, or other hospital-related expenses.

Does Hospitalization Insurance Overlap with Government or Employer Health Plans?

No. Hospitalization Insurance benefits are paid separately and independently from other plans, allowing you to use it alongside government or employer coverage.

What Conditions Trigger This Insurance Coverage?

This insurance is activated whenever you are hospitalized due to illness or an accident, providing a fixed daily cash benefit starting from the first day of your hospital stay.

Does Coverage Continue After Discharge?

Yes. In many plans, daily benefits continue for a limited period after discharge to help you recover without financial stress.

Are Minor Injuries Like Fractures or Stitches Covered?

Yes. Even for outpatient surgeries or minor injuries requiring stitches or basic treatment, cash benefits are provided to help cover related expenses.

Up to What Age Can Hospitalization Insurance Be Renewed?

This coverage is typically renewable up to age 85.

Why Is Hospitalization Insurance Important?

Because during illness or injury, not only do medical expenses increase, but your income may also stop. Hospitalization Insurance provides direct cash payments, helping your family manage financial pressures during recovery.

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Hospitalization Insurance

Hospitalization insurance covers your hospital and surgery expenses during admission, giving you peace of mind when you need care the most.

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Hospitalization Insurance

Hospitalization insurance is a financial protection plan designed to support you when a sickness or accident requires a hospital stay. By providing direct cash benefits, it helps ease the financial strain caused by income loss or increased living expenses, allowing you to better manage your situation.

Purpose of the Insurance

Provide quick financial support during hospitalization caused by illness or accident
Help cover daily living expenses for your family while you’re unable to work
Offer peace of mind for you and your loved ones during unexpected situations

Main Coverages

Daily hospital benefit: From the first day of hospitalization due to illness or accident, a fixed daily cash amount is paid to the policyholder, helping cover living expenses independently of government or workplace insurance.
ICU benefit: If intensive care is required, the daily benefit amount increases significantly to match the higher level of medical and financial need.
Recovery allowance after discharge: Even after leaving the hospital, the insured continues to receive a daily cash payment for a specified period and amount to support a smooth recovery.
Outpatient surgery and fracture coverage: If an illness or accident requires minor surgery or stitches—even without a long hospital stay—a cash benefit is paid to help offset the costs.
Ambulance expense coverage: The cost of transportation to medical facilities by ambulance is reimbursed based on the chosen plan.

Cash Benefits and Payment Method:

All payments are made directly to the policyholder in cash.
You have complete freedom in how you use the funds — whether for rent, loan payments, childcare, medical expenses, transportation, or other needs.
These payments are made independently of any government or employer insurance coverage.

Covered Scenarios: