Oriental Hospital Cash Insurance Policy

Oriental Hospital Cash policy provides coverage for incidental expenses, such as lodging, conveyance, food, etc. which are generally not covered by a regular health insurance plan. This policy by the Oriental Insurance Company Ltd. can be purchased separately besides your base health insurance  plan.

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Oriental Hospital Cash Insurance Policy

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    The Oriental Happy Cash policy provides a fixed daily hospital cash benefit to the insured for a maximum of 30 or 60 days of hospitalization per illness. It also provides a fixed lump sum amount as a convalescence benefit in case the total days of hospitalization goes beyond the opted number of hospital cash days i.e. 30/60 days.

    Moreover, if the insured is a female, she will get an additional 25% daily cash benefit at no additional costs. For example, if the insured woman has opted for a hospital cash amount of Rs 1000 per day, she will get 25% extra daily cash benefit i.e.Rs 1250 per day.

    The Oriental Hospital Cash policy offers a hospital cash amount of Rs 500/1000/2000/3000 per day as chosen by the policyholder. It also comes with an optional deductible of 1 day and 2 days, which can be chosen by the policyholder. However, opting for a deductible is not mandatory under the policy.

    Oriental Hospital Cash Policy Eligibility Criteria 



    Minimum Entry Age

    18 years

    03 months (children)

    Maximum Entry Age

    65 years (75 years in case of base health policy from Oriental Insurance)

    25 years (children)

    Hospital Cash Amount

    Rs 500/ 1000/2000/3000 per day

    Number of Hospital Cash Days

    30/60 days

    Additional Benefit

    25% additional daily cash benefit for women

    Policy Term

    1 year

    Pre-existing diseases waiting period

    4 years


    1 day/ 2 days (Optional)




    Family discount and loyalty discount

    Key Features of Oriental Hospital Cash Policy

    The Oriental Happy Cash policy from Oriental Health Insurance comes with the following features and benefits:

    • It provides a daily cash benefit for each day of hospitalization.
    • It comes with a convalescence benefit paid in a lump sum.
    • It offers an additional 25% daily cash benefit to females.
    • It comes with deductible options of 1 day and 2 days.
    • It offers savings on premium with the help of loyalty discount and family discount.

    Inclusions of Oriental Hospital Cash Policy

    Take a look at the various coverage offered under the Oriental Hospital Cash policy:

    • Hospitalization benefit- Offers a daily cash benefit for each day of hospitalization up to a maximum of 30/60 days
    • Convalescence benefit- Offers a lump sum benefit in case the total hospitalization days goes beyond a maximum of 30/60 days
    • Increased daily cash benefit for females- Offers additional 25% hospital cash benefit per day to females

    Exclusions of Oriental Hospital Cash Policy

    The following medical expenses are not covered by Oriental Happy Cash policy:

    • Injuries resulting from war or war-like operations
    • Treatment taken outside India
    • Cosmetic surgery or plastic surgery
    • Pregnancy and related expenses
    • Claims arising due to substance abuse
    • Stem cell therapy
    • Self-inflicted injuries
    • Cosmetic dental surgeries
    • Sex change surgery

    The above list of exclusions is not complete. Refer to the Oriental Hospital Cash policy brochure for the detailed list.


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