Hospital Cash Insurance

Hospital cash insurance, also known as daily hospital cash, is a benefit under health insurance. The benefit allows you to receive the daily cash up to the specified limit for the period you are hospitalised. The purpose of the hospital cash benefit is to cover miscellaneous or additional non-medical expenses, such as food and travel.

For instance, suppose you had to undergo surgery and were admitted to the hospital. While your health insurance plan will cover the medical expenses, the hospital cash benefit will take care of miscellaneous non-medical expenses like transportation, parking and other day-to-day costs.

Hospital daily cash benefit is typically available as a built-in cover under a health insurance plan or as an add-on. And the amount you receive under a hospital cash benefit is in addition to the base health insurance claim.

Considering this, IndusInd General Insurance (formerly Reliance General Insurance) offers a daily hospital cash benefit of up to ₹4,000 for general hospitalisation and ICU stays, which can be up to ₹8,000. With our hospital cash benefit, you can manage your out-of-pocket costs, which can easily pile up during a hospital stay.

What is a Hospital Cash Insurance Policy?

Hospital daily cash is a compensation or daily cash benefit which gives you a daily allowance for every 24 hours you spend in the hospital. The amount you’re paid under this cover is over and above the sum insured of your health insurance plan.

The thing that sets apart the daily cash allowance in health insurance is that the money it pays is directly transferred into your bank account. Once you receive this amount, you can use it as needed to cover non-medical expenses associated with hospitalisation, like extra medicine, food, travel, and follow-up visits after discharge.

The benefit is particularly useful for families, self-employed individuals or gig workers, and middle-class households with tight healthcare budgets. It can also be beneficial when there are multiple medical expenses to manage.

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Benefits of Hospital Daily Cash Insurance

Financial Support

The hospital cash insurance offers financial protection to you during your hospital stay. With the fixed payout as per the policy terms and conditions, you will receive the money for each day you are hospitalised for non-medical expenses. This will help you cover additional expenses such as transportation, stay, food, etc.

Wide Range of Expenses

Another benefit of the hospital's daily cash plan or benefit is that it covers a wide range of non-medical expenses. There is no particular criterion for how to use your hospital's daily cash benefit as long as you meet the eligibility criteria. You can use the money for various expenses at your convenience and manage them accordingly.

Complements Health Insurance

The hospital's daily cash insurance or benefits adds a layer of protection to the base health insurance plan. While the base health insurance plans cover the cost associated with medical expenses, the hospital's daily cash will cover the non-medical expenses. It means a daily cash allowance in health insurance provides comprehensive coverage during hospital stays.

Income Protection

The daily cash allowance in health insurance also offers income protection to individuals with no paid sick leave or an employer health insurance plan. An emergency or planned hospitalisation can impact the earning source. With hospital cash benefits, you will get a temporary source of income during your recovery.

Affordable Premiums

The daily hospital cash benefit in health insurance plans comes with an affordable premium. You will receive the valuable daily payout for non-medical expenses without any hefty premiums. With this low-cost investment, you can strengthen the overall health coverage and remain prepared for unanticipated medical crises.

No Hefty Documentation

Another crucial benefit of the hospital cash policy is that it does not come with hefty documentation. You do not need to show the bills for expenses as long as you meet the basic condition, which is hospitalisation for 24 hours or more. The hospital cash benefit process is simple and fast.

IndusInd Health Insurance with Hospital Cash Benefit

At IndusInd General Insurance (formerly Reliance General Insurance), we offer different health insurance plans with hospital daily cash benefits.

1 IndusInd Health Gain Insurance

The IndusInd Health Gain Insurance offers a hospital daily cash benefit as an add-on to the base policy with multiple options like ₹1000, ₹1500, ₹2000 and ₹2500. The minimum hospitalisation duration for this benefit to kick in is 72 hours. The daily cash amount under the plan is payable for each 24 hours of continuous and completed hospitalisation.

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2 IndusInd Hospi Care Insurance

This is available as a standalone plan focused on daily hospital benefits, along with other perks like daycare cash, surgical procedure cash, and other benefits. The hospital's daily cash limit is dependent on the sum insured of the plan. The payout is fixed and paid over and above your base health insurance cover.

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Hospital Daily Cash Policy: Inclusions and Exclusions

What is Covered?

Fixed Daily Payout - Hospi Care and Health Gain (with add-on) offer a fixed daily cash benefit for every 24 hours of hospitalisation. The payout amount depends on the plan and can be used freely, irrespective of your actual medical bills.

ICU Cash - Health Gain and Hospi Care both offer daily hospital cash for ICU admission. The plan will pay the additional 100% of the daily cash amount.

Accident and Illness Coverage - Hospitalisation due to both accidental injuries and illnesses is covered, provided the admission meets the eligibility conditions. In both plans, accidental hospitalisation is covered from Day 1.

