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Hospital Cash Plan

If your income is unpredictable, you may find the Hospital Cash Plan a good addition to any existing health care plan you may have.  If you were in hospital due to accident or illness, this cover would pay out a cash benefit for every night in a UK hospital to help support your family.

If you’re self-employed or on a zero-hour contract, life is challenging enough. What if you injure yourself  or are ill and end up in hospital? With the added challenge of getting by on less money, would your family manage to pay the rent or household bills?

When you’re lying in a hospital bed recovering, it’s nice to get cards and flowers from your family and friends. But it is also great to know you will get some cash … to help you focus on your recovery.  We’ve created a Hospital Cash Plan to help people with unpredictable incomes. This cover would pay out a cash benefit for every overnight stay up to 60 nights in total in a UK hospital to help support your family.

Choose from Individual, Individual and Partner, Individual and Children or Whole Family options

 

  • You’re covered for overnight stays in a UK hospital due to accident or illness (exclusions apply)
  • Payouts direct to you – great for when you need it
  • Rolling monthly premiums – no annual payments
  • Teladoc Virtual Medical Care is included for the life of your policy

Choose from Standard, or you can choose to add Enhanced Cover

 

Standard Cover provides:

  • A cash benefit for each overnight stay of the insured person in a UK hospital due to bodily injury, illness or disease (maximum of 60 nights)
  • A lump sum cash benefit payable upon discharge if the same insured person stay included 7 consecutive nights in a High Dependence Unit or Intensive Care Unit.

Optional Enhanced Cover additionally provides:

  • A cash benefit for each overnight stay of the insured person in a UK hospital due to pregnancy complication, childbirth or non cosmetic elective surgery (after the 3rd night and for a maximum of 60 nights).
  • A lump sum cash benefit payable for recuperation after a hospital stay of 7 consecutive nights or more.
  • A cash benefit for outpatient appointment visits to a UK hospital or physiotherapy treatment away from hospital following an approved claim for an inpatient stay (maximum of 6 appointments / physio sessions).

Personal Accident benefits for:

  • Accidental death
  • Permanent total disablement (if you are prevented from doing your usual occupation for the remainder of your life)
  • Loss of one or more limbs, loss of sight in one or both eyes, loss of hearing in one or both ears.

3 different levels of cover for you to choose from:

Standard Cover
Silver Gold Platinum
1. Inpatient hospitalisation for each inpatient stay:

a) due to bodily injury, illness or disease 

- per overnight stay

Payable for a maximum of 60 overnight stays

£80 £100 £200          
b) Payable on discharge from hospital following a valid claim under item 1.a) above if the hospitalisation included a minimum of 7 consecutive overnight stays in a HDU or ICU
- one payment of

 

 

£320

 

 

£400

 

 

 

£800

 

Enhanced Cover

The following benefits are only applicable where Enhanced Cover is shown on your schedule.

Silver Gold Platinum
2. Inpatient hospitalisation for each inpatient stay:

a) due to elective surgery 

- per overnight stay

Payable from the third consecutive overnight stay for a maximum of 60 overnight stays

£40 £80 £100          

b) due to pregnancy complications or childbirth

- per overnight stay

Payable from the third consecutive overnight stay for a maximum of 60 overnight stays

£80
£100

 

£200

 

3. Out-patient benefit 

For each scheduled follow up visit to a hospital as an out-patient for check-ups, consultation, or treatment that is considered medically necessary by a doctor for the insured person and which is connected with a previous valid claim for that insured person under item 1.a) above.

- per out-patient visit

Payable for a maximum of 6 out-patient visits for any one insured person and any one connected claim

Or

Physiotherapy benefit

For each physiotherapy session not at a hospital considered medically necessary by a doctor for the insured person following a valid claim under item 1.a) above and undertaken within 26 weeks of the hospitalisation.

- per physiotherapy session 

Payable for a maximum of 6 physiotherapy sessions for any one insured person and any one connected claim

 

 

 

 

 

 

 

 

 £40

 

 

 

 

 

 

 

 

 

 

£40

 

 

 

 

 

 

 

 

£50

 

 

 

 

 

 

 

 

 

 

£50

 

 

 

 

 

 

 

 

£100

 

 

 

 

 

 

 

 

 

 

£100

4. Recuperation benefit

Payable on discharge from hospital following a valid claim under item 1.a) or 2.b) above if the hospitalisation was for 7 consecutive overnight stays or more.

- one payment of 

 

 

 

£320

 

 

£400

£800
5. Accidental death £40,000 £40,000 £40,000
6. Permanent total disablement £80,000 £80,000 £80,000

7. Loss of limb:

a) two or more
b) one


£80,000
£40,000

£80,000
£40,000

£80,000
£40,000

8. Loss of sight:

a) in both eyes
b) in one eye


£80,000
£40,000

£80,000
£40,000

£80,000
£40,000

9. Loss of hearing:

a) in both ears
b) in one ear


£50,000
£25,000

£50,000
£25,000

£50,000
£25,000

All benefits payable in respect of dependent children are 50% of those shown above, except for the accidental death benefit, which is £7,500.

Benefits are not payable in the 30 days immediately following the effective date of the policy, unless they relate to bodily injury.

Key Exclusions

We won’t pay out in certain circumstances which are detailed in the policy, including:

  • Pre-existing medical conditions
  • If your injuries are self-inflected
  • If the accident happens while you are involved in an unlawful act
  • If you deliberately or recklessly expose yourself to danger
  • Airborne activities apart from commercial flights as a passenger
  • No type of mental disorder is covered
  • Permanent total disablement for children of 16 years of age or under or 65 years of age or over at the date of the accident

Price is dependent on your age and the cover option you choose so please call us for a personalised quote. Cover under the policy stops on the first premium due date after your 65th birthday.

Please refer to the policy document for full terms & conditions, exclusions and limitations.

Expert medical advice with your hospital cover

The Hospital Cash Plan doesn’t just cover your family’s financial needs. It also helps protect your and their health with Virtual Medical Care from Teladoc for the lifetime of your policy.

  • Receive medical advice, prescriptions or specialist referrals 24/7
  • Be assessed by leading experts and ask for second opinions
  • Connect with a GP via a secure phone call or videocall
  • Use the service as often as you need it
  • Your subscription covers two adults and two children

An insurance company with over 100 years of experience

With roots that trace back to 1919, AIG is a global insurance company with operations in more than 80 countries and jurisdictions and we have more than 60 years' experience in the UK alone. If you are unfortunately admitted to a UK hospital for overnight stay due to illness or accidents, we are able to help ease your financial needs as we’ve created hospital cover for today’s world.

Help to protect your family with hospital cover

Call 0800 028 2257

Lines are open 9.00am to 5.00pm, Monday to Friday

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Documents

The cover provides a range of cash benefits if you are admitted to hospital overnight due to accidents or illness, subject to exclusions as detailed in the policy document.