Hospi Care Insurance

Name: Hospi Care Insurance
Brand: IndusInd General Insurance
Rating: 4.9 (310 reviews)

IndusInd Hospi Care Insurance is a type of health cover that offers a fixed payout amount in case you are ever hospitalised. Unlike regular health insurance, which directly settles your medical bills, our Hospi Care plan puts the money in your hands and offers hospital cash payouts up to ₹10 lakhs.

For instance, if you have a Hospi Care with a sum insured of ₹5 lakh and plan to get a CABG (Coronary Artery Bypass Grafting) surgery, you get the entire ₹5 lakh in hand when you file a claim. Once you get this amount, you are free to use it in any way you deem fit. So, if your surgery only costs you ₹4 lakhs, you can use the remaining ₹1 lakh to cover other tangential costs like food, travel and extra medicine after discharge.

And that’s not all, our plan covers hospitalisation expenses for 150+ surgical procedures and 140 day care procedures. It is an ideal plan for anyone looking for a guaranteed fixed cash amount for ICU-related treatment, surgeries and day care procedures. With IndusInd Hospi Care, you’re never caught off guard during a medical emergency.

What is Hospi Care Insurance?

Hospi Care Insurance is a fixed-benefit hospital cash policy that pays you a pre-decided lump sum amount when you are hospitalised for covered treatments. The payout is not linked to your actual medical bills, which means you receive the full benefit amount once a valid claim is approved.

This money is paid directly to you, giving you the freedom to use it for hospital expenses, recovery costs, travel, food or any other out-of-pocket needs during treatment. Whether it’s a surgery, ICU care or a covered day care procedure, Hospi Care ensures you have guaranteed cash support when you need it most, without worrying about bill limits or itemised expenses.

Difference Between Hospi Care Insurance and Base Health Insurance

Features	Hospi Care Insurance	Base Health Insurance
What It Pays	Fixed daily cash for each 24 hrs of hospitalisation	Reimburses or cashless pays actual medical bills
Bill Requirement	No medical bills needed for daily cash benefit	Requires bills, receipts and hospital invoices
Use of Money	Can be used for travel, food, attendant charges, loss of income	Only covers eligible hospital/medical expenses
Coverage Focus	Hospital stay and surgery cash payouts	Comprehensive medical treatment costs
Typical Benefit	Daily cash and lump sum surgical/ICU cash	Pays actual cost up to sum insured

Hospital Cash as Rider vs Standalone Hospital Daily Cash Policy

Features	Hospital Cash as Rider	Standalone Hospital Daily Cash Policy
Purchase Method	Added on to another health insurance plan	Purchased separately as its own policy
Dependence on Base Plan	Depends on holding a primary health plan	Independent; no base plan required
Coverage Scope	Supplements main health insurance	Provides fixed daily cash regardless of other plans
Flexibility	Limited by base plan terms	Flexible choice of benefit and tenure
Claim Process	Part of overall health claim process	Separate claim process focused on daily benefit

Why Choose Us?

Why 8 Crore+ Policyholders Choose Us?

The IndusInd Hospi Care Insurance (previously Reliance Hospi Care Insurance) policy is a valuable financial tool that helps cover the hidden non-medical costs of hospitalisation. These can include travel costs, food and even wage loss if you need to take an extended leave from work to recover. We recommend pairing this with another plan like Health Infinity or Health Gain, so you can get maximum financial coverage for hospital stays.

Health Insurance Pillar

Up to 40% Off on Premiums

More coverage & more savings!

24x7 Customer Support

Get quick support anywhere!

Over 10,000 Network Hospitals

Quick cashless claims pan-India!

AYUSH & Modern Surgery Treatments

Get 100% SI coverage for both

Discounts Under IndusInd Hospi Care Insurance

12% Policy Tenure Discount

Choose a 3-year policy tenure and get an additional 12% discount.

10% Online Purchase Discount

Get 10% off instantly when you buy the policy directly from our website or app.

10% Voluntary Co-Payment Discount

If you opt to pay 10% of each claim amount (i.e., a co-payment), you get a 10% discount on your policy premium.

