हॉस्पिटल कैश पॉलिसी

हॉस्पिटल कैश इंश्योरेंस क्या है?

Hospital Cash Insurance offers a crucial support mechanism by providing a fixed daily benefit to policyholders during hospital stays. With rising healthcare expenses, this coverage helps offset non-medical costs, like hospital room rent, transportation, and additional medical fees, easing the financial strain on families.

Unlike typical health insurance policies, which reimburse or directly cover medical bills, this hospital cash insurance is a direct cash benefit policy, allowing you to use the funds flexibly as per your needs. It’s an ideal add-on for those who want extra financial protection for hospital expenses. Choose the daily hospital cash policy for peace of mind during hospital stays.

बजाज आलियांज़ जनरल इंश्योरेंस कंपनी की हॉस्पिटल कैश डेली अलाउंस पॉलिसी आपको अचानक होने वाले मेडिकल खर्चों से सर्वश्रेष्ठ सुरक्षा प्रदान करने के लिए डिज़ाइन की गई है. इस प्लान के साथ, आपको हॉस्पिटल में रहने के दौरान आकस्मिक खर्चों को कवर करने के लिए डेली अलाउंस प्राप्त होता है. यहां जानें कि यह ज़रूरी क्यों है:

दैनिक कैश लाभ:

हॉस्पिटलाइज़ेशन के प्रत्येक दिन एक निश्चित कैश राशि प्राप्त करें, जो स्टैंडर्ड हेल्थ इंश्योरेंस के तहत कवर न किए गए खर्चों में मदद करता है.

सुविधाजनक सम इंश्योर्ड:

रु. 500 से रु. 2,500 प्रति दिन तक के विभिन्न कवरेज लेवल में से चुनें, जिससे आपको अपनी आवश्यकताओं के आधार पर कवरेज प्रदान करने की स्वतंत्रता मिलती है.

आईसीयू के लाभ :

आईसीयू में भर्ती होने के मामले में दोगुनी दैनिक कैश राशि मिलती है, जिससे गंभीर स्थितियों में अतिरिक्त सहायता मिलती है.

टैक्स सेविंग :

भुगतान किए गए प्रीमियम सेक्शन 80D के तहत टैक्स कटौती के लिए पात्र हैं, जो फाइनेंशियल राहत प्रदान करते हैं.

फैमिली डिस्काउंट :

अगर आप एक ही पॉलिसी में परिवार के दो या अधिक सदस्यों को कवर करते हैं, तो 5% तक की छूट पाएं.

The hospital cash insurance plan from Bajaj Allianz General Insurance Company functions as a daily support fund. When you're admitted to a hospital, you’re entitled to a daily cash allowance, which can be used for any expenses, including non-medical costs that aren’t covered under standard health insurance.

Whether it's paying for hospital room upgrades or managing additional out-of-pocket expenses, the daily allowance ensures financial ease during hospital stays. You can easily buy this hospital daily cash policy online, choosing from a variety of premium plans and policy terms for optimal flexibility and protection.

हॉस्पिटल कैश डेली अलाउंस पॉलिसी: आपकी हेल्थकेयर के लिए व्यापक लाभ 

हॉस्पिटल कैश डेली अलाउंस पालिसी हॉस्पिटल में भर्ती होने के खर्चों के लिए अपनी सुविधाओं की व्यापक श्रेणी के साथ इंश्योरेंस कवर प्रदान करती है:

डेली कैश बेनिफिट 

This policy offers cash benefits payable for each day of hospitalisation.

फैमिली डिस्काउंट 

5% परिवार छूट का लाभ उठाएं यदि 2 या अधिक परिवार के सदस्य इस पॉलिसी के कवर हैं।यह छूट दोनों पॉलिसी नई तथा नवीनीकृत पर लागू होती है,.

दोगुना कैश लाभ 

इस पॉलिसी के तहत, आईसीयू प्रवेश के मामले में नकद लाभ दोगुना हो जाता है.

