Hospital Cash Insurance

Everyday Hospital Cash Benefit | Meet various expenses

Coverage of up to Rs. 1000/Day | Buy Hospital Cash Insurance at just Rs. 489 BUY NOW

The Hospital Cash Insurance cover is both a pocket insurance plan and an add-on cover in one. You can use this as an independent policy or as an add-on for your current health insurance. This plan can offer you up to ₹10,000 per day for up to 180 days of hospitalisation. You will be able to purchase this plan on Bajaj Markets at a starting premium of just ₹489 per year.

Best Hospital Cash Insurance Plans in 2023

Here are the plan details of the Hospital Cash Insurance cover.

Premium Price	₹489
Sum Insured	Up to ₹10,000 per day
No. of Days	Up to 180 days
Plan Validity	Up to 3 years
Waiting Period	30 days (48 months for pre-existing illnesses)

Key Features of Hospital Daily Cash Policy

Here are a few key features of the Hospital Cash Insurance plan:

Daily cash benefit for medical and other expenses

Continuous allowance flow up to 180 days

Can act as a health insurance add-on cover

Individual and family floater options

Inclusions and Exclusions of the Hospital Cash Insurance

Given below are the inclusions and exclusions of this policy.

Inclusions	Exclusions
Daily cash allowance up to ₹10,000 (in multiples of 10)	Fertility treatments
Daily disbursal up to 180 days	Non-allopathic procedures
Medical and personal expenses during hospitalisation	Plastic surgeries
Hospitalisation that exceeds 24 hours	Self-inflicted injuries

*For a detailed understanding of the inclusions and exclusions of this plan, please read the policy wordings carefully.

Eligibility Criteria of Hospital Cash Insurance Policy

You can get the Hospital Cash Insurance as an independent pocket insurance plan or an add-on cover for your health insurance if you meet the following eligibility criteria:

You are an Indian citizen

Your age is above 18 years and below 65 years

Your children are more than 6 months old

You have a stable source of income

Your medical history has been checked and approved by your health insurer

How to Claim Daily Hospital Cash Policy

Here’s how you can file a claim for the coverage of this plan:

Inform the insurer of your claim at least 48 hours before hospitalisation

In case of emergency hospitalisation, inform the insurance company within 24 hours of the incident

File a claim either by sending an email to customercare@bajajallianz.co.in or by calling the insurer’s toll-free number at 1800-209-1021

The following documents may be requested from you during the claim process

Policy number
UHID number
Name of the claimant and patient
Claimant’s relationship to the policyholder
Expected hospitalisation duration
Date of admission
Reason for admission
Attending doctor’s name
Name and address of the hospital
Complete claim form
Discharge documents
Hospital bills
Consultation proof

Customer Care Details

If you’d like to reach out to Bajaj Markets for support, you can write to the following email address.

insuranceconnect@bajajfinservmarkets.in

Disclaimer:

Bajaj Finserv Direct Limited (BFDL) is merely a distributor of third- Party products from Assistance service providers such as Bajaj Allianz General Insurance Co. Ltd. Issuance of the product is at sole discretion of Assistance Company or Services provider.

The product and services or benefits assured under the product shall be governed by respective partner’s product T&C’s and BFDL does not hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. Your purchase of an assistance product is purely on a voluntary basis after your exercise of an independent due diligence on the suitability, viability of any product. For more details on terms and conditions, inclusions, and exclusions please read the product sales brochure carefully before purchase or subscription. All product information such as membership fees, benefits, exclusions, value added services, etc. are authentic and solely based on the information received from the respective value- added service provider or Assistance company.

Note- BFDL cannot be held liable for any direct or indirect damage/loss. We request our customers to conduct their research about these products and refer to the respective product’s sales brochures before concluding their sale.

Group Hospital Cash Wording Policy

Group Hospital Cash Wording Policy - PDF

Can I claim Hospital Cash Insurance and health insurance for the same hospitalisation?

Yes, you can claim the hospital daily cash allowance and health insurance for the same hospitalisation. The health insurance will cover your treatment expenses while the daily cash insurance will help cover all the miscellaneous expenses.

Is cosmetic treatment covered under the Hospital Daily Cash policy?

No, cosmetic treatments are not covered under the Hospital Daily Cash plan.

Will I get daily cash benefits for hospitalisation related to surgeries for cancer, kidney transplants, etc.?

Yes, if you have the daily cash benefit included in your hospital cash policy then it covers all types of surgeries like cancer, kidney transplants, etc.

Are any pre-existing diseases covered under this hospital cash insurance?

Yes, pre-existing diseases can be covered under the hospital cash policy. However, a waiting period of 48 months is applied to such cases.

What is the coverage limit under Hospital Cash Insurance?

The minimum coverage limit under the daily hospital cash benefits is ₹100 while the maximum coverage limit is ₹10,000. This amount might vary depending on the insurance plan purchased by you.