An additional daily cash benefit is payable during the Insured Person’s medical leave period after a minimum of 7 consecutive days of hospitalisation.
Allianz Hospital Income Protect
Offset your hospital expenses
with Allianz Hospital Income Protect
with Allianz Hospital Income Protect
Recuperation Benefit
No Claim Bonus
Insured Person can enjoy 10% premium discount for each year without a claim, up to a maximum of 30%.
15% Discount for Couple/Family Plans
Insured Person can add his/her spouse, as well as up to 10 children in the policy for a couple/family plan. All couple/family plans will enjoy a 15% premium discount on the adult premium payable.
Lump Sum Payment upon diagnosis of Infectious Disease including Dengue and HFMD
Lump sum payment upon diagnosis of Dengue, Zika, Malaria, Japanese Encephalitis, Chikungunya, and Hand Foot Mouth Disease.
Coverage/Benefits Schedule
Silver Plan
BENEFIT LIMIT (SGD)
Gold Plan
BENEFIT LIMIT (SGD)
Platinum Plan
BENEFIT LIMIT (SGD)
Child Plan
BENEFIT LIMIT (SGD)
Section I: Basic Hospitalisation Benefits
Ambulance / Transport Fee
S$200 per accident
S$200 per accident
S$200 per accident
S$200 per accident
Additional Feature - No Claim Bonus of 10% each year, up to a maximum of 30%
Annual Premium Table (in SGD inclusive of GST)
Age
Silver Plan
Gold Plan
Platinum Plan
Child Plan
18 – 30 years old
S$235.44
S$392.40
S$549.36
S$78.48
31 – 40 years old
S$261.60
S$444.72
S$601.68
S$78.48
41 – 50 years old
S$366.24
S$614.76
S$850.20
S$78.48
51 – 54 years old
S$510.12
S$863.28
S$1,268.76
S$78.48
55 – 60 years old
S$575.52
S$967.92
S$1,373.40
S$78.48
61 – 65 years old (renewal)
S$837.12
S$1,373.40
S$2,118.96
S$78.48
66 – 70 years old (renewal)
S$1,242.60
S$2,275.92
S$2,903.76
S$78.48
Monthly Premium Table (in SGD inclusive of GST)
Age
Silver Plan
Gold Plan
Platinum Plan
Child Plan
18 – 30 years old
S$19.62
S$32.70
S$45.78
S$6.54
31 – 40 years old
S$21.80
S$37.06
S$50.14
S$6.54
41 – 50 years old
S$30.52
S$51.23
S$70.85
S$6.54
51 – 54 years old
S$42.51
S$71.94
S$105.73
S$6.54
55 – 60 years old
S$47.96
S$80.66
S$114.45
S$6.54
61 – 65 years old (renewal)
S$69.76
S$114.45
S$176.58
S$6.54
66 – 70 years old (renewal)
S$103.55
S$189.66
S$241.98
S$6.54
Please refer to the Policy Wording for the full list of benefits with the applicable terms and conditions.
Offset your hospital expenses with Allianz Hospital Income Protect
More about Allianz Hospital Income Protect
The Insured Person must be:
- Holding a valid Singapore identification document such as a Singapore NRIC, Employment Pass, Work Permit, Long Term Visit Pass, Student Pass, Dependent's Pass, or other recognised work pass entitling the holder thereof to remain, or enter and remain, in Singapore; and
- i. for an Adult, between 18 and 60 years old (both ages inclusive), or up to 70 years old for renewal policies,
ii. for a Child, between 30 days and 18 years old or 24 years old for those registered as full time students at an Educational Institution.
Terms defined herein shall bear the same definitions as prescribed in the Policy Wording.
- Allianz Hospital Income Protect Policy is underwritten by Allianz Insurance Singapore Pte. Ltd. (Allianz).
- The above information is for reference only. If you are unsure if this product is suitable for you, we strongly encourage you to speak to a qualified insurance adviser. Otherwise, you may end up buying a plan that does not meet your financial expectations or needs.
- The Policy may contain terms and conditions which are not detailed in the above. Should there be any discrepancy between the information contained in the above and the terms of the Policy, the terms of the Policy shall prevail. For exact terms and conditions and details of the exclusions, please refer to the Policy Wording or contact Allianz.
- Pre-existing medical conditions and the following occupational activities are not covered by this plan:
a. Full time military, air force, navy, police and civil defence personnel (other than activities that are sedentary desk-bound duties, SG National Service or reservist training);
b. Any professional sportsman, motor car/bike racer, entertainer, stuntman, jockey, wood working, welding;
c. Any air/sea crew;
d. Any off-shore Occupations (ship crew, diver, oil-rigger, fisherman);
e. Any construction worker; and/or
f. Workers engaged in maintenance, cleaning, roofing or repair activities involving scaffolding or gondolas
Allianz strongly recommends that you read the full list of exclusions and all terms and conditions when you receive your Policy Wording.
- Any claims resulting from an Illness or Infectious Disease within 30 days of the first effective date of the Policy shall be excluded.