Disclaimer: These discounts are subject to maximum limits. Please ensure you check your policy terms and conditions before purchase.

IndusInd Hospi Care Insurance: Inclusions and Exclusions

What is Covered?

Surgical Procedure Cash: Offers lump sum cash of up to 100%* of the sum insured (SI) (maximum 10 lakh) payout for select surgical procedures*.

Hospital Daily Cash: Offers up to ₹4,000 of lump sum daily cash payout (depending on your SI) for a maximum of 60 days in case of hospitalisation for over 24 hours.

ICU Daily Cash: Offers up to ₹8,000* for ICU stays of more than 24 hours during hospitalisation for any surgical procedure or illness for a maximum of 15 days.

Day care Treatment Cash: Offers up to ₹50,000 (depending on your SI) for day care treatments, such as carotid angioplasty, coronary angiography, cataract surgery, etc.

Other Surgeries' Cash: Offers a lump sum cash benefit of up to ₹20,000* (depending on your SI) for any other surgery which is not listed, irrespective of the actual cost incurred on the surgery.

Hospitalisation Due to Vector-Borne Diseases: Offers lump sum cash benefit of ₹20,000 for hospitalisation due to malaria, dengue and chikungunya.

What is Not Covered?

Non-Medical Treatments: All medically necessary costs are covered except for treatments like wellness therapies, rejuvenation treatments, dietary supplements and cosmetic surgeries.

Lifestyle and Fertility: Weight control procedures, fertility treatments, contraception and correction of refractive errors are excluded.

Legal and Statutory: Any medical expenses resulting from intentional self-injury, suicide, war, nuclear activity or any illegal activities are not covered.

Unrelated Outpatient & External Anomalies: We cover all OPD costs that precede your hospitalisation. However, to get coverage for all OPD treatments, you'll need the OPD services add-on. We also generally do not cover congenital diseases under our plans. For further support and coverage, don't hesitate to get in touch with us.

Experimental or Unapproved Treatment: We cover all medical treatments, except ones not approved by the Insurance Regulatory and Development Authority of India (IRDAI) or the World Health Organisation (WHO).

Disclaimer: The inclusions and exclusions are subject to policy terms and conditions. Please refer to the official policy document for complete details by clicking here.

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Details Needed to Buy Our Hospi Care Plan

Here are the requirements you must fulfill before buying the IndusInd Hospi Care Insurance. Knowing these plan options can help you choose the right combination of plan features to ensure you're fully covered.

Age Limits

Adults between 18 and 65 years can buy this policy.

Residence

The policyholder must be an Indian resident.

Individual Policy Requirements

You receive a cover for only one individual in one policy.

Pre-Policy Medical Check-up

If you are above 45 years of age, you must complete a pre-policy check-up (PPC).

Policy Tenure Options

Select the policy period of 1, 2 or 3 years depending on your medical needs.

Sum Insured Options

Choose from ₹1 lakh to ₹10 lakh, based on the surgery needed.

Pre-Existing Diseases

Declare any PEDs when purchasing, as a 36-month waiting period is applicable.

Health and Lifestyle Disclosures

Disclose your choices (like smoking or drinking) and complete medical history.

Premium Payment Flexibility

You can pay monthly, quarterly, half-yearly, or yearly.

How to Buy and Renew Hospi Care Insurance?

Buy Online

Scroll to the top of this page to buy the Hospi Care insurance policy.

Enter your details, such as name, PIN code and mobile number.

Read and agree to the terms and conditions to proceed.

Click “View Prices,” explore options to customise your policy.

Complete payment online to receive your policy instantly via email.

Renew Online

Go to the calculator at the top of this page and select "Renewal".

Enter the required details, including your policy number or mobile number.

Click on “Send OTP” to confirm your mobile number and continue.

Review and edit your existing policy based on your medical needs.

View the updated premium based on your choice and pay online to renew instantly.

Health insurance starting at just ₹545 per month*!

