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What is
Hospicash Insurance?
Hospicash insurance is a type of hospital insurance policy that pays a fixed daily allowance whenever you are hospitalised for 24 hours or more. For instance, you may get ₹1,000 per day for a ward stay and ₹2,000 per day for ICU admission. Unlike standard hospital insurance that pays bills directly, hospicash care health insurance gives you cash in hand to use however you need—whether for transport, food for attendants, or to offset income loss.
Key Highlights of Hospicash Insurance:
Fixed per-day payout irrespective of actual bills
Why Do You Need Hospicash Insurance?
Covers Non-medical Expenses
Hospicash covers additional expenses that aren't usually covered by regular health insurance.
Financial Safety Net
It provides a daily cash benefit during hospitalisation, helping you manage unexpected financial burdens.
Income Loss Protection
If you're the primary breadwinner, Hospicash can help offset income loss during hospitalisation.
Financial Cushion
Knowing you have a financial cushion can reduce stress during a medical emergency.
Compliments Health Insurance
Hospicash works alongside your regular health insurance to provide comprehensive coverage.
Types of
Hospicash Insurance
Standalone Hospicash Plan
This is a separate policy that solely provides a daily cash benefit during hospitalisation. It offers flexibility and can be customised to suit individual needs.
Add-on to Health Insurance
Many health insurance providers offer Hospicash as an optional add-on to your main health insurance policy for comprehensive healthcare coverage.
Benefits of Hospicash Insurance ?
Financial Support
Provides a daily cash benefit during hospitalisation, helping you cover additional expenses like medication, transportation, and loss of income.
Reduced Financial Burden
Alleviates the financial stress associated with medical emergencies.
Flexibility
The daily cash benefit can be used to cover a wide range of expenses, giving you flexibility in managing your finances.
Complements Health Insurance
Works in conjunction with your regular health insurance to provide comprehensive coverage.
Peace of Mind
Knowing you have a financial safety net can reduce anxiety and stress during a difficult time.
Affordable Premiums
Hospicash plans are often affordable and can be easily added to your existing insurance policies.
Our Hospicash Insurance Plans At A Glance.
Most Popular
Hospicash Insurance
KEY FEATURES 
- ₹1000 per day for normal hospitalisation & ₹2000 per day in case of ICU.
- Up to 30 days of coverage per policy.
Cover
₹1000/ day for 30 Days
Premium Starting From
Rs. 351/ Year
Step-by-Step Guide on Hospital Cash Insurance
Select an insurance plan that aligns with your specific needs.
Share essential personal details like your name, age, contact information, and medical history.
Choose your desired coverage amount.
Understand what is covered and what is not.
Once your payment is confirmed, your insurance policy will be activated.
Get Insured in 5 Easy Steps for
Hospicash Insurance
Buying a hospi cash insurance policy is quick and hassle-free. Just follow these five simple steps with ABCD Aditya Birla Capital.
Fill in Your Details
Provide name, age, contact information, and medical history.
Select Your Plan
Choose the daily benefit amount that fits your financial needs.
Verify Application
Complete KYC and undergo medical evaluation if required.
Make Payment
Pay securely using card, UPI, or net banking.
Activate Your Policy
Receive instant policy details via email or the ABCD app.
Things To Keep in Mind
Minimum Hospitalisation Period
There's often a minimum hospitalisation period, usually 24-48 hours, required to claim benefits.
Daily Cash Benefit
The daily cash benefit amount varies across policies and can be customised to suit your needs.
Maximum Benefit Period
The maximum number of days for which the daily cash benefit is payable.
Exclusions
Learn about any exclusions, such as pre-existing conditions, self-inflicted injuries, and certain medical procedures.
What's Covered v/s What's not Covered in Hospicash Policy
What's Covered ?
- Here is what is covered in the hospicash policy:
- ₹1000 per day for normal hospitalisation
- ₹2000 per day for ICU hospitalisation
- 30 days coverage per policy
- 10 days coverage per hospitalisation
- Deductible of 1 day
- An initial waiting period of 30 days
What's not Covered ?