बीमित राशि में वृद्धि 

आप रिन्यूअल के दौरान अपनी पॉलिसी की इन्श्योर्ड राशि को बढ़ा सकते हैं.

Additional Benefits with Your Hospital Cash Daily Allowance 

यह टॉप-अप हेल्थ इंश्योरेंस प्लान अस्पताल के आकस्मिक खर्चों से राहत देता है और और नीचे सूचीबद्ध अन्य लाभ देता है:

रिन्यूएबिलिटी 

आप अपने पूरे जीवनकाल के लिए अपनी हॉस्पिटल कैश डेली अलाउंस पॉलिसी को रीन्यू कर सकते हैं.

टैक्स की बचत 

इनकम टैक्स एक्ट के सेक्शन 80D के तहत रु.1 लाख तक की टैक्स बचत.*

*On opting for Hospital Cash Daily Allowance policy for yourself, your spouse, children and parents, you can avail Rs 25,000 per annum as a deduction against your taxes (provided you are not over 60 years). If you pay a premium for your parents who are senior citizens (age 60 or above), the maximum health insurance benefit for tax purposes is capped at Rs 50,000.

As a taxpayer, you may, therefore, maximise tax benefit under Section 80D up to a total of Rs 75,000, if you are below 60 years of age and your parents are senior citizens. If you are above the age of 60 years and are paying a medical insurance premium for your parents, the maximum tax benefit under Section 80D is, then, Rs 1 lakh.

एक से अधिक सम इंश्योर्ड विकल्प 

आप 500 रु से लेकर 2,500 रु प्रति दिन के इन्श्योर्ड राशि विकल्पों में से चुनाव कर सकते हैं.

Coverage Provided under the Hospital Cash Insurance  

Hospital cash insurance provides a daily cash allowance in health insurance to cover miscellaneous expenses during hospitalisation, such as transportation, food, and companion accommodation. This benefit supplements regular health insurance, offering a fixed daily sum for each day of hospital stay, regardless of the actual hospital expenses. It applies to both planned and emergency hospitalisations, ICU admissions, surgeries, and sometimes even day-care procedures based on the policy terms.

Bajaj Allianz Health Insurance, with its extensive network of 18,400+ hospitals, ensures seamless claims processing for such benefits. Some plans also provide double benefits for ICU admissions or extended hospital stays. Maternity-related hospitalisation and specific critical illnesses can also attract higher daily cash benefits under select policies.

The payout process is typically simple, requiring basic documentation such as discharge summaries and hospital bills. Therefore, hospital daily cash policies serve as a financial cushion, enabling patients to manage out-of-pocket expenses efficiently during treatment.

Non-Coverage Provided under the Hospital Cash Insurance 

Hospital cash insurance, while helpful, has certain non-coverage areas. It does not provide benefits for hospitalisation under less than 24 hours unless specified for day-care treatments. Pre-existing diseases during the waiting period, cosmetic surgeries, dental treatments (unless due to accidents), infertility treatments, and self-inflicted injuries are typically excluded.

Hospitalisation due to substance abuse or participation in hazardous activities may not be covered. Some policies exclude maternity-related hospital stays unless specifically included. Bajaj Allianz Health Insurance clearly outlines exclusions in their hospital daily cash policy documents, allowing transparency for customers.

Expenses incurred without actual hospital admission (such as OPD consultations) are not eligible for the daily cash allowance in health insurance. Policyholders should thoroughly read the terms and conditions, including any waiting periods or disease-specific exclusions, to avoid claim rejections. Understanding these limitations ensures realistic expectations from the hospital cash insurance and helps in selecting suitable health coverage.

Who Should Consider Hospital Cash Insurance? 

Hospital daily cash policies are ideal for individuals who wish to supplement their existing health insurance. Those with high deductibles, co-payments, or significant non-medical expenses during hospitalisation will benefit greatly. Salaried employees, self-employed individuals, and people without comprehensive employer-provided health plans should consider purchasing hospital cash insurance.

