Hospital Daily Cash Insurance policy allows you to claim a certain amount of fixed cash daily while you or a family member is hospitalised. This usually is provided as a lump sum amount at the time of claim settlement. This amount can be used to take care of various types of expenses like food, transportation, medicines, etc. So, consider choosing daily hospital cash coverage while purchasing health insurance for you and your family.
Zero
Waiting period
14,300+
Cashless hospitals
100%
Bills covered
You will get comprehensive coverage on all non-medical expenses with hospital cash insurance. Below are some of the prime reasons why one needs to choose daily hospital cash coverage in their health insurance plan. One must note that the daily hospital cash benefit is available for a fixed number of days (up to 15 days).
However, you can customise the duration as per your insurance needs. In case the duration of hospitalisation is less than the number stated in your health insurance plan, you will get the cash benefit for the entire hospitalisation period. With daily hospital cash coverage, you can be stress-free about all the additional expenses as the expenses will get covered by this coverage.
For example, if the coverage limit in a hospital cash plan is Rs. 1000, and the actual expense is Rs 500, the insurer will pay the amount equal to Rs 1000. Because during the hospitalisation period, the daily hospital cash benefit will work as a safety net and bear all your expenses.
The Standard Plan gives you wide-ranging coverage at an affordable price. You can choose a sum insured of Rs. 10 Lakhs, Rs. 25 Lakhs, Rs. 50 Lakhs, or Rs. 1 Crore.
The Platinum Plan offers complete coverage with a high sum insured. With benefits like no deductions on claims and no waiting period, it’s a great option for getting the most value from your health insurance.
The Super Top-up Plan is ideal for adding extra coverage to your current health plan or medical funds. After meeting a set deductible, you can enjoy features like no waiting period and a high sum insured.
You might think that the right health insurance plan will safeguard you and your family from every unforeseen medical expense. Although, there are some side expenses which do not get covered by your health insurance provider.
Daily hospital cash policy included varied small, inadmissible expenses like surgical accessories, X-ray charges, etc. Besides, if you are hospitalised for over 24 hours, you can get coverage without submitting any supporting bills. Note that this allowance is available only if your hospitalisation is admissible.
In case you are wondering about the maximum claimable amount under the daily hospital cash benefit, it varies from one policyholder to another. That's why it is advisable to look into the daily hospital cash coverage policy before opting for one.
You must be aware of the fact that your insurance provider has the authority to disallow the claim for some specific reasons under hospital cash policy. Here are some of the major exclusions of this coverage, that everyone must know before opting for one.
Coverage for ongoing treatment related to a disability you had before getting the policy.
Covers medical treatments that require hospitalisation but last less than 24 hours, like day surgeries.
Covers the cost of tests needed to diagnose your condition before you are admitted to the hospital.
Provides coverage for medical treatments you receive outside of India.
If you are planning to opt for daily cash insurance, keep all the following documents handy to ease your claiming process.
The detailed invoices from the hospital for your treatment, including room charges, doctor fees, and other medical expenses.
Your insurance document that outlines the coverage details, terms, and conditions of your health plan.
Receipts for the medications prescribed and purchased during your treatment.
A document provided by the hospital that summarises your treatment, diagnosis, and recommendations for post-hospital care.
Results of any medical tests or investigations conducted during your treatment.
A document that verifies your residential address, such as a utility bill or rental agreement.
A government-issued ID, like a passport or Aadhaar card, to confirm your identity.
A recent passport-sized photo of yourself, usually required for documentation purposes.
ACKO, a digital-first insurance company, offers an extensive range of health insurance plans to meet every insurance need of the customers. Every plan offers a substantial sum insured along with additional add-on covers like daily hospital cash coverage, pre-existing disease coverage, etc. Here are some of the key features of the following ACKO health plans.
| Enhance your health insurance by exploring these unique benefits | ||||
| OPD Cover | Cashless Health Insurnce | Room Rent Limit | Unlimited Sum Insured | Zero Waiting Period |
Hospital Daily Cash Insurance policy is evidently helpful during unexpected hospitalisation days. One may face a massive financial strain without this coverage as additional expenses like food, stay, travel, etc. can easily exceed your hospitalisation bills. Henceforth, opt for this daily cash benefit while buying your health insurance policy to ensure optimal medical coverage.
Look into the following commonly asked questions about daily hospital cash in health insurance.
791 Linkedin Followers 
Reviewed by Rupinderjit Singh 
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.
Acko Technology & Services Private Limited
#36/5, Hustlehub One East, Somasandrapalya, 27th Main Rd, Sector 2, HSR Layout, Bengaluru, Karnataka 560102
Products 
Company
Legal
Support
Car Insurance 
Bike Insurance
Health Insurance
Group Health Insurance
Travel Insurance
Life Insurance
