Will I be able to claim hospital income if I was not confined at the hospital?

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• When will I receive the benefits of my hospital income claim?

  You will get paid after you have been discharged from a hospital recognized by the Bureau of Medical Services.

• To whom will the Insurance Company pay the benefits?

  This will be paid to you, the insured, and not the hospital.

• Will I be covered anywhere I go?

  Yes. The coverage is worldwide unless stated in your policy. Usual exclusions are countries experiencing war, terrorism, etc. Otherwise, you are covered 24/7, all year.

• How much can you get from your own damage insurance?

  The coverage will depend on your vehicle’s fair market value or FMV. It also usually comes with a deductible or a sum of money you pay as a participation fee in the claim.

• If I sell my vehicle, will the insurance transfer to the new owner?

  No. The policy is attached to the person and not the insured vehicle. In order to make a change of ownership, the person must request to transfer the policy to the new owner. Those requests are subject to the approval of the insurance company.