Additionally, families with dependents, senior citizens, and individuals prone to frequent hospital visits due to chronic illnesses can benefit from the daily cash allowance in health insurance.

It is especially useful for managing incidental expenses that primary insurance does not cover, such as food, travel, and attendant lodging. The fixed cash benefit ensures financial stability during recovery without depending on savings. Therefore, anyone looking to reduce the indirect financial burden of hospitalisation should consider including a hospital daily cash policy in their health protection portfolio.

Key Considerations when Purchasing Daily Cash Benefit Policy 

When selecting a daily cash allowance in health insurance, carefully evaluate the per-day benefit amount to ensure it matches your potential non-medical expenses. Review the maximum benefit period — longer hospitalisation support is advantageous. Check if there are enhanced payouts for ICU stays or critical illnesses.

Understand exclusions like pre-existing diseases, short hospital stays, or maternity coverage limitations. Waiting periods and claim documentation requirements must also be reviewed.

Choose a hospital cash insurance provider like Bajaj Allianz General Insurance, which is backed by a vast 18,400+ hospital network, ensuring convenience during emergencies. Compare premium costs with offered benefits to achieve an optimal balance.

Ensure the policy is portable and flexible enough to accommodate changes in health status. Transparency in terms, simple claim procedures, and reliable customer support should be deciding factors. Always read the policy document thoroughly before committing.

डेली कैश बेनिफिट की प्रमुख विशेषताएं  

A hospital daily cash policy offers a fixed cash payout for every day of hospitalisation, irrespective of the treatment costs incurred. It serves as an excellent supplement to standard health insurance by covering non-medical expenses such as attendant lodging, transportation, and post-discharge needs. Some policies provide double the daily benefit for ICU admissions or critical illnesses. Maternity hospitalisations may also be covered in select plans. Flexibility to choose the daily payout amount and coverage tenure adds to its appeal.

The daily cash allowance in health insurance helps maintain financial stability during medical emergencies without burdening savings. Bajaj Allianz Health Insurance plans offer easy claims across 18,400+ network hospitals. These policies generally come with minimal documentation and simple processes, making them user-friendly. It’s a perfect financial backup for salaried individuals, self-employed professionals, or families with dependent members needing extra protection during hospitalisation.

Tenure of Daily Hospital Cash Benefit 

The tenure for receiving daily cash benefits typically ranges from 30 to 180 days of hospitalisation per policy year, depending on the insurer and plan chosen. Some comprehensive hospital cash insurance plans also extend coverage for longer hospital stays, including ICU admissions, ensuring better financial support during prolonged treatments.

बजाज आलियांज अस्पताल डेली कैश अलाउंस क्यों चुनें?

अस्पताल के खर्चे काफी अधिक सकते हैं और आपकी सारी बचत समाप्त कर सकते हैं।डॉक्टर की फीस, चिकित्सीय बिल, अस्पताल के कमरे का किराया आदि कभी न खत्म होने वाले वे खर्चे हैं जो अस्पताल में भर्ती होते ही शुरू हो जाते हैं ।यह आपके परिवार पर आर्थिक बोझ के साथ साथ आपको भावुक भी कर सकता है.

हम अपनी हॉस्पिटल कैश डेली अलाउंस पालिसी के माध्यम से हॉस्पिटल में उपचार के दौरान इस तरह के आर्थिक संकट से बचने के लिए एक समाधान प्रदान करते हैं. यह पॉलिसी हॉस्पिटलाइज़ेशन अवधि के दौरान अचानक होने वाले खर्चों की देखभाल करने के लिए डेली लाभ राशि का भुगतान करती है. यह पॉलिसी एक ऐड-ऑन पॉलिसी है और इसे हेल्थ इंश्योरेंस पॉलिसी.

Hospital Cash Daily Allowance comes in handy in the event of sudden hospitalisation as it provides a daily cash benefit. To opt for this policy at competitive premium rates.