CMFAS HI Critical Illness, Other Products & Managed Care question: Hospital Cash policy pays a fixed S$150 per day

A Hospital Cash policy pays a fixed S$150 per day, capped at 180 days per hospitalisation and 1,000 days per lifetime. In a single hospitalisation the insured (who has made no prior claim) stays 200 days. How much is paid for this confinement?

• A S$30,000, for all 200 days stayed, as the 1,000-day lifetime limit is not reached
• B S$24,000, being 160 days at S$150 after deducting the 20 days over the cap
• C S$27,000, because payment is capped at 180 days per hospitalisation
• D S$25,000, paid as a fixed sum per hospitalisation