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Hospital Cash Insurance

Posted by Royal Sundaram on 03 Jan 2012

Hospitalization by itself can be a traumatic experience; added to it will be the financial burden. While regular health insurance plan can take care of the expenses of hospitalization and medical treatment, often the added burden of spending for conveyance, food and loss of income during hospitalization can have a debilitating effect both psychologically and financially.


It is at these moments when a supplemental health cover like Hospital Cash Insurance can make a huge impact. In unfortunate situations when your loved one is admitted in hospital, one needs to travel back and forth between hospitals; take care of special dietary needs and even stay at the patient’s bedside to take care of them. Apart from these incidental expenses arising from these needs, there is also the potential loss of income when one is not able to go to work and is forced to take leave on loss of pay.

The right choice of a Hospital Cash Insurance plan can offer daily cash benefit plans for each day of your hospitalization. It can also alleviate the burden of bearing additional expenses like travel between home and hospital, special dietary needs and so on.

Depending on the plan you opt for, you could even be paid a fixed amount for each day of your hospitalization and this is irrespective of the costs of the actual hospitalization.

Apart from the tax benefits offered by this plan, some of the other benefits one can experience with the ideal Hospital Cash Insurance plan are:

  • Daily cash benefit for each 24-hour period in the hospital
  • Double Accident benefit
  • Triple ICU benefit and Convalescence benefit

While Hospital Cash Insurance offers a host of benefits for the insured during hospitalization, it is not a substitute for Health Insurance. It should only be treated as a supplement to your existing health insurance cover.

Royal Sundaram has been in the forefront of providing innovative insurance solutions. The company caters to the needs of the every individual and offers features and benefits of Hospital Cash Insurance highlighted above. What’s more you also get tax benefits under section 80 D of the I.T Act. Also there is no documentation or medical test required when you buy this policy online.

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11 responses to “Hospital Cash Insurance”

  1. admin says:

    Hospital Cash Insurance is a supplement to health insurance as it is aimed to cover incidental expenses which are normally not covered under your health insurance. Click on the following link to know more. /blog/hospital-cash.aspx

  2. admin says:

    Hospital Cash Insurance is only a supplement to health insurance as it is aimed to cover incidental expenses which are normally not covered under your health insurance. Hence it would be ideal for you to retain your health insurance and also buy our hospital cash insurance. Click on the following link to know more. /blog/hospital-cash.aspx

  3. admin says:

    Hospital Cash Insurance is offered as a stand alone cover . Hence if your existing health insurance does not have Hospital Cash Benefit , you may opt for Hospital Cash Insurance. Click on the following link to know more. /blog/hospital-cash.aspx

  4. admin says:

    Thanks you for interest shown in hospital cash insurance. Persons upto age of 60 years can enroll under this product. As you have indicated that you are above 60 years of age we regret to inform you that you can not avail this insurance cover.

  5. S.Natarajan says:

    Very good tips to follow it up

  6. somasekaran says:

    Am having already Med.clm. pol.from other co.aged 74 yrs. diabetes under control. CABG in 2001.can i take Ins.cover Med. clm ? if u cnfm.let me think about it.Pl. give me salient features on line.

  7. ashok shrinath mehta says:

    We have a health insurasnce cover, but does not include HCI benefits, kindly advise further course of action to get additional benefits

  8. ashok shrinath mehta Kolkata says:

    Iam having an insurance policy for self and my wife.Kindly convert into HCI.Please let me know additional premium charges per return.
    ashok shrinath mehta

  9. Dr. Utpal Bhaumik says:

    Our Health Insurance coverage is under your umbrella. Let me know in details about Hospital Cash Insurance scheme.

  10. admin says:

    Dear M S Ganesh Murthy,

    Please provide us with your contact details and policy number and we will get in touch with you or send a mail to You could also call us at our Toll Free Number : 1800-345-8899.

  11. M S GANESH MURTHY says:

    i am having at present your health insurance cover for the family. Please verify whether hospital cash insurance is covered in the policy or not

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