ZB Hospital Cash Plan

ZB Hospital Cash Plan

In life, each person aspires to be a better version of themself and provide the best for their families. Their goal is to be and become MORE in every area and aspect. It is this exact premise that inspires us at ZB Life to equip and provide people with the tools and resources they need to advance themselves in life and be prepared to surmount any obstacle or challenge.

Main Features

  • Provides protection against unexpected hospitalisation costs.
  • The plan provides peace of mind from knowing that some funds will be available after hospitalisation
  • It can replace income lost when a person is admitted in a hospital, particularly in the case of self-employed persons.
  • It can complement medical aid benefits if any shortfalls are incurred during hospitalisation
  • A member is allowed to register up to eight dependants and can select the required daily hospital benefit for themselves and the registered dependants.


  • A member should be aged between 18 years and 59 years.
  • Cover for a member should run for a minimum period of 5 years.
  • A dependant should be at least one year old, and not older than 59 years on the date of registration. Cover for child dependants ceases on the attainment of 23 years while that for adult dependants ceases on the attainment of 65 years. A child dependant can be reregistered as an adult upon attainment of 23 years.

Waiting period

A waiting period of 3 months will apply from the commencement date of a policy or the date of registration of a dependant, if later. However, no waiting period will apply in the event of hospitalization arising from accidental causes.


No cover will be provided in the following circumstances:

  • Pre-existing conditions. These are diseases, illnesses or other medical conditions diagnosed or tested for by a medical practitioner in the 24 months immediately preceding the commencement date or date of registration of a dependant;
  • Persons who have tested positive for HIV;
  • Hospitalisation arising from attempted suicide or self-inflicted injuries;
  • Treatment arising or traceable to pregnancy or childbirth;
  • Cosmetic surgery;
  • Admission to a psychiatric ward, care centre or rehabilitation centre within a hospital or institution providing these services.
  • Any act or deed committed by an insured person in violation of any law e.g. driving a motor vehicle without a valid driver’s licence.
  • Willful failure to seek or follow medical advice or the voluntary taking of alcohol and drugs.

Premium Payments

  • The cover will lapse if premium payments are not paid within the allowed grace period of one calendar month.
  • The premium payable in respect of an individual will depend on the selected daily hospital benefit

Get more peace of mind while getting on with life with our ZB Cash Plan.

For any further queries, please get in touch with our Contact Centre on:

Calls: 08677002005

Whatsapp: 0772442685




Daily Hospital benefit

  • The daily hospital benefit is available in units of $50 for each complete day spent in hospital, up to a maximum of $5000 per day.
  • The daily hospital benefit is payable for each complete day spent in hospital after the first 2 days, and shall be subject to a maximum of three hospital confinement events per insured person.
  • The maximum daily hospital benefit payable in a membership year is 90 days for the member; and 45 days for each registered dependant
  • The daily hospital benefit can be paid while the insured person is still in the hospital, should it be anticipated that the period of hospitalization will be longer than 5 days.
  • The principal member has the flexibility to choose a daily hospital benefit for each registered person, although a dependant’s cover cannot exceed that of the principal member
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