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GIC – General Insurance Products

Hospital Cash

A fixed daily amount for each day of hospitalisation, subject to the selected policy.

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How we help

A hospital cash plan pays a fixed amount for each day you are admitted to hospital, up to a maximum number of days. It pays whatever the actual bill is, so the money can go towards costs a health policy does not meet, such as travel, a family member's stay or lost earnings.

It is a supplement to health insurance, not a substitute. The daily amount is usually modest compared with the cost of treatment, so it fills gaps rather than paying the main bill.

We explain the minimum stay before payment starts, any waiting period and the limit on days in a year, so you know what a typical admission would pay.

What it covers

  • Fixed daily cash benefit during hospital stays
  • Payout independent of the hospital bill
  • Limits on days and conditions apply

Coverage, exclusions, and claim conditions depend on the policy and insurer.

Before you decide

Points to check

  1. 01The daily benefit amount and the maximum number of days paid each year
  2. 02The minimum hospital stay required before the benefit starts
  3. 03Waiting periods and the conditions excluded
  4. 04Whether extra is paid for intensive care or recovery at home
  5. 05How the plan fits with your existing health policy

Common questions

What people ask us about Hospital Cash

Is hospital cash enough on its own?

No. The daily amount is fixed and usually far lower than the cost of treatment. It is meant to sit alongside a health policy.

Does it pay in addition to my health insurance claim?

Generally yes, because it pays a fixed benefit rather than reimbursing the bill. We check the policy wording to confirm.

Do I need to be admitted overnight?

Most plans require a minimum period of admission, often 24 hours, before the benefit is paid. The condition is stated in the policy.

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Shree Sai Insurance is the practice of Amit Dhirajlal Waghela, an AMFI-registered mutual fund distributor (ARN-166386), not a SEBI-registered investment adviser. The firm earns commission from asset management companies on the schemes it distributes, does not charge a fee for distribution, and does not guarantee returns. Insurance is offered separately from the mutual fund distribution business. Mutual fund investments are subject to market risks. Read all scheme related documents carefully.