Unlike a medical aid where specific procedures and medicines are paid for, the hospital cash cover benefits are paid directly to you. The money can be used for whatever you choose, you could use it to cover the shortfall in medical aid payments or it can be used to cover any shortfall in your income while you are in hospital - the choice is yours.
No, the policy is not to be confused with a medical aid. The policy pays a daily benefit if you are admitted to hospital. This daily benefit is constant irrespective of the amount that the hospital charged you.
Most hospital cash cover plans cover your hospitalisation resulting from accidental causes from the Date of Commencement and once the first premium has been paid. Cover for hospitalisation due to illness commences after either 6 or 12 months (depending on the plan selected by you) of paid premiums.