|Hospi Cash with Free Personal Accident
|Waiting Period for Pre-existing diseases and specific illness coverage
|Per Day Hospitalization in ICU would be Doubled for Exp: INR 500 X 2 = INR 1000
|Permanent Death upto 100 % Upto 2 Lac
|Permanent Partial Disability (Upto Sum Insured as per PPD table in policy)
|Permanent Total Disability (Upto Sum Insured as per PTD table in policy )
1. There are 3 variants in Daily Hospital Cash. They are 500/1000/2000.
2. INR 500/1000/2000 per day hospitalisation with maximum limit up to 30 days in a year with 1 day deductible on per claim
3. No waiting for accidental related hospitalization
4. 15 days waiting period for illness related hospitalization
5. 30 days waiting period for hospitalization due to COVID-19
6. Maternity benefit is not covered
Age at entry 18 years and 65 years
Family means Self, Spouse, Dependent children up to 25 years of age
15 Days waiting period for illness related hospitalization
No Waiting period for accidental related hospitalization
Covid-19 related hospitalization also covered
Benefit payable in case of hospitalization due to pre-existing disease.
What’s Not Covered
Instant policy issuance for the age > 65 year
Easy Claim Process
Connect with Digit call center at 1800-258-4242 or email at email@example.com / Connect with Care Health call center at 1800 102 4488 or email at firstname.lastname@example.org
Upload relevant documents (discharge summary etc.) and provide your NEFT/Net banking details through online link.
Post approval, claim amount gets directly transferred to your bank account
In case of Individual Sum Insured basis, maximum number of days will be Per Policy Year Per Insured Person
For this cover, completion of every 24 Hours of In-patient Hospitalization from the time of Admission is considered to be a day.
Payment of claim under this benefit is subject to the time excess as opted by You and mentioned in Your Policy Schedule / Certificate of Insurance
This Cover is subject to terms, conditions, limitations, deductible and exclusions mentioned in the Policy.
Deductible: Deductible means a cost sharing requirement under a health insurance policy that provides that the insurer will not be liable for a specified rupee amount in case of indemnity policies and for a specified number of days/hours in case of Hospital Cash policies which will apply before any benefits are payable by the insurer. A deductible does not reduce the Sum Insured.
Hospital means any institution established for in-patient care and day care treatment of illness and/or injuries and which has been registered as a hospital with the local authorities under Clinical Establishments (Registration and Regulation) Act 2010 or under enactments specified under the Schedule of Section 56(1) and the said Act Or complies with all minimum criteria as under:
a) has qualified nursing staff under its employment round the clock;
b) has at least 10 in-patient beds in towns having a population of less than 10,00,000 and at least 15 inpatient beds in all other places;
c) has qualified medical practitioner(s) in charge round the clock;
d) has a fully equipped operation theatre of its own where surgical procedures are carried out;
e) maintains daily records of patients and makes these accessible to the insurance company’s authorized personnel;
f) Illness means a sickness or a disease or pathological condition leading to the impairment of normal physiological function which manifests itself during the policy period and requires medical treatment.
Intensive Care Unit (ICU) means an identified section, ward or wing of a hospital which is under the constant supervision of a dedicated medical practitioner(s), and which is specially equipped for the continuous monitoring and treatment of patients who are in a critical condition or require life support facilities and where the level of care and supervision is considerably more sophisticated and intensive than in the ordinary and other wards
Pre-Existing Disease- Pre-existing disease means any condition, ailment, injury or disease:
a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued by the insurer or
b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to the effective date of the policy or its reinstatement.