Hospital Cash Insurance Policy provides additional protection & takes care of your incidental expenses such as travelling, food etc. which are not covered under your Health Insurance Policy in an event of Hospitalization. This policy provides cover on lump sum basis for the expenses incurred by the insured during hospitalization due to Illness / Sickness / Injury.
HIGHLIGHTS OF THE PLAN
Plans Offered This policy offers Basic and Enhanced plan options with exclusive benefits. Policy Term This policy can be availed for a term of 1 year, 2 years or 3 years. Policy Type This policy can be availed either on an Individual or Floater basis. Entry Age Any person aged above 90days can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered. Hospital Cash Days The number of hospital cash days varies from 15 to 180 days. Day Care Procedures Expenses incurred for the specified day care treatments mentioned in the policy clause are covered up to five times in a policy year. Hospital Cash Amount (Per Day) The available daily hospital cash amounts under Basic plan are ₹ 500, 1000, 2000 and 3000/-, and Enhanced plan are ₹1000, 2000, 3000, 4000, 5000…upto ₹25000/- per day in multiples of ₹1000. Understand what’s included
IMPORTANT HIGHLIGHTS Sickness Hospital Cash Daily hospital cash due to sickness is provided up to the hospital cash amount for the maximum number of days chosen by the insured. Under Basic plan, one day deductible is applicable. Accident Hospital Cash Daily hospital cash due to accidents is provided up to 150% of the hospital cash amount opted by the insured person for the maximum number of days chosen by the insured. ICU Hospital Cash Daily hospital cash for ICU expenses due to sickness or injury is provided up to 200% of the hospital cash amount opted by the insured person. The maximum number of hospital cash days varies between individual and floater policies. Convalescence Hospital Cash In case of hospitalisation beyond 5 consecutive days, additional lumpsum of 5 times the hospital daily cash limit amount is provided as convalescence hospital cash. Compassionate Hospital Cash In case of hospitalisation due to trauma or critical ailment, and if the person is not able to survive during the Hospitalised period, additional lumpsum of 10 times the hospital daily cash limit amount is provided as compassionate hospital cash. Child Birth Hospital Cash Female insured persons are eligible to avail daily hospital cash benefit towards childbirth after a waiting period of 2 years from the first commencement of this policy. Companion Hospital Cash 50% of the Daily Cash Benefit will be payable in respect of the accompanying person taking care of the insured. Worldwide Hospital Cash In case of hospitalisation towards illness or injury outside India, 200% of daily hospital cash amount subject to maximum number of days chosen by the insured person is provided. Day Care Procedures Expenses incurred for the specified day care treatments mentioned in the policy clause are covered up to five times the per day Hospital cash limit, in a policy year. Accident Death & Permanent Total Disability Opted Sum Insured will be payable on Accidental Death or Permanent Total Disablement. #Please refer to the Policy Documents to know the policy details and Terms & Conditions, Exclusions and Waiting Periods ., since the conditions and allowed benefits vary from insurer to insurer.
