Hospital Cash Insurance Online

Hospital Cash Online

There are hidden costs to hospitalization which are not covered by Health insurance, for example, expenses incurred on conveyance by family members to and from hospital, special diet expenses, expenses incurred by family member staying with patient and so on.

This product provides the insured with a daily cash benefit for each 24 hours spent in the hospital.  Hospitalization could be due to sickness or accident. This product is not a substitute for Health Insurance, rather this is a supplement to the existing insurance covers bought individually or provided by the employer.

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     - This insurance is available to persons between the age of 1 year and 60 years at the
       commencement date of the Policy. However, renewal is accepted up to 70 years.
     - This cover is available for Self, Spouse, Dependant Children and Dependant Parents.

     - Instant coverage
     - No Medical Examination required
     - No Documentation required
     - Up to 180 days of Hospitalization Cash benefit
     - Automatic Renewal Facility
     - Double Accident benefit; Triple ICU benefit
     - Income tax benefits on premium paid as per  section  80D of the IT act

     - For each 24 hour period of hospital confinement, the benefit payable is the daily
       sum insured as per the plan selected by customer.

     - This benefit is payable only in excess of first 24 hours of confinement.

     - Benefit payable will be increased to double the illness benefit for each 24 hour
       period of hours of confinement, resulting from an insured person sustaining bodily
       injury due to road, rail or air accident.

     - This benefit is payable up to a maximum of 21 days during the entire policy period.

       - Benefit payable will be increased to triple the illness benefit for each 24 hour
       period of hospital confinement, where an insured person is being confined to an
       intensive care unit for a maximum of 21 days during the policy period.

       - For this purpose, the Intensive Care Unit shall be the special  hospital unit
         for critically ill patients whose health requires   continuous intensive
         medical care and treatment.

     - A fixed lump sum amount as per Plan chosen is payable if the confinement in
       hospital exceeds 21 consecutive days.

     - This benefit is payable once in the policy period.

     - This benefit is payable only if there is an admissible claim under any of the daily
       benefits.

A discount of 10% is offered if 3 or more persons are covered under the same policy.