Your Health is Our First Priority

Trusted by thousands for their healthcare needs, IndusInd Hospi Care Insurance offers advanced care for life’s unexpected turns.

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Things to Check When Filing a Claim

Here's a checklist to ensure a seamless claim. Knowing these clauses will ensure your health insurance claims are approved quickly and you get timely claim settlements during medical emergencies

Check Applicable Waiting Periods

90 days of initial waiting period for all claims under this policy
2 years for specific conditions
3 years for pre-existing diseases

Fulfil Your Responsibilities

Declare pre-existing conditions honestly
Fill forms correctly and avoid false claims
Pay non-medical expenses
Keep original bills and documents

Collect and Submit All Documents

Ensure all required medical reports, prescriptions, bills, and forms are complete and submitted promptly, especially for reimbursement claims.

Notify Us on Time

Emergency hospitalisation: Inform within 24 hours
Planned treatments: Inform at least 48 hours in advance

Understand Deductibles

If your plan includes a voluntary deductible, which is a pre-decided portion of the claim amount, you will need to pay that amount before your claim is processed and settled.

How to File a Claim Under IndusInd Hospi Care Insurance?

Steps to File a Claim

Notify Us Promptly

Planned hospitalisation? Inform us at least 48 hours before admission.
Emergency? Notify us within 24 hours of hospitalisation.

How to Contact Us

Email: igicl.icarehealth@indusindinsurance.com, App: IndusInd Insurance App

Website: https://transact.indusindinsurance.com

Courier (for offline submission):
IndusInd General Insurance,
3rd Floor, Krishe Block, Krishe Sapphire,
Madhapur, Hyderabad – 500081

Phone: 022-4890 3009 / 022-4111 2600

Cashless Treatment at Network Hospitals

Once you notify, IndusInd General Insurance will:

Verify your policy and send an approval letter to the hospital.
Alert the hospital about any missing documents within 4 hours.
Reject and notify if treatment isn’t covered.

Cashless Treatment at Authorised Non-Network Hospitals

The Cashless Everywhere feature allows you to avail of cashless hospitalisation even at non-network hospitals.
The cashless claim is available via the IndusInd health claims team, ICARE, on your health card:

Call: 022-4890 3009 (Paid).
Submit documents to ICARE.
ICARE will coordinate for cashless approval if eligible.

Reimbursement Claims (Any Hospital)

If cashless is denied, don’t worry. You can still claim via reimbursement.

Fill and sign the claim form.
Submit required documents (bills, prescriptions, discharge summary, etc.) within 15 days of treatment.
We will process and pay the approved amount, usually within 30 days.

Disclaimer: For precise claim-related information, please refer to policy documents or get in touch with our customer helpline by clicking here.

Key Takeaways

Our IndusInd Hospi Care Insurance (previously known as Reliance Hospi Care Insurance) plan is a surgery-focused, fixed-benefit plan designed to provide financial support. It offers lump sum cash payouts for surgical treatments, ICU stays, hospitalisation due to diseases and accidental injuries with a flexible sum insured of up to ₹10 lakh.

Whether it’s daily cash benefits for day care treatments, coverage for ICU hospitalisations or payouts for over 150 listed surgeries, this plan ensures that you are equipped to handle medical costs without worry. It is perfect for dual policyholders, i.e. those who have existing health insurance coverage and are seeking lump sum payout and daily cash for their surgical treatments.

This surgery-focused coverage, with the benefits of ICU and disease cash, ensures you receive quality medical treatment as needed. With this plan, we ensure you receive adequate support in the hour of need and prevent medical emergencies to become a financial concern.

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IndusInd General Insurance

Aapke Protection ka All-rounder

IndusInd General Insurance is one of the leading general insurance companies in India. The Company offers a well-rounded and comprehensive bouquet of products including Motor Insurance, Health Insurance, and Travel Insurance, and offers customised solutions to meet the protection needs of each customer.

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4.8 ★ ★ ★ ★ ★ (508)

Ritik

Noida

Value for money

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick.

