Hospital Cash Cover

Worried about expenses if you are hospitalised due to an illness or injury? Protect yourself against the financial strain of hospitalisation with the Hospital Cash Cover from Bajaj Finserv. An easy application process coupled with adequate sum insured make this health insurance cover, the ideal way to deal with everyday expenses when you undergo treatment at a hospital.

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• Hospital Cash Cover Features and Benefits

• 

  Sum Insured

  Get Rs. 1000 per day for 30 days at a premium of Rs. 549. Individuals in the age between 18 years and 65 years can opt for this plan which is valid for a period of 1 year.

• 

  Daily Cash Benefit

  In the event of hospitalisation, the policyholder gets a daily cash allowance of Rs. 1,000 to take care of the day-to-day expenses. The daily cash benefit can also be availed if one is undergoing a day care treatment procedure.

• What is Not Covered in Hospital Cash Cover Policy

• 

  Any illness diagnosed or diagnosable within 30 days of the commencement of the Cover Period (Not applicable for accidental hospitalization). Also, the minimum hospitalisation period has to be 24 hours.

• 

  Any hospitalization for an existing disability from an accident which occurred before the start date of the policy period.

• 

  Any stay in hospital for an injury due to an accident, without undertaking any treatment.

• 

  Hospitalization for accidental Injury aggravated by an existing disability or pre-existing illness/condition/injury.

• 

  Vaccination and inoculation of any kind unless forming part of treatment for an injury due to an accident.

• 

  Any treatment taken outside India.

• 

  Treatment taken from persons not registered.

• 

  Aesthetic treatment, cosmetic surgery and plastic surgery, unless needed due to an accident or as treatment for an injury.

• 

  Pre-existing diseases are not covered for 2 years.

• To know the complete list of exclusions under the policy, please click here.

Applying for the Hospital Cash Cover requires you to fill in the online application form and pay the premium using your preferred payment mode. Here is the step-by-step process to complete the purchase.
 

• Step 1:  Click on ‘Apply Now’ button at the top left-hand corner on the page and fill in the online application form.


• Step 2:  Authenticate your application by entering the OTP received on your mobile number


• Step 3:  Pay the premium via credit/debit card, UPI, mobile wallet, or any other available online payment mode.

You can raise a claim by contacting the insurer via one of the following ways:

• Insured or his representative must intimate at least 48 hours prior a planned hospitalization and in case of an emergency situation, within 24 hours of hospitalization
• Insured or his representative to call on toll free no. 1800 2666 or forward an SMS "HEALTHCLAIM" to 575758 to receive call back from ICICI Lombard Health Care.
• Customer provides following information during claim intimation to ICICI Lombard Health Care and receives Claim Intimation Service Request Number as reference number. This reference number should be mentioned in the claim form during claims reimbursement:

1. UHID Number
2. Policy Number
3. Patient Name
4. Name of Caller
5. Caller's Contact Number
6. Relationship with the Proposer
7. DOA
8. Expected Length of stay
9. Reason for Admission
10. Name of the Doctor
11. Hospital Name
12. Hospital complete address with landmark
13. Hospital City
14. Hospital State

Note: All the above-mentioned details are mandatory to raise claim intimation service request.

Documents Required* (In Originals)

Please take care to submit all the below documents while submitting your reimbursement claim:

• Duly filled Claim form (signed by the Insured and the Treating Doctor)
• Discharge summary (with details of complaints and the treatment availed)
• Final Hospital Bill (detailed break-up) along with interim bills
• Payment Receipts
• Doctor's consultation papers

For any queries or concerns related to Hospital Cash Cover, please get in touch with us by writing an email to pocketservices@bajajfinserv.in.

Disclaimer - *Conditions apply. This product is offered under the Group Insurance scheme wherein Bajaj Finance Limited is the Master policyholder. The insurance coverage is provided by our partner Insurance Company. Bajaj Finance Limited does not underwrite the risk. IRDAI Corporate Agency Registration Number CA0101. The above mentioned benefits and premium amount are subject to various factors such as age of insured, lifestyle habits, health, etc (if applicable). BFL does NOT hold any responsibility for the issuance, quality, serviceability, maintenance and any claims post sale. This product provides insurance coverage. Purchase of this product is purely voluntary in nature. BFL does not compel any of its customers to mandatorily purchase any third party products.”