EasyHealth Refundable Hospital Income Plan provides you with a Daily Hospital Cash Benefit, regardless of the actual hospital expenses, for 15 years with 10 years of premium payments only. In addition, you will enjoy a refund of 102% of the actual total premium paid at maturity (i.e. end of the 15th policy year) regardless of any claims made during the benefit term. Even if you surrender the policy before the maturity date, starting from 6th policy year, you can get back a percentage of the actual premiums paid, based on the policy year from the effective date.