It may be when the policy began/renewed - which would need to be checked?
Eg - the policy was renewed in March this year - 180 days from then -
Read the bold below -
5. Benefits The following benefits and associated T&Cs are only relevant where they are included in the Table of Benefits applicable to Your Plan. You must consult Your Table of Benefits to ensure that a benefit is covered and the appropriate level of cover, if any.
1) General Conditions We will pay benefits for In-patient and Day-patient treatment, side room procedures and Out-patient procedures for a maximum of 180 days per person in any calendar year, less any days treatment within the same calendar year which has been paid under any other health insurance contract (for benefit in respect of psychiatric treatment and addiction treatment, please refer to T&Cs 5(21) and 5(22)).
2) The benefits which We will pay will depend on the terms of Your Policy on: (i) the first day of a hospital stay; or (ii) the date of the treatment if You are not staying in hospital.
3) If the benefits do not cover the full cost of the treatment, You are responsible for any balance.
4) We will pay the actual amount You are charged or the benefits payable under the Policy, whichever is lower.
5) If You use hospital accommodation (including ICU) which requires a higher level of cover than You hold under Your Plan, the level of benefits payable, if any, will be as outlined in Your Table of Benefits. This includes transfers to hospitals, including transfers to ICUs in hospitals which require a higher level of cover than You hold under Your Plan, the level of benefits payable, if any, will be as outlined in Your Table of Benefits. Where a hospital is not listed in the Directory of Hospitals (and Treatment Centres), no benefit will be payable or where a hospital is listed in the Directory of Hospitals (and Treatment Centres) and not covered by Your Plan, no benefit will be payable.