Srivathsav Parthasarathi

West Midnapore

4.5

Seamless digital experience

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras. I'm happy with how everything went and feel secure with my policy.

Sateesh Kumarkuchipudi

West Godavari

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Vanga Naveen

West Godavari

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. I am satisfied with the main policy and don't see a need for extras. The process felt reliable and I would recommend it to others.

Sirraatchuta Ram Babua

West Godavari

Quick policy issuance

Buying a Health policy through the platform ofReliance General Insurance (now IndusInd General Insurance) was straightforward and quick. It met my requirements well and felt tailored to my needs. No additional coverage seemed required for my needs. Overall, it was a seamless experience and I am satisfied.

Manoj Kumarmogha

New Delhi

Quick policy issuance

Buying a health policy through the platform was straightforward and quick. The coverage provided matches my expectations and feels comprehensive.

Vasantha

Wayanad

Value for money

I recently purchased my health insurance and found the experience to be smooth. I will provide dertailed feedback post my claim settlement process has been completed.

Jasmin K

Wayanad

Seamless digital experience

From start to finish, the process of getting my health insurance was convenient. The plan offered exactly the type of coverage I was expecting.

Nazeer Salma Abdulla

Wayanad

Quick policy issuance

I had a positive overall experience while applying for Health insurance. The coverage provided matches my expectations and feels comprehensive.

Sripal Reddymadhi Reddy

Warangal

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance Insurance Company (now IndusInd Insurance Company) . The coverage provided matches my expectations and feels comprehensive. I did not feel the need for any other products at this time.

Veeraiah Kamatam

Wanaparthy

Quick policy issuance

Buying a Health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. The coverage provided matches my expectations and feels comprehensive. I am satisfied with the main policy and don't see a need for extras.

Sivaganesh Madamsetti

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It met my requirements well and felt tailored to my needs. I am satisfied with the main policy and don't see a need for extras.

Sudha Ranimadabattula

Visakhapatnam

Quick policy issuance

I recently purchased my health insurance and found the experience very smooth. The plan offered exactly the type of coverage I was expecting.

Yerususatya Prasad

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. The process felt reliable and I would recommend it to others.

Karu Rama Rao

Visakhapatnam

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting.

Ravi Teja Anem

Visakhapatnam

Quick policy issuance

I had a positive overall experience while applying for health insurance with Reliance (now IndusInd) . The plan offered exactly the type of coverage I was expecting. Currently, I don't think I require any additional plans or add-ons.

Bhimabattula Aruna Devi

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance General Insurance (now IndusInd General Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. I did not feel the need for any other products at this time.

Kantimahanti Balakrishna

Visakhapatnam

Quick policy issuance

I recently purchased my Health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. Currently, I don't think I require any additional plans or add-ons.

Prasad Rao Rayavarapu

Visakhapatnam

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. It aligns well with what I needed from an insurance policy. Currently, I don't think I require any additional plans or add-ons. I found the entire process trustworthy and efficient.

Ramachandran

Villupuram

Quick policy issuance

The journey of purchasing Health insurance from Reliance (now IndusInd) felt effortless and user-friendly. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage. The process felt reliable and I would recommend it to others.

Sanjit Kumar Tiwari

Vaishali

Seamless digital experience

The journey of purchasing health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive.

Vishanth K

Uttara Kannada

Quick policy issuance

From the start to the conclusion, the Reliance (now IndusInd) experience of acquiring my health insurance was straightforward. It aligned well with my requirements and felt personalized to my situation.

Akk Amma Anand Kumarsiddanavar

Uttara Kannada

Quick policy issuance

I recently purchased my health insurance from Reliance (now IndusInd) and found the experience very smooth. It met my requirements well and felt tailored to my needs. No complementary product was necessary for me at this stage.

N Amitha Ramesh

Tumakuru

Quick policy issuance

From start to finish, the process of getting my Health insurance was convenient. The plan offered exactly the type of coverage I was expecting. A printed copy of the policy papers would make the Reliance Insurance Company (now IndusInd Insurance Company) experience even better. I found the entire process trustworthy and efficient.

