Sickness Hospitalisation Income Plan

This plan will provide you with daily benefits for hospitalisation due to a covered sickness.


  • Hospital In-Patient Benefit - Covered sickness
  • Additional Hospital In-Patient Benefit - Critical Illnesses
  • Convalescent Benefit - Covered Sickness
  • Additional Convalescent Benefit - Critical Illnesses


  • This policy covers you if you are hospitalised by an illness
  • The plan can be used to supplement your lost earnings or those of your spouse/civil partner/partner if they take time off work
  • You may be covered by this policy if you are between 5 and 64 years of age at the date of application.  The policy ceases at age 70
  • Whilst you keep your policy in force with Combined Insurance, you receive access to the services of Best Doctors© - a leading medical advisory service


There were approximately 9 million in-patient admissions to hopsitals in the UK in 2009 and 2010. 4.6 of these were aged 15-59 years old.

  • If you need to stay in hospital overnight then the maximum benefit paid for each overnight stay is £200
  • If the illness is due to a critical illness then the maximum benefit paid is £200 per overnight stay
  • Following discharge from hospital the maximum benefit available is £100 for each day of total disability for up to, but not more than, twice the number of in-patient days.
  • Additional Convalescent Benefit - Critical Illness is paid in addition to Hospital In-Patient Benefit Critical Illness and Convalescent Benefit up to a maximum of £100 per day of total disability

Ways we protect you

  1. Benefits paid directly to you:  Benefits will be yours to spend as you choose.  You could replace lost earnings, pay for medical expenses or even take a holiday to help get better – it’s up to you.
  2. Peace of mind: You are protected 24 hours a day, every day of the year, on and off the job

Please read the product summary for policy terms and exclusions.

To learn more about Combined Insurance’s Sickness Hospitalisation Income Plan:

Download Product Brochure

Statistical Sources

1. The Health and Social Care Information Centre 2005 -2011

Click here to download one of our product brochures

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