This is an individual cover that guarantees income replacement in case an insured is admitted in hospital for more than 3 days. The waiting period is 30 days for new entrants to the cover from the date of Issue (Effective Date) before the insurance cover take effect unless treatment is due to injuries because of an accident. Claims are paid once you have been discharged from hospital and effected the claim process. If you are in hospital longer than 10 days, you can start the claim process while still admitted.
