Frequently asked questions

DAY-AID Hospital Cash Back Plan assists you and your family should your life be disrupted by hospitalisation. The plan provides you with a benefit for each day you were in hospital in the event of hospitalisation for 3 or more days as a result of an illness or accident. It is not a medical aid and is not meant to replace one. The benefit is only paid on discharge.

• It pays from R200 – R5000 cash for each day in hospital
• Up to 1 year's (up to 20% of) premiums paid back in cash after every 5 years
• R50 000 accidental death or disability cover and an additional R10 000 if death or disability was due to an accident while travelling as a fare paying passenger on public transport.

You must be between the ages of 18 – 59 to take up the policy and you must be earning a minimum gross monthly income of R2000 a month. The Policyholder and the Insured Persons must be South African citizens or legal permanent residents and must ordinarily reside in the Republic of South Africa.

Medical aid covers you for your medical or hospitalisation costs. DAY-AID gives you cash to cover your day-to-day living expenses, like school fees, petrol, taxi fair, groceries. The list is endless; you can do whatever you want with the money. Note: You will get your cash benefit once you have been discharged and provided your claim is valid.

You do not need to have any medical tests as a pre-qualifying condition, but there are waiting periods that will apply and these are explained in the table below.

You can be admitted to any hospital (as defined in the policy wording) whether it’s a private or government hospital, we will pay you, not the hospital or doctor.

It is your cash; you can use it for whatever you want. Whether it’s paying for kids’ school fees, groceries or any other pressing commitment.

Absolutely! You can include yourself, your spouse, and your children.

You must be in hospital for at least 3 consecutive days. After 3 consecutive days it will pay you out from day 1. Note: You will get your cash benefit once you have been discharged and provided your claim is valid.

The waiting periods are as follows:

There is no waiting period for these benefits and cover is immediate after paying the first premium.

You can claim as long as you are hospitalised for at least 3 days. Claims are payable at the end of the period of hospitalisation (i.e. on discharge) or when 30 (thirty) days benefit is due, whichever is earlier. Each insured person is covered for a maximum of 180 (one hundred and eighty) days of hospitalisation in total after which their cover ceases to exist.

If you cancel your policy before 5 years you will not get the cash back benefit.

You have 30 days to pay the premium that you missed. Your cover will continue for this time, but if you claim, the unpaid premium will be deducted from the claim amount paid out.

If you do not pay the premium that you missed within 30 days of the premium due date your cover will lapse and you will not be able to claim for hospitalisation after that date.

Daily Hospital Benefit, Accidental Death, Accidental Disability and Public transport Benefits.

Hollard will not be liable to pay a benefit if any claim arises directly or indirectly from:

• wilful exposure to danger (except in an attempt to save human life), intentional self-inflicted injury, suicide or attempt thereat;
• an Insured Person engaging in:
  • combat duties, military exercises or any active service within any military, naval, air, police or correctional services body; or
  • the active duties of the provision of security or protection services to/for any organisation/individual; or
  • a Terrorists Activity; or
  • labour disturbances, riot, strike or lock-out; or
  • Hazardous or Professional Sports / Activities more than once a month or on an income earning basis;
• an Insured Person driving any type of vehicle when the Insured Person had an alcohol content which exceeded the legal limit allowed for driving by the laws of the country where the Accident occurred, irrespective of the manner in which such measurement was taken;
• the use of drugs with a narcotic effect by an Insured Person, unless it is proved that the drug was used in accordance with proper medical prescription and not for the treatment of a drug addiction;
• the Insured Person refusing medical treatment recommended by a Physician;
• the use of nuclear, biological, chemical or explosive weapons or any radioactive contamination;
• the unreasonable or wilful neglect or failure of an Insured Person to seek and remain under the care of a Medical Practitioner;

In addition to the above, for the Daily Cash Benefit Hollard will not be liable to pay a benefit if any claim arises directly or indirectly from:

• Hospitalisation due to obesity, cosmetic or plastic surgery (including breast reduction and enlargement) except in the case of bodily reconstruction as a direct result of an injury sustained in an Accident;
• Hospitalisation due to any form of mental illness, mental disability, mental impairment and psychopathic disorders, all forms of depression, major affective disorders, psychotic and neurotic conditions, as well as all stress and anxiety related disorders;
• Hospitalisation in a Hospital outside the borders of the Republic of South Africa unless Hospitalisation is due to a Medical Emergency;
• Hospitalisation for routine physical or other examination or observation in the absence of objective indications of impairment in normal health;
• Hospitalisaltion not recommended by a qualified physician;
• Hospitalisation of the Insured Person’s own choosing which has no connection with any illness;
• Hospitalisation for the investigation of pain and pain related conditions and treatment in this context includes bed rest, traction, physiotherapy, spinal blocks, medication or intravenous medication;
• Hospitalisation due to pregnancy or due to complications related to pregnancy where childbirth occurs earlier than 60 (sixty) days before the expected due date;
• Hospitalisation for the treatment of infertility or the artificial insemination of a person as defined in the Human Tissues Act, 1983 (Act 65 of 1983) or any amendment thereto or replacement thereof;

You only covered for hospitalisation in a hospital outside of the country (South Africa) if the hospitalisation is due to a Medical Emergency and you were outside the country for less than 90 days. Medical Emergency means an accidental injury or a condition that occurs suddenly and unexpectedly and that poses an immediate threat to a person's life or long-term health and that requires immediate medical intervention.