ICU Cash Benefit is payable under Hospital Income Protect Plus for which scenario?

• A. When admitted for any reason
• B. Only for illness
• C. Only if dengue
• D. Due to an accident

Answer: (D)

ICU Cash Benefit is a fixed daily payment that kicks in when the insured is admitted to an Intensive Care Unit. In Hospital Income Protect Plus, this benefit is specifically triggered when ICU admission follows an accident. The design is to provide support for the sudden, external event that leads to critical care, rather than for illness-related ICU stays. So the accident scenario best explains when this ICU payout occurs. Illnesses, including conditions like dengue, would not trigger this particular benefit even though they might involve hospitalization under other parts of the policy.