Reliance Hospital Cash Insurance Policy

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      Reliance Hospital Cash Insurance Policy

      Reliance Hospital Cash policy is a health insurance plan that provides fixed hospitalization cash to cover ancillary expenses incurred during hospitalization due to an illness or accidental injury. It can be purchased in addition to the regular health insurance policy.

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      Reliance Hospital Cash Policy Overview

      Reliance Hospi Care policy provides a lump sum cash benefit for each day of hospitalization. The daily hospital cash benefit amount is doubled if the insured is admitted to the ICU or the Intensive Care Unit. It provides a daily hospital cash benefit for over 150 surgical procedures and over 140 day care procedures. It also provides a lump sum amount for other surgeries that are not part of the covered list. Moreover, the policy also provides a lump sum amount to cover hospitalization due to dengue, malaria or chikungunya.

      The Reliance Hospital Cash policy comes with hospital cash amount ranging from Rs 1000 to Rs 4000 per day. The number of hospital cash days available under the policy is 60 days. Besides, the policy also offers sum insured ranging from Rs 1,00,000 to Rs 10,00,000 for surgical procedures.

      However, the Reliance Hospi Care policy comes with a deductible of one day if the insured is hospitalized for less than 7 days.

      Reliance Hospital Cash Policy Eligibility Criteria

      Criteria

      Specifications

      Minimum Entry Age

      18 years

      Maximum Entry Age

      65 years

      Coverage

      Individual

      Hospital Cash Amount

      Rs 1000/2000/3000/4000 per day

      Number of Hospital Cash Days

      60 days

      Policy Term

      1 year/ 2 years/ 3 years

      Pre-policy health check-up

      Not required for up to 45 years

      Pre-existing diseases waiting period

      4 years

      Deductible

      1 day (if hospitalized for less than 7 days)

      Discount

      Loyalty discount, online discount, long term policy  discount

      Renewability

      Lifetime

      Key Features of Reliance Hospital Cash Policy

      The Reliance Hospi Care policy comes with the following key features and benefits:

      • It offers a hospital cash benefit for up to Rs 4000 per day.
      • It provides double benefit cover if the insured is admitted to the ICU.
      • It offers daily cash benefit for more than 150 surgeries and 140 day care procedures.
      • It provides a lump sum benefit in case of hospitalization due to dengue, malaria and chikungunya.
      • It provides tax benefits available under section 80D of the Income Tax Act

      Inclusions of Reliance Hospital Cash Policy

      The Reliance Health Insurance covers the following under Hospi Care policy:

      • Surgical Procedure Cash - Offers coverage for surgical procedures up to Rs 10,00,000 during hospitalization due to an accidental injury or illness
      • Hospital Daily Cash - Offers a daily hospital cash benefit up to Rs 4000 during hospitalization
      • ICU Cash Benefit - Offers twice the daily hospital cash amount for a maximum of 15 days if admitted to the ICU
      • Day Care Treatment Cash - Offers a lump sum cash benefit of up to Rs 50,000 in case of day care procedures
      • Other Surgeries Cash - Offers a lump sum benefit of up to Rs 20,000 in case of non-listed surgical procedures
      • Hospitalization due to Dengue/ Malaria/Chikungunya - Offers a lump sum amount of Rs 20,000 if hospitalized due to dengue, malaria or chikungunya

      Exclusions of Reliance Hospital Cash Policy

      Any of the below-mentioned medical expenses will not be covered by Reliance Hospi Care policy:

      • Non-allopathic treatments
      • Pregnancy and related procedures
      • Treatment due to use of alcohol, drugs or other intoxicants
      • Intentional self-injury or attempted suicide
      • Outpatient treatment
      • Treatment taken outside India
      • Injuries due to participation in adventure sports
      • Cosmetic or plastic surgery
      • Dental treatment
      • Obesity treatments

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