Ramakrishna Prasadvadala Setty

Trimulgherry

Quick policy issuance

From start to finish, the process of getting my health insurance was convenient. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time. The convenience and clarity made this a good Reliance Insurance (now IndusInd Insurance) experience.

Prasanna Lakshmi Kuruganti

Trimulgherry

Quick policy issuance

Buying a health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. The plan offered exactly the type of coverage I was expecting. No complementary product was necessary for me at this stage.

Indumathi Indumathi

Tiruvannamalai

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance (now IndusInd Insurance) and found the experience very smooth. I felt that my protection needs were well addressed with this policy. No additional coverage seemed required for my needs.

Pandurangdah M

Tiruvallur

Quick policy issuance

From the very start to the finish, the procedure of getting my health insurance from Reliance General Insurance (now IndusInd General Insurance) was seamless. It addressed my requirements adequately and seemed tailored to fit my needs

C Jaikanth

Tiruvallur

Quick policy issuance

The journey of purchasing Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. It would be helpful if a physical copy of the policy could also be provided. I'm happy with how everything went and feel secure with my policy.

Ramesh L

Tiruvallur

Quick policy issuance

The journey of purchasing health insurance from Reliance Insurance (now IndusInd Insurance) felt effortless and user-friendly. I felt that my protection needs were well addressed with this policy. No complementary product was necessary for me at this stage.

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Tirunelveli

Quick policy issuance

The journey of purchasing Health insurance felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. No complementary product was necessary for me at this stage. Overall, it was a seamless Reliance Insurance Company (now IndusInd Insurance Company) experience and I am satisfied.

Ganesan Aarathi

Tiruchirappalli

Quick policy issuance

From start to finish, the process of getting my health insurance from Reliance (now IndusInd) was convenient. I felt that my protection needs were well addressed with this policy.

Saji Chandran

Thrissur

Quick policy issuance

Buying a Health policy through the platform of Reliance Insurance (now IndusInd Insurance) was straightforward and quick. It aligns well with what I needed from an insurance policy. I did not feel the need for any other products at this time.

Grace Mathew

Thrissur

4.5

Seamless digital experience

I had a positive overall experience while applying for Health insurance. It aligns well with what I needed from an insurance policy.

Anoop T M

Thrissur

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance General Insurance (now IndusInd General Insurance). The coverage provided matches my expectations and feels comprehensive. Overall, it was a seamless experience and I am satisfied.

Kencysam Sr Kency Samsr

Thiruvananthapuram

Quick policy issuance

From beginning to end, obtaining my health insurance was a smooth Reliance (now IndusInd) experience. It aligned perfectly with my needs and seemed customized just for me.I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Wafa Mol R N

Thiruvananthapuram

Quick policy issuance

I liked how the platform offered clear comparisons. It helped me understand the differences and choose confidently.

Vinoth R

Thanjavur

Quick policy issuance

From the very beginning to the very end, the process of obtaining my health insurance from Reliance General Insurance (now IndusInd General Insurance) was easy and efficient. It met my needs thoroughly and felt specifically designed for me.

Sampada Vijay Jagdale

Thane

Quick policy issuance

From start to finish, the process of getting my Health insurance from Reliance Insurance Company (now IndusInd Insurance Company) was convenient. The plan offered exactly the type of coverage I was expecting. I am satisfied with the main policy and don't see a need for extras. I found the entire process trustworthy and efficient.

Geetanjali Ganpat Namaye

Thane

Quick policy issuance

The health insurance experience was smooth and reassuring. I felt like I was making an informed choice without pressure.

Bibinagar Sureshchary

Telangana

Quick policy issuance

From the initial stage to the final step, the procedure of securing my health insurance from Reliance Insurance (now IndusInd Insurance) was straightforward. It fulfilled my expectations admirably and felt personalized to suit my needs.

Pawan Kumar

Tarn Taran

Quick policy issuance

Buying health insurance was a pleasant surprise. The platform was easy to use, and the policy I selected felt well-suited to my needs.

