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COMMERCIAL INSURANCE

Alpa Bima-Group

Alpa Bima – Group provides a cash benefit in case an insured gets hospitalized. It is specifically designed to take care of the incidental expenses in case of hospitalization. This product will be offered on group basis.

The Insured will get the fixed benefit for each day of hospitalization irrespective of the actual medical cost. Thus, provides additional protection at all times.

Salient features:

  • This Policy is applicable for groups as defined under IRDAI Group guidelines

  • Policy term is 1 year

  • The product will be offered on individual or family floater Sum Insured basis

  • Medical test is not required for any age and/ or plan opted


  • Critical Illness cover and Personal Accident Cover will be available for employee/ primary member of the group only, on Individual basis.


What's Covered
  • Daily Hospital Cash benefit
    You will get a fixed hospital cash benefit for each continuous and completed period of 24 hours of hospitalization caused by Accidental Bodily Injury or Sickness, for maximum of 5/ 10/ 15/ 20/ 25/ 30 days as per the plan chosen.

  • Daily ICU Cash Benefit
    You will get two times of the benefit chosen in case of hospitalization in the Intensive Care Unit of a Hospital caused by Accidental Bodily Injury or Illness, for maximum period of 10 days for each hospitalization and maximum period of 20 days during policy period as per plan opted.

  • Convalescence Benefit
    You will get an additional convalescence benefit for Hospitalisation beyond 10 consecutive days for maximum once per hospitalisation period. The cover will be applicable for 15/ 20/ 25/ 30 days plan options.

  • Maternity Benefit Expenses Cover
    You will get the hospital cash benefit for each continuous and completed period of 24 hours of hospitalization arising from or traceable to pregnancy, childbirth including normal or caesarean section and complications of maternity.

  • Pre-Existing Disease cover
    You will get the hospital cash benefit for each continuous and completed period of 24 hours of hospitalization arising from any condition, ailment or Injury which is Pre-Existing.

  • Personal Accident Cover
    We will pay the Primary Insured Person, the percentage of Sum Insured as listed in the Schedule of Benefits, in case of an Accidental Bodily Injury to the Primary Insured Person.

  • Critical Illness Cover
    We will pay the Primary Insured Person, the Sum Insured as a lump sum amount mentioned in the Policy Schedule, in case the Primary Insured Person is diagnosed as suffering from the covered Critical Illnesses, provided it occurs or manifests itself during the policy period as a first incidence.

What's Not Covered
  • Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.

  • Hospitalisation for General debility, rest cure, sexually transmitted disease, intentional self-Injury.

  • Costs incurred on all methods of treatment including Alternative treatments other than Allopathy.

  • Being under the influence of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Physician and taken as prescribed.

Disclaimer For complete details of Policy coverage,terms,conditions and exclusions,please refer the policy wordings. Click here to view Policy Wordings.

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