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Start your Hospicash Insurance journey

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Why Should You Opt for a Hospicash Insurance Policy from ABCD?

Hospicash insurance provides a daily cash benefit during hospitalisation. It covers additional expenses caused during hospitalisation. Hospicash helps alleviate financial stress during medical emergencies, ensuring you can focus on recovery without worrying about the costs of healthcare.

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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.

Prioritise your well-being with our pocket insurance and avail:

Most Popular

Hospicash Insurance

Our Term Insurance Plans KEY FEATURES Our Term Insurance Plans
  • ₹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

STEP
01

Select an insurance plan that aligns with your specific needs.

STEP
02

Share essential personal details like your name, age, contact information, and medical history.

STEP
03

Choose your desired coverage amount.

STEP
04

Understand what is covered and what is not.

STEP
05

Once your payment is confirmed, your insurance policy will be activated.

STEP
04

Understand what is covered and what is not.

STEP
05

Once your payment is confirmed, your insurance policy will be activated.

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

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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
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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
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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

Hear from our customers what they have to say about their experience.

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Arun Sharma

Aditya Birla Health Insurance

1 Jan 1
Hear What The Experts Have To Say

Aditya Birla Health Insurance has been my companion in my weight loss journey of losing 17 Kgs and helping me stay disease-free. Health Returnsᵀᴹ keeps my whole family motivated to be active and stay fit and each person can do the exercise of their choice

Hear What The Experts Have To Say
Mr. Rajinder Balhara

Aditya Birla Health Insurance Customer

Delhi, India

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Hear What The Experts Have To Say
Mrs. Mangal Prathamesh Mithari

Aditya Birla Health Insurance Customer

1 Jan 1
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Staying healthy has become a way of life. I really enjoy using the Activ Health app that gives all my health solutions at one place.

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Mr. Himanshu Chaturvedi

Aditya Birla Health Insurance Customer

Noida, India

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Shruti Davda

Aditya Birla Health Insurance

1 Jan 1

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Understanding Hospicash Insurance
  • What is Hospicash Insurance?
  • How does Hospicash Insurance work?
  • What expenses does Hospicash Insurance cover?
  • What are the benefits of having Hospicash Insurance?
  • What factors affect the premium of a Hospicash Insurance policy?
  • What are the common exclusions in a Hospicash Insurance policy?
  • How do I file a claim for a Hospicash Insurance policy?
  • What documents are required to file a claim?
  • How do I choose the right Hospicash Insurance policy?
  • Why is it important to have Hospicash Insurance?
  • Need Help with Hospicash Insurance? Consult Online & Submit a Claim

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?

You pay a premium to the insurance company. In case of hospitalisation, the insurer pays you a fixed daily amount, up to a specified limit.

What expenses does Hospicash Insurance cover?

Hospicash insurance typically covers additional expenses like food, travel, accommodation, and loss of income during hospitalisation.

What are the benefits of having Hospicash Insurance?


Financial security, reduced financial burden, peace of mind, and flexibility in managing hospitalisation costs.

What factors affect the premium of a Hospicash Insurance policy?


Factors like age, sum insured, and the level of coverage can influence the premium. .

What are the common exclusions in a Hospicash Insurance policy?


Common exclusions may include pre-existing conditions, self-inflicted injuries, and certain medical procedures.

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?

The Insured Person/ Policyholder can contact Us with the details through our
website: www.adityabirlacapital.com,
Email: care.healthinsurance@adityabirlacapital.com, or
Toll Free: 1800 270 7000.
Address: Any of Our Branch office or Corporate office.
For senior citizens, please contact respective branch office of the Company or call at 1800 270 7000 or
write an e- mail at seniorcitizen.healthinsurance@adityabirlacapital.com.

The Insured Person can also walk-in and approach the grievance cell at any of Our branches. If in case the Insured Person is not satisfied with the response, then they can contact Our Head of Customer Service at the following email
arehead.healthinsurance@adityabirlacapital.com.
If the Insured Person is still not satisfied with Our redressal, he/she may approach the nearest Insurance Ombudsman. The contact details of the Ombudsman offices are provided on Our website and in the Policy.

How do I choose the right Hospicash Insurance policy?


Consider factors like your age, medical history, and financial needs. Consult with an insurance agent or advisor to understand your specific requirements.

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? Consult Online & Submit a Claim

Claim intimation can be given by calling ABHIC’s call centre- 18002707000 or by e-mailcare.healthinsurance@adityabirlacapital.com

You can also write to ABHIC’s office address along with the following details:

• COI number of member
• Name of the group member
• Name and address of the Insured Person (Group member or the family members enrolled in the Policy) in respect of whom the request is being made
• Hospital where treatment/Surgery was taken
• Date of admission and date of discharge or approximate length of stay
• Any other information that may be relevant to the Illness/ Injury/ hospitalisation

FAQs on Hospicash Insurance

Premium costs vary depending on factors like age, sum insured, and the level of coverage. It's best to consult with an insurance agent or directly with the insurance provider to get accurate quotes.

Yes, most hospital cash insurance policies can be renewed annually. However, the renewal process and premium may vary depending on your insurer.

Typically, you'll need to provide proof of identity, proof of address, and medical information.

To file a claim, you'll usually need to inform the insurer within a specified timeframe and provide necessary documents like hospitalisation bills and the discharge summary.

The claim process involves informing the insurer, submitting required documents, and undergoing a medical examination (if necessary). The insurer will then assess the claim and process the payment.

Insurance Glossary

  • Policy: A legal contract between the insurer and the policyholder.
  • Premium: The amount paid by the policyholder to the insurer for coverage.
  • Claim: A formal request for compensation from the insurer.
  • Deductible: The initial amount of a loss that the policyholder pays before the insurer pays.
  • Coverage: The scope of protection provided by an insurance policy.
  • Underwriter: An individual who assesses risk and determines insurance rates.

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