- Only 50% of the Daily Hospital Cash benefit will be payable should the Insured Person reside outside of Singapore for more than 90 consecutive days.Allianz reserves the right to terminate coverage at any time by giving thirty days' notice in writing to the Insured Person at his last known address, and the premium hereon shall be adjusted on the basis of Allianz receiving or retaining pro-rata premium.
- Yearly premiums payable for this coverage will increase when the Insured Person reaches the next age band at policy renewal.
Premium rates are not guaranteed and may be increased or varied by Allianz:
i. when a material change in risk occurs or
ii. when there is a general rate increase affecting all policyholders reflecting Allianz's actual or anticipated results in this class of business. - It is noted and agreed that subject to the terms and conditions and payment of premium, this policy shall be renewed upon expiry until a notice of cancellation has been received.
- Please refer to Your Guide to Health Insurance for more information. You may also visit the GIA website www.gia.org.sg for a copy of the booklet.
- You give consent to Allianz and its affiliates, third party service providers, related entities and business partners as well as their and its respective representatives and/or agents, may collect, use and disclose personal data related to you and other individuals provided by you for purposes including but not limited to underwriting, processing and administering any policy and/or claim, due diligence, renewals, audit, compliance, data storage, and providing general information about our products and services, and general communication with you, digitally or otherwise.
- This Policy is protected under the Policy Owners’ Protection Scheme, which is administered by the Singapore Deposit Insurance Corporation (SDIC). Coverage for your policy is automatic and no further action is required from you. For more information on the types of benefits that are covered under the scheme as well as the limits of coverage, where applicable, please visit the GIA or the SDIC websites (www.gia.org.sg or www.sdic.org.sg).
- This advertisement has not been reviewed by the Monetary Authority of Singapore.
- Information is accurate as at Nov 2023.
Frequently Asked Questions
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About the Product
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Who's Covered
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What's Covered
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Pricing & Purchase
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Claims
Allianz Hospital Income Protect is a hospital cash insurance plan offered by Allianz Insurance Singapore. It pays you a daily cash benefit for every day you're hospitalised due to illness or injury—on top of any other insurance you have. The cash can be used for anything: medical bills not covered by your health insurance, daily expenses, loss of income, or family support costs. The policy also includes benefits for ICU stays, recuperation after discharge, and infectious diseases like Dengue.
Health insurance (like MediShield Life or Integrated Shield Plans) reimburses your hospital bills—you submit receipts and get paid back for what you spent. Hospital income insurance like Allianz Hospital Income Protect pays you a fixed daily cash amount regardless of your actual bills. You can use this cash for anything: out-of-pocket medical costs, household expenses, childcare, or income replacement while you recover. Many people have both—health insurance to cover bills, and hospital income insurance for extra cash support.
You can purchase Allianz Hospital Income Protect if you hold a valid Singapore identification document (NRIC, Employment Pass, Work Permit, LTVP, Student Pass, or Dependent's Pass).
Age limits: 18-60 for new policies, up to 70 for renewals. You can also cover your spouse and children up to age 18, or 24 if full-time students. No medical examination is required.
Allianz Hospital Income Protect includes:
- Daily Hospital Cash — Fixed daily payout for every day you're hospitalised (more than 12 hours), up to 750 days per illness/injury
- Double Daily Hospital Cash (ICU) — Payout doubles if you're in the Intensive Care Unit, up to 90 days
- Recuperation Benefit — Daily cash during medical leave after at least 7 days of hospitalisation, up to 30 days
- Medical & Surgical Expenses — Reimbursement for hospital bills from accidents (includes TCM and chiropractic treatment)
- Ambulance/Transport Fee — Reimbursement for ambulance or taxi to/from hospital after an accident
- Infectious Disease Benefit — Lump sum payout if diagnosed with Dengue, Zika, Malaria, Chikungunya, Japanese Encephalitis, or Hand Foot Mouth Disease
Yes. Allianz Hospital Income Protect covers hospitalisation anywhere in the world. However, if you've been living outside Singapore for more than 90 consecutive days before hospitalisation, only 50% of the Daily Hospital Cash benefit is payable. Medical & Surgical Expenses are only covered for injuries (accidents), not illness, when overseas.
Premiums depend on your age band and chosen benefit level. Premiums increase when you move to the next age band at renewal. However, there's no additional loading after making a claim—your premium stays the same.
Discounts available:
- No Claims Bonus — 10% discount per claim-free year, up to 30% after 3 years
- Couple Plan — 15% discount on total premium
- Family Plan — 15% discount on adult premiums
- Notify Allianz within 30 days of the hospitalisation or diagnosis
- Complete a claim form
- Submit supporting documents — hospital discharge summary, medical certificates, invoices, and receipts
Contact: [email protected] or +65 6222 1919
Important: You must be hospitalised for more than 12 hours to claim Daily Hospital Cash. For Recuperation Benefit, you need at least 7 consecutive days of hospitalisation plus certified medical leave.
Yes. The Daily Hospital Cash, ICU Cash, and Recuperation benefits are paid in full regardless of any other insurance you have—including company medical coverage or other hospital income policies. You can stack multiple policies and receive payouts from all of them.
For Medical & Surgical Expenses (accident-related), Allianz only reimburses amounts not covered by your other insurance—no double-claiming for the same bills.