Zurich Hospital Income Plan

Zurich's Hospital Income plan pays a fixed daily cash benefit of HK$500-2,000 per day of hospitalisation regardless of actual costs — functioning as income replacement rather than expense reimbursement. At HK$800/year for a 35-year-old claiming HK$1,000/day, a 10-day hospitalisation returns HK$10,000 cash against HK$8,000 in premiums paid over 10 years — plus the option to spend it on anything (childcare, lost income, transport) not covered by medical expense reimbursement plans. Best used as a supplement to a primary VHIS plan rather than standalone coverage.