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The cover provides you with fixed amount for each day of hospitalization irrespective of the actual medical cost.
Life is unpredictable and follows no fixed pattern where sudden Illness / disease or accidental bodily injuries can visit you uninvited and more often than not leave you financially stressed. With COCO HospiCash, such financial stress can be taken care of well.
COCO HospiCash guards you and your family against the trauma that you face because of increased ancillary expenses during the hospitalization. The cover provides you with fixed amount for each day of hospitalization irrespective of the actual medical cost. Thus, provides you the flexibility to allocate these funds according to your unique situation like - travelling to and from to the hospital, attendant expenses, loss of income and post discharge expenses etc.
Features you'll appreciate
Sum Insured Options - You have the option to choose from the wide range of Daily Benefit Amount across our 3 plans.
The daily benefit amount ranges from 100 to 1000 (in multiples of 50) & from 1000 to 5000 (in multiples of 1000).
The Sum Insured available under Accidental Death Benefit ranges from 25,000 to 20 lakhs.
Plan - This policy is available under three (3) plans with a choice of maximum number of hospitalization days per year. You can choose the plan & hospitalization days as per your need.
You have an option to choose the Maximum Number of Hospitalization Days (per Year) = 5/10/15/20/30/60/90/180 days
Based on the Number of Hospitalization Days selected, you will be entitled for a fixed number of ICU days which are inclusive in Number of Hospitalization Days opted by you. Entitlement of ICU days is presented below -
Select your Plan - Based on your requirement, you can select your plan which will suit you/family the best.
What are the Exclusions?
We will not make payment for a claim resulting directly or indirectly from or attributable to any of the following :
STANDARD EXCLUSIONS APPLICABLE TO ALL POLICIES
Breach of Law - We will not pay any expense related to Insured Person committing or attempting to commit a breach of law with criminal intent.
Chemical & Nuclear Exposure - We will not pay for the treatment costs directly or indirectly caused by or contributed to or arising from nuclear weapons/materials, radioactive material, nuclear waste, nuclear fuel, chemical weapons / material or biological weapons/material.
War - We will not pay for the treatment related to any condition resulting from, or as a consequence of War, invasion, act of foreign enemy, civil war, public defence, rebellion, revolution, insurrection, military or usurped acts.
Covered
We will pay the Daily Benefit amount for the Day Insured Person is Hospitalized
Not Covered
We will not pay for treatment related to correction of refractive errors of the eye and optometric therapy. We will not pay for Dental Treatment or Surgery of any kind unless requiring hospitalization.
Family Covered in this Policy
Family includes - Self, Spouse, financially dependent children (Maximum 4), and financially dependent siblings
48 months
Waiting Period for Pre-existing Disease / Conditions - 48 months
Covered
We will pay the Daily Benefit amount towards Your Hospitalization for child birth during the Policy Year for the number of days You were admitted, provided that - 1. This benefit is payable to female Insured Person only, 2. A nine-month waiting period shall apply to the female Insured person. 3. This benefit will be payable for first two living children only
