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      Hospital Cash Insurance

      Daily hospital cash insurance is a health insurance benefit that offers a lump sum mount daily to the insured during the hospitalization for a specific period. The money can be utilized to meet the additional expenses that health insurance does not cover for compensating any loss of income during the hospitalization period.

      Read More

      What is Hospital Cash Insurance?

      Hospital Cash Insurance is simply an insurance policy that provides a fixed sum insured for each day of hospitalization of more than 24-hours. It is a fixed daily allowance that is paid to the policyholder to meet miscellaneous expenses during the period of hospitalization.

      The daily cash benefit is usually provided in a basic plan or can be purchased as an optional cover. Some health insurance companies also provide a separate hospital cash insurance plan. Moreover, the daily hospital cash benefit is doubled in case of ICU admissions.

      Benefits of Daily Hospital Cash Insurance

      With Daily hospital cash benefit the insured can pay for the medical expenses that are not covered under a comprehensive health insurance plan, and meet the extra expenses incurred during the hospitalization.

      The daily hospital cash benefit amount is fixed, and if the actual cost is lesser than the daily benefit limit, then the insurer will not ask for any extra amount.

      For instance, the coverage limit in a hospital cash plan is Rs. 800, and the actual expense is Rs 500 then also the insurer will pay the amount equal to Rs 800. So, the daily hospital cash rider benefit works as a cushion for the policyholder during the hospitalization.

      Best Hospital Cash Insurance Plans in 2021

      Check out some of the best hospital cash insurance plans from the top insurers in India as given in the table below:

      Daily Hospital Cash Insurance

      Amount (Rs.)

      Number of Days

      Aditya Birla Activ Assure Diamond Health Insurance Plan ( in-built benefit)

      Rs 500

      For consecutive 5 days

      View Plan

      Bajaj Allianz Hospital Cash Benefit Policy

      Rs 500 to Rs 2500

      30 days & 60 days

      View Plan

      Bharti AXA Health Insurance Plans (Optional Cover)

      Rs 500 to Rs 25000

      up to 45 days

      View Plan

      Cholamandalam Hospital Cash Insurance Plan

      Rs 1000 to Rs 3000

      20-25 days

      View Plan

      Care Health Insurance Plans ( Add-on cover)


      Up to 30 days

      View Plan

      Digit Health Insurance Plans


      up to 30 days

      View Plan

      Edelweiss Health Insurance



      View Plan

      Future Generali Hospital Cash Plan

      Rs 500- Rs 9000

      30, 60, 90, & 180 days

      View Plan

      Iffco Tokio Hospital Daily Cash Policy

      Rs 250 to Rs 5000

      15, 30, 60, 90, & 180 days

      View Plan

      Kotak Mahindra Hospital Cash Optional Cover


      3 days onwards

      View Plan

      Liberty Health Insurance Plans

      Rs 500 to Rs 1000


      View Plan

      Manipal Cigna Health Insurance Plans

      Rs 1000 to Rs 3000


      View Plan

      Niva Bupa (Formerly known as Max Bupa) Health Assurance Plan

      Rs 1000 to Rs 4000

      up to 45 days

      View Plan

      National Health Insurance



      View Plan

      Oriental Happy Cash Policy


      30/60 days

      View Plan

      Raheja QBE Hospital Daily Cash- Group

      Up to Rs 15,000

      7-15 days

      View Plan

      Reliance Health Insurance



      View Plan

      Royal Sundaram Lifeline Insurance Plan ( Optional Hospital Cash Insurance)

      Rs 1000, Rs 2000, Rs 5000

      30 days

      View Plan

      Star Health Insurance

      Basic Plan: Rs 1000, Rs 2000, & Rs 3000

      Enhanced Plan: Rs 3000, Rs 4000, & Rs 5000

      Basic Plan: 30, 60, 90, 120, & 180 days

      Enhanced Plan: 90, 120, & 180 days

      View Plan

      SBI Hospital Daily Cash Insurance Policy

      Sickness: Rs 500 to Rs 2000

      Accident: Rs 1000 to Rs 4000

      30/60 days

      View Plan

      Tata AIG Health Insurance

      Rs 500 onwards

      up to 180 days

      View Plan

      Universal Sompo Health Insurance

      0.25% of the Sum Insured or Rs 2000


      View Plan

      United India Health Insurance

      Rs 250 to Rs 2500

      Rs 500 to Rs 5000


      View Plan

      See More Plans

      Disclaimer:  *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer

      Coverage Provided under the Hospital Cash Insurance

      Your health insurance policy pays for most of your medical expenses during the hospitalization, but some of the expenses are still not covered by your medical insurance plan. Hospital cash insurance can include some of the inadmissible expenses such as X-Ray charges, surgical accessories, visiting family member charges, etc.

      Also, you can avail of daily hospital cash benefits without submitting any supporting bills for hospitalization of more than 24 hours. This daily cash allowance is only available if the hospitalization becomes admissible.

      If the insured is hospitalized for some medical treatment, then the health insurance company pays a lump sum amount daily and the amount can be utilized as per the need of the policyholder.

      In some cases, the coverage amount can be used to meet any additional expenses that are not covered by your health insurance policy or for any loss of income during the hospitalization period.

      Coverage Limit under the Daily Hospital Cash Plan

      Daily cash benefit usually ranges from Rs 100 to Rs 10,000 but the actual amount will vary from one insurer to another. It is suggested to check the hospital cash plan limit in the policy wordings or at the time of purchasing hospital cash insurance.

      If the hospital cash benefit is inbuilt in the health insurance plans then the coverage is provided on percentage bases i.e. a percentage (%) of the Sum Insured.

      For example, the Daily hospital cash policy can provide 1% of Sum insured as a hospital cash benefit. However, the coverage limit can vary from one insurance company to another and has to be checked at the time of policy purchase.

      Tenure of Daily Hospital Cash Benefit

      On an average, a daily hospital cash policy benefit is available for 15 days to 45 days. However, the actual number of days can vary from one health insurance provider to the other and the same needs to be at the time of policy purchase.

      In case you get hospitalized for 10 days then also you are eligible to receive hospital cash benefit for 30 days during the policy term.


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