27/01/2026
保险小知识分享
🏥 IL Hospital Benefit 住院利益｜保险小知识分享
很多人以为住院一定要“大病”才可以 claim，
其实不是哦👇
✔️ 只要有住院（哪怕 2 天）
✔️ 符合保单条款
✔️ 而且有附加 IL Hospital Benefit Rider
📌 小提醒｜这是需要附加的 Rider
👉 只有加了这个 Rider，住院时才会有这项保障。
📄 这个案例：
🔹 住院：2 天
🔹 Hospital Income Benefit（HIB）：RM200 / 天
🔹 成功理赔：RM400 💰
🛏️ 出院后，保险公司会：
✔️ 按照实际住院天数计算
✔️ 算出可获得的住院津贴总额
✔️ 几个工作日后
💰 直接把这笔钱汇入顾客的银行户口
👉 这笔钱不一定是医药费，
可以用来：
☕ 交通费
🍱 餐饮
👨👩👧👦 家人照顾开销
保险的意义，不只是报销，
而是生病时，让生活压力少一点。
📩 想知道你的保单有没有加这个 Rider？
欢迎私信我 😊
📌 Insurance Tips
🏥 IL Hospital Benefit | Insurance Tip
Many people think insurance only pays when it’s for a serious illness —
but that’s not always true 👇
✔️ As long as there is hospitalisation
✔️ Even 2 days is enough
✔️ Provided the IL Hospital Benefit rider is added
📌 Important note | This is an additional rider
👉 This benefit is only available if the rider is attached to the policy.
📄 This real example:
🔹 Hospital stay: 2 days
🔹 Hospital Income Benefit (HIB): RM200 per day
🔹 Claim paid: RM400 💰
🛏️ After discharge, the insurance company will:
✔️ Calculate based on the actual number of hospital days
✔️ Determine the total hospital income benefit
✔️ After a few working days,
💰 the full amount will be credited directly into the client’s bank account
👉 This benefit is not just for medical bills.
It can help cover:
☕ Transportation
🍱 Meals
👨👩👧👦 Family support expenses
Insurance is not just about reimbursement —
it’s about easing your financial stress when you need it most.
📩 Want to check whether your policy includes this rider?
Feel free to message me 😊
