What is a Daily hospital cash?
Daily hospital cash pays a fixed amount for each day you are hospitalised, on top of your main claim, to help with incidental costs like travel, attendant or lost income. It is a defined-benefit add-on with a per-day amount and a cap on the number of days, independent of your actual bill.
How the benefit works
For every eligible day of admission (often after an initial deductible day or two), the policy pays a set cash amount regardless of your hospital charges. It is meant for the side costs a bill-based claim ignores.
The benefit is capped per day and per hospitalisation or per year, and usually needs a minimum length of stay to trigger.
Example
With a daily hospital cash benefit, a multi-day admission pays a fixed sum per eligible day into your hands, helping cover an attendant's costs and days off work — separate from the main reimbursement.
Common mistakes
- Expecting hospital cash to cover the bill — it is a small daily top-up, not the main cover.
- Missing the minimum-stay or first-day-deductible condition.
Frequently asked questions
Is daily hospital cash paid in addition to my claim?
Yes. It is a fixed daily benefit paid on top of your main indemnity claim, intended for incidental costs, subject to per-day and duration limits.
Does it start from the first day?
Many plans apply a short deductible (for example the first day or two) and require a minimum stay. Check the exact trigger in your policy.