Group HospiCash Policy

This is Your Group HospiCash Policy which has been issued by Us relying on the Information disclosed by You in Your Proposal for this Policy or its preceding Policy/Policies of which this is a Renewal. It contains details of what is covered, what is not covered, the conditions and the basis on which all claims will be settled. The proposal, Policy Schedule, Policy document and endorsements are part of the Policy. Your Policy is evidence of the contract of insurance.

COVERAGE
Your coverage(s) are mentioned in the Policy Schedule / Certificate of Insurance. We will provide the coverage as detailed below for an event that occurs during the Policy Year. Each coverage is subject to the terms, conditions and exclusions of this Policy. We will pay as specified under each of the coverage in the Policy Schedule / Certificate of Insurance.

SICKNESS HOSPITAL CASH
If an Insured Person is admitted in a hospital due to an illness and such hospitalization is medically necessary & recommended by the Medical Practitioner, then

a) We will pay the Daily Benefit amount for the number of days Insured Person is Hospitalized;

b) We will pay twice the Daily Benefit amount for each Day the Insured Person is admitted in an Intensive Care Unit,

c) In case, insured person spends a day partly in ICU and partly in Non ICU then we will pay twice the Daily Benefit amount for such day, and

d) Our maximum liability will be limited to the Daily Benefit amount & number of hospitalization days specified in the Policy Schedule / Certificate of insurance.

e) We will cover Mental Illness as per the provisions of Mental Healthcare Act, 2017

ACCIDENT HOSPITAL CASH
If an Insured Person is admitted in a hospital due to an accidental injury and such hospitalization is medically necessary & recommended by the Medical Practitioner, then

a) We will pay the Daily Benefit amount for the number of days Insured Person is Hospitalized,

b) We will pay twice the Daily Benefit amount for each Day that the Insured Person is admitted in an Intensive Care Unit,

c) In case, insured person spends a day partly in ICU and partly in Non ICU then we will pay twice the Daily Benefit amount for such day, and

d) Our maximum liability will be limited to the Daily Benefit amount & number of hospitalization days specified in the Policy Schedule / Certificate of insurance.

e) Such Hospitalization must be within 30 days of suffering injuries from the date of accident

DAY CARE PROCEDURE CASH
If an Insured Person undertakes a day care procedure as an inpatient for less than 24 hours in a hospital or in a standalone day care Centre, and such treatment is medically necessary & recommended by the Medical Practitioner, then

a) We will pay the Daily Benefit amount for the Day Insured Person is Hospitalized,

b) We will pay the Daily Benefit Amount if the Insured person undertakes any of the procedure as listed in Annexure II.

c) Our maximum liability will be limited to the Daily Benefit Amount & number of hospitalization days specified in the Policy Schedule / Certificate of insurance.