Daily Hospital Income
Daily Hospital Income pays a fixed cash allowance for eligible hospital stays after a covered accident, subject to the policy's terms and limits. It is different from medical expense cover because the benefit is a set cash amount, rather than reimbursement for your hospital bill.
For example, Great Eastern's private car insurance Product Disclosure Sheet lists a Hospital Cash Benefit with different daily allowances depending on the plan. The actual benefits available may vary, so check the latest quotation and policy documents before buying.
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What does Daily Hospital Income cover?
This benefit provides a fixed cash allowance for eligible days spent in hospital. The amount, who is covered and the maximum payout depend on the plan.
| What to check | How it works |
|---|---|
| Daily allowance | A fixed cash amount for each eligible day in hospital |
| Who is covered | Depends on the policy and the insured persons listed |
| Hospital stay requirements | Minimum stay and eligibility conditions may apply |
| Maximum payout | Limited by the daily benefit and maximum number of payable days |
| Eligibility | Depends on the accident, hospitalisation and policy terms |
Important
Being admitted to hospital does not automatically mean you can claim. Check your policy schedule and wording for the eligibility requirements, exclusions and limits.
You can also read BJAK's guide to Personal Accident (PA) car insurance to understand other types of financial protection for accident-related injuries.
How much can you receive? Great Eastern example
Great Eastern's published private car insurance Product Disclosure Sheet lists the following Hospital Cash Benefit amounts by plan:
| Hospital benefit | Standard | Executive | Premier |
|---|---|---|---|
| Daily cash benefit for hospital confinement | RM100/day | RM200/day | RM300/day |
| Daily cash benefit for ICU confinement | RM200/day | RM400/day | RM600/day |
| Maximum period stated | Up to 60 days | Up to 60 days | Up to 60 days |
Source: Great Eastern Private Car Insurance Product Disclosure Sheet. These figures are an example from the published document, not a guarantee of current availability or your entitlement. Check the latest quotation and policy wording for the benefits that apply to you.
For example, if your policy provides RM100 per eligible hospital day and you qualify for three days, the benefit would total RM300. The actual payout depends on the policy's conditions and claim assessment.
- Day 1 in hospital
- RM100
- Day 2 in hospital
- RM100
- Day 3 in hospital
- RM100
Total benefit
RM300
How to claim Daily Hospital Income
If you are hospitalised after a road accident, follow these steps:
Check your policy
Confirm that the benefit is included and that your hospitalisation meets the eligibility requirements.
Contact your insurer
Ask about the claim process, deadline and required documents.
Prepare your documents
These may include the claim form, hospital admission and discharge records, medical reports, identification and accident details.
Submit your claim
Send the requested documents and respond to any follow-up requests from your insurer.
Claim requirements differ between providers and plans. Confirm the exact conditions with your insurer before submitting your claim.
Daily Hospital Income vs medical and personal accident cover
These benefits serve different purposes and may be available under different policies.
| Benefit | Main purpose |
|---|---|
| Daily Hospital Income | Pays a fixed cash allowance for eligible hospitalisation |
| Medical expense cover | Pays or reimburses eligible treatment costs, subject to policy limits |
| Personal Accident (PA) | May provide benefits for accidental death, permanent disability or medical expenses, depending on the plan |
Check your policy schedule to understand which benefits are included and whether you meet their claim conditions.
Frequently asked questions
No. Availability depends on the insurer and plan. Check your quotation and policy schedule before assuming you are covered.
It depends on the policy. Some plans have minimum hospital stay requirements, so confirm the exact conditions with your insurer.
Some plans may cover passengers as well as the driver. The people covered and benefit limits depend on the policy.
Not necessarily. A benefit linked to a motor accident may only cover hospitalisation resulting from a covered accident. Check your policy wording.
You may be able to receive both benefits if the terms of each policy allow it. A fixed daily allowance may be payable separately from eligible medical expense benefits.
Compare car insurance benefits with BJAK
Before buying or renewing car insurance, check the benefits available for your vehicle, who they cover and their payout limits. Compare the policy terms and exclusions to understand what protection you will receive.