With hospital daily cash insurance, you get a specific sum on each day that you are hospitalized. This usually goes from Rs.250 to Rs.15,000 per day. You can use it to pay for additional costs that your normal health insurance policy doesn’t cover or view it as compensation for any income you may have lost during the time you have been unable to work.
Usually, you need to be hospitalized for more than 24 hours for a hospital daily cash insurance policy to be valid [1]. Also, remember that the benefits usually double if the insured is admitted to an ICU. Keep in mind that a hospital daily cash insurance plan can be a separate health policy, or your insurer may provide it as an optional rider. Read on to find out more about hospital daily cash insurance.
With a hospital daily cash insurance plan, you can avail the daily benefit of the following:
Additional Read: Inpatient Hospitalization: How is Aarogya Care Useful?
Just like a comprehensive health policy, there is a certain waiting period before a hospital’s daily cash insurance policy gets activated. Here are some crucial facts you should know.
Apart from these, certain ailments or treatment procedures may need a waiting period of 48 months before you can enjoy the hospital’s daily cash insurance cover. These include osteoporosis, osteoarthritis, and replacement of joints, among a few.
Some of the common events when a hospital’s daily cash insurance plan does not offer you any benefits include the following.
Additional Read: Health Insurance Discounts: Know About the 5 Types to Avail
Now that you know about the inclusions and exclusions of hospital daily cash insurance, you can utilize the benefit of a hospital daily cash insurance policy wisely. While you can buy a separate plan for hospital daily cash insurance, you can also opt for the all-inclusive Aarogya Care plan.
Usually, policyholders buy a hospital daily cash insurance cover when their basic plan doesn’t cover expenses related to diagnostic tests, surgeon’s fees or instruments, and more. However, the Complete Health Solution plans available on Bajaj Finserv Health offer wide coverage. This includes cover not only for in-patient hospitalization treatment and room rent but also for:
Apart from this, you can make your health insurance claims with ease, either in the cashless or reimbursement mode. For cashless treatment, make sure you get to visit a network hospital part of the huge partner network of Aarogya Care. Alternatively, you can make reimbursement claims from any hospital or medical facility of your choice.
Looking for a discount on health insurance? Aarogya Care plans offer you up to a 10% network discount on medical services from partners and also give you a No Claim Bonus which can get you discounts on premiums or increase your cover. These plans also offer
pre- and post-hospitalization coverage, free preventive health check-ups, and COVID treatment coverage, among many other features. You can also opt for free insta consultations with 8,400+ top doctors across 35+ specializations in 17+ Indian languages with these plans. To secure yourself against all kinds of health hazards, sign up for it today. To further enjoy deals and cashback, you can also sign up for a prepaid health card on the Bajaj Finserv Health app or website. All this makes it easier for you to put your health first and get treated more affordably.
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