Aditya Birla Hospital Cash Insurance Policy: Benefits, Premium & Coverage

Aditya Birla Hospital Cash Insurance Policy

Aditya Birla Hospital Cash Insurance provides financial coverage for daily ancillary expenses incurred by the insured during hospitalization. It relieves the policyholder from the financial stress posed by incidental hospitalization expenses as they are not covered by regular health plans.

Aditya Birla Hospital Cash Policy Overview

Aditya Birla Hospital Cash policy provides a fixed hospital cash amount to the insured for each day of hospitalization due to an injury or illness. It provides double the hospital cash benefit amount in case the insured is hospitalized due to a road accident or admitted to the Intensive Care Unit (ICU). It also provides a one-time convalescence benefit. In case the insured is 12 years or less, a parents accommodation benefit is also provided.

The Aditya Birla Active Secure Hospital Cash policy offers a daily hospital cash amount ranging from Rs 500 to Rs 10,000. Moreover, the policy comes with hospital cash days of 30, 45 and 60 days.

However, the Aditya Birla Hospital Cash policy comes with a one-day deductible and the daily cash amount will be paid from day two of hospitalization.

Aditya Birla Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 5 years (children)
Maximum Entry Age	65 years 25 years (children)
Coverage	Individual
Hospital Cash Amount	Rs 500/1000/2000/3000/4000/5000/10,000 per day
Number of Hospital Cash Days	30/45/60 days
Policy Term	1 year/ 2 years/ 3 years
Pre-existing diseases waiting period	4 years
Deductible	1 day
Renewability	Lifetime
Discounts	Family discount, Long term discount

Key Features of Aditya Birla Hospital Cash Policy

The Aditya Birla Hospital Cash policy comes with the following key features:

It offers daily hospital cash benefit up to Rs 10,000 per day.
It provides enhanced daily cash benefit during ICU admission.
It provides double hospital cash amount during accidental hospitalization.
It offers convalescence benefit payable once per policy year.
It helps to save tax under section 80D of the Income Tax Act
It comes with the optional assistance of a wellness coach.

Inclusions of Aditya Birla Hospital Cash Policy

Aditya Birla Health Insurance Co. Limited provides the following coverage:

Daily Cash Allowance Benefit- Offers a hospital cash benefit for each day of hospitalization resulting from an accident or illness
ICU Hospitalization Benefit- Offers double hospital cash benefit amount for a maximum of 10 days if the insured is admitted to the ICU
Road Accident Hospitalization Benefit - Offers double hospital cash benefit amount for a maximum of 10 days if the insured is hospitalized due to a road traffic accident
Convalescence Benefit - Offers a lump sum amount as recovery benefit if the insured is hospitalized for 7 days or more
Parental Accommodation Benefit - Offers a lump sum amount if the insured is 12 years or less and a daily cash benefit for 3 days or more has been paid

Exclusions of Aditya Birla Hospital Cash Policy

The following medical expenses are not covered by Aditya Birla Hospital Cash policy:

Self-injury or an attempt to suicide
Outpatient treatment
Day care procedures
Treatment arising out of war or nuclear activities
HIV AIDS
Non-allopathic treatment
Treatment arising out of criminal breach of law
Regular health check-ups
Obesity or weight management programs
Treatment arising out of the abuse of alcohol and drugs
Dental treatment

FAQs

1. What are the waiting periods applicable to the Aditya Birla Hospital Cash policy?
The Aditya Birla Hospital Cash policy comes with the following waiting period:
- Initial waiting period - 30 days
- Specific diseases - 2 years
- Pre-existing diseases - 48 months
2. Can I avail cashless hospitalization facility under the Aditya Birla Hospital Cash policy?

Yes. You can avail cashless hospitalization facility at more than 8700 hospitals across India.
3. Is there a way to reduce my premium for the Aditya Birla Hospital Cash policy?
Yes. You can reduce your Aditya Birla Hospital Cash policy premium with the help of the following discounts:
- Family discount - 10% savings on premium if 3 or more family members are covered
- Long term discount - 7.5% and 10% savings on premium if opted for 2 years or 3 years policy term respectively
4. Which documents do I need to submit to file a claim under my Aditya Birla Hospital Cash policy?
The following documents should be submitted to raise a claim under the Aditya Birla Hospital Cash policy:
- Aditya Birla claim form
- Photo ID and age proof
- Investigation report
- Operation theatre notes (if applicable)
- Final hospital bill
- Hospital discharge summary
- Cancelled cheque
5. Can I cancel my Aditya Birla Hospital Cash policy after buying?

Yes. You can cancel your Aditya Birla Hospital Cash policy after buying it. Make sure to do so during the free look period, which is the first 15 days of policy commencement, to avoid attracting a cancellation fee. If you cancel your policy after the free look period, your paid premium will be refunded after deducting the applicable cancellation fee.