Modugusatish Reddy

Suryapet

Quick policy issuance

I have just secured my health insurance and realized that the entire Reliance Insurance Company (now IndusInd Insurance Company) experience was extremely efficient. It fits my insurance policy needs perfectly.

Kanakai Ahgudipati

Suryapet

Quick policy issuance

I had a smooth experience buying health insurance. The platform guided me through each step, and the coverage felt comprehensive.

Hiralsagar Bhaisardhara

Surat

Quick policy issuance

The journey of purchasing health insurance from Reliance General Insurance (now IndusInd General Insurance) felt effortless and user-friendly. The coverage provided matches my expectations and feels comprehensive. Currently, I don't think I require any additional plans or add-ons.

Amit Bhaidurlabh Bhai Rajpara

Surat

Quick policy issuance

I recently purchased my health insurance from Reliance Insurance Company (now IndusInd Insurance Company) and found the experience very smooth. The coverage provided matches my expectations and feels comprehensive. No additional coverage seemed required for my needs.

Ankur Kotnala

Surat

Quick policy issuance

I had a positive overall experience while applying for Health insurance from Reliance (now IndusInd) . It aligns well with what I needed from an insurance policy. No additional coverage seemed required for my needs.

Anil Kumar Ram Sringarsaroj

Sultanpur

Quick policy issuance

The journey of purchasing health insurance felt effortless and user-friendly. It met my requirements well and felt tailored to my needs.

Marxia Tamil Selvan

Sivaganga

Quick policy issuance

The health insurance process was straightforward and reliable. I felt confident in the coverage and appreciated the overall flow.

Prasad Nangunoori

Siddipet

Quick policy issuance

Buying a health policy through the platform of Reliance General Insurance (now IndusInd General Insurance) was straightforward and quick. I felt that my protection needs were well addressed with this policy. I found the entire process trustworthy and efficient.

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Frequently Asked Questions (FAQs)

What is hospital cash insurance and how is it different from health insurance?

Hospital cash insurance provides a fixed daily cash benefit for each completed 24-hour hospitalisation, paid directly to you. Unlike regular health insurance, which settles treatment costs based on bills, this plan helps cover non-medical expenses like travel, food, attendant charges or loss of income.

For how many days can I claim hospital daily cash in a year?

You can receive the hospital daily cash benefit for up to 60 days per policy year for each continuous hospitalisation event.

Can I buy this plan if I already have a health insurance policy?

Yes. You can buy Hospi Care even if you already have a health insurance plan. It can also be bought as a standalone policy without a base health cover.

What expenses can I use the hospital cash benefit for?

You can use the daily cash allowance for any expenses you choose, such as travel, food, attendant charges, lost income, or any other incidental costs incurred during hospitalisation.

Can I change my sum insured or daily cash amount mid-year?

No. Changes to sum insured or daily cash limits can only be made at policy renewal, not in the middle of an active policy year. (Standard insurer practice based on product terms.)

Does the hospital cash benefit affect my base health insurance claim?

No. Hospi Care’s daily cash benefit is independent of your base health insurance claim and does not reduce or replace your regular medical bill coverage. You can receive both benefits for the same hospitalisation event.

How much daily cash allowance can I get under this hospital cash benefit?

The daily cash benefit ranges from ₹1,000 to ₹4,000 per day depending on the sum insured you choose. Higher sum insured levels offer higher daily cash amounts.

Is ICU stay covered under the hospital daily cash policy?

Yes. If you are admitted to an ICU, you receive an enhanced daily cash benefit (double the regular amount) for up to 15 days per policy year.

Can I buy hospital cash insurance if I have pre-existing diseases?

Yes, but pre-existing conditions are subject to a waiting period of 48 months before benefits can be claimed for those conditions.

What happens if I have more than one health policy – which policy do I claim from first?

You can file claims under any policy that provides the relevant benefit. Typically, the main health insurance plan is used for actual medical costs, while the hospital cash policy provides fixed daily benefits. The order depends on limits and benefits of each plan at the time of claim.