- Here is what is not covered in the hospicash policy:
- Pre-existing diseases
- Heart diseases
- HIV/AIDS
- High blood pressure
- Kidney disease
- Liver disease
- Lungs disease
- Cancer
- Blood disorders
Professions That Are Not Covered
- Here are the professions that are not covered in the hospicash policy:
- Firemen
- Law enforcement agencies (including police, Para-military, military forces)
- Demolition workers
- Junk or salvage workers (breakers yard) including scrap metal yards & loggers
- Lumber mill workers (tree fellers, people climbing trees as part of their occupation)
Customer Satisfaction Stories
Aditya Birla Health Insurance
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Aditya Birla Health Insurance Customer
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Aditya Birla Health Insurance Customer
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Aditya Birla Health Insurance Customer
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Aditya Birla Health Insurance
Check your Eligibility and Document Required for
Hospicash Insurance
Check Your Eligibility for Hospicash Insurance
Before you apply for hospital cash insurance, it’s important to understand who qualifies. Meeting the basic eligibility criteria ensures a smooth application and approval process.
-
Age :
18–65 years, extendable under senior citizen hospicash plans. -
Residency :
Applicants must be an Indian resident with valid ID proof to apply for a hospital cash insurance plan. -
Medical Condition :
No undisclosed pre-existing serious illnesses; not hospitalised against medical advice. -
Employment :
Some high-risk jobs (firefighting, armed forces, demolition work) may not be covered.
Documents Required for Hospicash Insurance
When applying for hospicash health insurance, you’ll need to provide a few essential documents for verification. These help the insurer assess your profile and process your application.
-
Identity & Address Proof :
Accepted IDs include Aadhaar, Passport, or Voter ID. -
Passport-size Photographs :
Recent colour photographs as per policy requirements. -
Medical History or Reports :
Needed especially for senior citizens when it comes to hospital cash insurance plans. -
Income/Employment Details :
Required for underwriting in some cases. -
Completed Proposal Form :
Application form duly filled and signed by the applicant.
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Understanding Hospicash Insurance
What is Hospicash Insurance?
Hospicash insurance is a type of policy that provides a daily cash benefit to cover additional expenses during hospitalisation.
How does Hospicash Insurance work?
With hospital cash insurance, you pay a small annual premium (e.g., ₹351/year). In return, the insurer pays a fixed cash amount (₹1,000/day for ward, ₹2,000/day for ICU) during hospitalisation. The payout is independent of your bills and can be freely used for food, travel, or income replacement.
What expenses does Hospicash Insurance cover?
Hospi cash insurance is designed to ease your financial stress by covering non-medical and additional hospitalisation costs.
Room & Attendant Costs
Helps cover expenses for room rent and attendant charges during hospital stay.
Food or Medicines Outside Billed Items
Supports costs not included in the hospital bill, like meals or extra medicines.
Travel to and from Hospital
Covers commuting costs for patients and caregivers.
Income Support During Hospitalisation
Provides daily cash benefits to replace loss of income during treatment.
What are the benefits of having Hospicash Insurance?
A hospicash policy offers multiple advantages, making it a valuable supplement to your existing health coverage.
Guaranteed Daily Cash Benefit
Receive a fixed daily allowance during hospitalisation.
Complements Existing Health Insurance Cover
Works alongside your health policy to cover extra expenses.
Protects Against Hidden Costs & Non-Medical Expenses
Ensures financial support for costs usually not covered by standard health insurance.
Affordable Premiums with Wide Coverage Options
Hospital cash insurance plans offer flexible coverage at pocket-friendly premiums.
What factors affect the premium of a Hospicash Insurance policy?
The cost of your hospital health insurance depends on several factors that insurers consider while calculating premiums.
Age of the Insured
Senior citizens generally pay higher premiums due to increased health risks.
Daily Cash Coverage Amount Chosen
Higher daily benefit amounts lead to higher premiums.
Policy Term and Benefit Duration
Longer terms and extended benefit days increase the cost.
Pre-existing Health Conditions
Existing medical issues may raise premium rates.
What are the common exclusions in a Hospicash Insurance policy?
Like every insurance policy, hospi cash insurance also has exclusions that you should know beforehand.
