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With hospital cash insurance, the insured shall receive an agreed amount for each day that he (for whatever reason) must spend in the hospital. If a hospital-cash-insurance is completed within an accident insurance, then hospital cash benefits will be paid only for the days that you have to spend in a hospital after and due to an accident. The hospital day’s cash insurance is used to cover the additional costs incurred by the hospitalization – e.g. Childcare costs.