Hospital Cash Plan
If you have to stay in hospital, you won’t want to worry about the extra expenses. With our cover you’ll get from £80* a day which could help with your unexpected costs.
*Standard Silver cover
Get Standard cover 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: Accidental death, Permanent total disablement or loss of one or more limbs, sight or hearing.
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.