Vector-Borne Diseases Coverage - If hospitalised for more than 3 days due to diseases like dengue, malaria, or chikungunya, you get a daily cash payout or a lump sum. This is a unique inclusion under the Hospi Care plan.

What is Not Covered?

Hospital Stay Under 24 Hours - Hospitalisation for illnesses or injuries lasting under 24 hours is not eligible for the daily hospital cash benefit.

Self-Inflicted Injuries - Hospitalisation due to self-harm or injuries caused under the influence of alcohol or drugs is not covered. This exclusion applies across both Hospi Care and Health Gain plans.

Evaluation-Only Hospitalisation - If you are admitted only for diagnostic purposes, routine evaluation, or observation without active treatment, then no daily benefit is paid. Both plans clearly exclude such stays, even if they exceed the minimum required duration.

Treatment Outside India - Only hospitalisations within India are eligible for claims. Any treatment, even if medically necessary, received at hospitals outside India is excluded from both plans.

Disclaimer: The inclusions and exclusions mentioned are for general reference only. Refer to the policy wordings for complete details.

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Who Should Consider Hospital Cash Insurance?

Individuals who are self-employed or working as freelancers should consider investing in a hospital cash plan or add-on with a base plan. Since they do not have the safety net of paid leave, the hospital stay can impact their earnings. Under such a scenario, a daily hospital cash benefit will help in managing financial gaps during hospitalisation.

Various working professionals do not have paid sick leave. In such cases, a hospital stay can result in loss of income. During such situations, a hospital cash insurance or add-on offers a daily payout that can help them manage their routine expenses like transportation, accommodation, etc during recovery.

Unexpected medical emergencies can significantly impact a family's finances, particularly when savings are limited. Even with a health insurance plan in place, there are always additional expenses like food, travel, and other living costs. A hospital cash benefit acts as a helpful cushion to handle these non-medical costs without dipping into emergency funds.

Elderly individuals who support dependents or live on a fixed income can benefit from hospital cash insurance. The daily payout can be used to cover extra expenses during hospitalisation, like hiring help or managing caregiving duties, without putting pressure on their retirement savings or family members.

Key Considerations When Purchasing a Hospital Daily Cash Benefit Policy

Minimum Hospitalisation Period

When selecting a hospital's daily cash insurance or add-on, it is essential to understand the minimum hospitalisation period. A hospitalisation period is the duration for which individuals need to be hospitalised to claim the benefits. The usual duration for hospitalisation under the hospital cash benefit is 24 to 72 hours.

Daily Cash Benefit Limit

Another thing to consider while choosing a hospital daily cash plan is the daily cash benefit limit. It is the maximum amount you receive during a hospitalisation.This limit or amount may vary across different policies based on the sum insured. When selecting a plan, look for the daily hospital cash limit that best fits your healthcare needs.

Maximum Benefit Period

When choosing the best hospital daily cash policy or add-on, it is crucial to verify the maximum benefit period. The benefit period is the time duration for which the individual can avail the daily hospital cash benefit. This period also varies across policies from 30 days to 60 days in a policy year.

Inclusions and Exclusions

Understanding what is covered under the hospital cash policy or add-on and what is not is also crucial to make an informed decision. This will help you in choosing a plan that truly supports your financial needs during hospitalisation. It helps in avoiding surprises during the claim process.

What are the Documents Required to Claim Hospital Cash Benefit?

To claim the daily cash allowance in health insurance, you need to have the following list of documents to verify your eligibility.

General Documents

Claim Form - Submitted by the insured or nominee with accurate personal and claim details.

Hospitalisation Admission Notes - Proof that the hospital stay was medically necessary and confirms duration and reason for admission.

Hospital Discharge Summary - A signed document from the hospital indicating date and time of admission and discharge, diagnosis, and treatment received.

ICU Admission - In case of ICU hospitalisation, daily cash claims, proof of ICU admission must be attached.

Additional Documents

Proof of Identity - Copy of government-issued identity such as Aadhar Card, Driving Licence, etc.

Cancelled Cheque - Cancelled cheque copy with bank account number and other details for the direct deposit of the amount in the bank.

First Information Report - In case of hospitalisation due to an accident, you may need to submit the FIR copy.

Legal Heir Certificate - In the event of a fatality, the family member might need to submit the death certificate

Disclaimer: Refer to policy wordings for the complete list of documents required based on your health insurance plan.

Why Choose IndusInd General Insurance for Hospital Cash Insurance?

High Daily Benefit Limits

With IndusInd General Insurance (formerly Reliance General Insurance), you will get a high daily hospital cash amount. Under the Hospicare Care Insurance, you can get up to ₹4,000* for general hospital stays and up to ₹8,000 per day* for ICU admissions.