Pre-existing Diseases
Conditions like cancer, kidney, or liver problems present before start date are not covered under hospital cash insurance plans.
High-Risk Jobs
Professions such as firefighting, law enforcement, or armed forces are excluded.
Injuries Due to Self-Harm or Substance Abuse
Claims arising from intentional harm or substance misuse are not eligible under hospi cash insurance.
Cosmetic or Non-Essential Treatments
Expenses for beauty, cosmetic, or elective procedures are excluded.
How do I file a claim for a Hospicash Insurance policy?
To file a claim, you typically need to inform the insurer within a specified timeframe and provide necessary documents like hospitalisation bills and the discharge summary.
What documents are required to file a claim?
To successfully process your hospicash claim, you'll need to submit the following documents to the insurer.
Filled Claim Form
A duly completed and signed claim form is mandatory.
Hospital Bills & Discharge Summary
Original hospital invoices and discharge reports are required for verification.
Policy Copy or COI Number
Submit your hospital cash insurance policy document or Certificate of Insurance number.
Valid ID Proof
Provide Aadhaar, Passport, Voter ID, or any government-issued identity proof.
Additional Medical Records (If Requested)
Insurers may ask for extra medical reports depending on the case.
How do I choose the right Hospicash Insurance policy?
Selecting the right hospital insurance plan requires careful evaluation of your needs and the policy features. Follow these steps before purchasing.
- Step 1: Assess Your Expenses Check average hospitalisation costs in your city to estimate required coverage.
- Step 2: Decide the Daily Payout Pick a daily cash benefit that covers both medical and non-medical costs.
- Step 3: Check Policy Compatibility Ensure it supplements your primary health insurance and provides additional protection.
- Step 4: Compare Policies Review premiums, maximum benefit days, and exclusions of your hospital cash insurance plan before finalising.
Why is it important to have Hospicash Insurance?
Hospitalisation can lead to significant financial strain, especially for unexpected medical emergencies. Hospicash insurance provides a financial safety net to help you manage these costs.
Need Help with Hospicash Insurance?
- Call: 1800-270-7000
- Email: care.healthinsurance@adityabirlacapital.com
- Visit: Nearest ABCD branch for direct support
- Use: Branch Locator tool on the ABCD website/app to find offices and empanelled hospitals.
How to File a Claim for a Hospicash Insurance Policy?
Filing a claim under your hospicash policy is simple and quick. Just follow these steps to ensure smooth settlement.
- Step 1: Notify the Insurer Inform ABCD within 24 hours of hospitalisation to initiate the claim process.
- Step 2: Submit Documents Provide the filled claim form, discharge summary, hospital bills, ID proof, and any additional medical records if requested.
- Step 3: Claim Verification The insurer reviews your submission to validate the details of your hospital cash insurance plan.
- Step 4: Claim Settlement Once approved, the claim is settled directly to your bank account within 15-21 days.
Why Is Hospicash Insurance Important?
Hospitalisation expenses often go beyond just medical bills, with many hidden costs adding financial stress. A hospicash care health insurance helps bridge this gap by offering daily cash support for non-medical needs and income loss.
Covers Hidden Expenses Beyond Insurance
A hospital insurance plan takes care of daily out-of-pocket costs that regular health policies don’t cover.
Provides Financial Cushion During Crisis
It ensures your family’s finances remain stable while you recover in the hospital.
Supports Daily Needs Like Meals & Travel
Daily cash benefits can be used for food, transport, or other essentials.
Compensates for Income Loss
If hospitalisation keeps you away from work, the payout helps replace lost earnings.
Complements Your Health Insurance Plan
A hospital cash insurance plan works alongside your existing policy to offer a more complete safety net.
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ABC Of Insurance
The information provided here is for general understanding only and does not constitute financial advice or an offer of insurance. All hospital cash insurance policies are subject to the terms, conditions, exclusions, and limitations set forth by the respective insurers. Please read the policy document carefully before purchasing. Coverage benefits and premiums may vary based on individual health profiles and insurer guidelines. Aditya Birla Capital is not responsible for decisions made solely based on this content. For specific queries, consult a licensed insurance advisor or visit the official website.