Hospital Cash Insurance Online

Hospital Cash Online is NOT a substitute for Health Insurance, but should be viewed as a supplement cover to help you and your family members in the event of hospitalization.

Key Benefits

Instant Coverage
No Documentation required
No Medical Examination required
Daily Cash benefit of Rs.1000/- for up to 180 days
Income Tax benefit under section 80D of the IT Act
Double Accident benefit, Triple ICU benefit and Convalescence benefit

Features and Benefits

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.

Who can be insured?

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.

Key Features

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

Key Benefits

BENEFITS	SILVER PLAN	GOLD PLAN
Illness Hospital Confinement	Rs. 500/- per day	Rs. 1,000/- per day
Accident Hospital Confinement	Rs. 1,000/- per day	Rs. 2,000/- per day
Intensive Care Benefit	Rs. 1,500/- per day	Rs. 3,000/- per day
Convalescence Benefit	Rs. 7,500/- lump sum	Rs. 15,000/- lump sum

Illness Benefit

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

Accident Benefit

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.

ICU Benefit

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.

Convalescence Benefit

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.

Family Discount

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

Plan and Premium

BENEFITS	SILVER PLAN	GOLD PLAN
Illness Hospital Confinement	Rs. 500/- per day	Rs. 1,000/- per day
Accident Hospital Confinement	Rs. 1,000/- per day	Rs. 2,000/- per day
Intensive Care Benefit	Rs. 1,500/- per day	Rs. 3,000/- per day
Convalescence Benefit	Rs. 7,500/- lump sum	Rs. 15,000/- lump sum

Premium (Inclusive of 10.3% ST)

AGE OF INSURED	SILVER PLAN (RS)	GOLD PLAN (RS)
1 Year to 45 Years	785/-	1,473/-
46 Years to 60 Years	1,178/-	2,258/-
61 Years to 70 Years (Applicable for renewals only)	1,570/-	3,043/-