Standalone and Add-on Options

One of the reasons to go with IndusInd General Insurance (formerly Reliance General Insurance) is the benefit of choosing a hospital daily cash benefit as a standalone plan or add-on with a marginally increased premium.

Quick and Simple Claim Process

Another reason for buying hospital cash insurance from IndusInd General Insurance (formerly Reliance General Insurance) is the quick and simple claim process. With minimal documentation, including a discharge summary and hospitalisation proof, you can obtain the daily hospital cash amount.

24/7 Customer Assistance

Accessing hospital cash insurance during a medical crisis can be stressful, especially if you are unsure about the claim process. That is why insurance from IndusInd General Insurance (formerly Reliance General Insurance) comes with 24/7 customer assistance to guide you every step of the way.

How to Buy a Hospital Daily Cash Policy with IndusInd General Insurance?

Step

View Portal

Go to the IndusInd General Insurance website page and click on the “Health Insurance” option.

Step

Enter Details

Fill out the name, mobile number, PIN code and other details. Ensure all entered details are correct.

Step

Provide Security Code

Next, go through the terms and conditions. After reading it, check the terms and conditions box to proceed.

Step

Search Application

Different plans will appear, choose and customise the plan with hospital daily cash benefit based on your needs.

Step

View Status

After choosing the plan, fill out the form and complete the payment process to receive your policy via email.

Key Takeaways

Hospital cash insurance is a crucial safety net that offers coverage against various non-medical expenses, which can easily drain your savings. The benefit offers a fixed daily payout during hospitalisation which helps cover non-medical expenses, such as food, travel, or income loss.

When it comes to buying a hospital daily cash policy online, IndusInd General Insurance (formerly Reliance General Insurance) stands out as a trusted and reliable choice. Whether you want a standalone policy like Hospi Care or an add-on to your existing plan like Health Gain, buying your hospital daily cash policy online is easy, convenient, and secure.

With our IndusInd Insurance app, we offer quick and easy access to your insurance needs, right at your fingertips. Secure yourself against additional financial expenses during hospitalisation with a hospital cash benefit.

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Frequently Asked Questions (FAQs)

What is day care treatment cash?

The day care treatment cash benefit is a fixed cash benefit you receive when you undergo a medical procedure that does not require hospitalisation for over 24 hours. These are typically short procedures that take a couple of hours at most, like cataract surgery, dialysis, or chemotherapy.

Is there a waiting period for hospital cash insurance?

Yes, there is usually a waiting period for hospital cash insurance, just like with most health insurance plans. Most policies have a 30-day waiting period from the date of policy issuance, during which no claims are allowed. If you have any pre-existing conditions, there is usually a longer waiting period of 24 to 36 months, depending on the insurer and plan.

What is the surgical cash benefit?

Surgical cash benefit is a fixed amount paid to you if you undergo a covered surgical procedure during your policy period. The insurance provider will pay a predefined lump sum amount based on the type of surgery and the sum insured in your policy.

Difference between cashless hospitalisation and hospital daily cash benefit?

Cashless hospitalisation and hospital cash benefit are two different things in health insurance plans. A cashless hospitalisation is a benefit under a health insurance policy where you do not have to pay for medical expenses out of your pocket; instead, the insurance company directly pays the hospital. While a hospital's daily cash benefit is a coverage feature under a health insurance plan, it is available as an add-on or a standalone plan. You will receive a fixed payout for non-medical expenses from the insurance provider during hospitalisation.

Is there any age criterion for getting a hospital daily cash plan?

The health insurance plan with a hospital cash benefit typically has age criteria, ranging from 16 to 65 years of age. It is always best to check the specific age limits mentioned in the policy brochure or wording before buying.

Can a hospital cash plan claim get rejected?

Yes, daily cash allowance in health insurance claims can be rejected due to discrepancies in documentation, non-disclosure of medical conditions, delays in filing claims, or false claims. Therefore, it is crucial to verify every detail thoroughly before submitting your hospital's daily cash claim request. You can also track your claim.

How to claim the daily hospital cash policy?

To claim a daily hospital cash policy, follow the below mentioned steps below: Notify the IndusInd General Insurance representative about the planned or emergency hospitalisation within the stipulated timeframe. You can either email, call or go to the IndusInd Insurance App App on your mobile phone. Submit all the necessary documents to avail the daily hospital cash benefit. The representative will verify the policy and other documents, and based on that, accept or reject the claim request. Once the request has been approved, you will start getting the daily hospital cash policy benefit in your bank account.

Can I get a hospital daily cash benefit under a family floater plan?

Yes, a hospital daily cash benefit is available under a family floater plan. The daily cash benefit is shared among all insured members under the floater plan. So, if more than one family member is hospitalised at the same time, you can use this payout amount for multiple family members.