Group Hospital Income Benefit
.........Group Hospital Income Benefit is a Supplementary Contract attached to and forming a part of Group Life Insurance Policy (Principle Policy). This Supplementary Contract will provide for an Insured Member the reimbursement of medical expense incurred daily when he is admitted into the hospital as a result of sickness or accidental injury.
Coverage
 .........The benefit covers for 24 hours in and out of occupation without geographical limit provided that the Insured Member has stayed in hospital for at least 6 consecutive hours for treatment of sickness or injury.

Benefits
           The benefit is payable at a rate per day subject to the daily maximum benefit stated in the Schedule of this Supplementary Contract.
 Exclusion
           The company shall not pay the benefit under this Supplementary Contract for the following occurrences
  1. Pre-existing conditions for which the Insured Member received medical treatment within 90 days preceding the effective date of his coverage unless the Insured Member has been insured under this Supplementary Contract for least 12 consecutive months.
  2. Self-destruction or intentional self-inflicted Injuries due to functional disorders of the mind including anxiety state, depression, neuroses, psychosis, neurasthenia; drug addiction or alcoholism.
  3. Injuries arising from wars, revolutions or any warlike operations.
  4. Riot and civil commotion, strikes or terrorist activities.
  5. Special nursing care; general physical check-up or any treatment which is not medically necessary; dental treatment or surgery except that such procedures are necessitated as a result of accidental injuries.
  6. Congenital anomalies; treatment occasioned by or resulting from pregnancy, childbirth, miscarriage or abortion or relating to birth control, sterilization of either sexs, treatments pertaining to infertility.
  7. Cosmetic treatment or surgery for purposes of beautifications; non-medical personal services such as radio, telephone and the like; procurement or use of special braces, appliances or equipments.