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Rural Insurance

Sukshma Hospi-Cash (Micro-Insurance Product)

Sukshma Hospi-Cash 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 individual Sum Insured basis or on Family Floater Sum Insured basis, covering Self, Spouse and up to a maximum of three dependent children (up to 25 years).

Sukshma Hospi-Cash policy guards you and your family against the trauma you face because of increased financial burden during hospitalization.

It provides you with fixed benefit for each day of hospitalization irrespective of the actual medical cost. Thus provides you with additional protection at all times.

What’s Covered

Key Benefits

  • Daily Hospitalization 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 days as per the plan chosen

  • ICU 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

Optional benefits

  • Deductible
    You will have an option to choose deductible of 1 day, 2 days or 3 days and avail a discount on premium as per the deductible and 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 days/ 20 days/ 25 days plan options, if opted for

  • Maternity Benefit Expenses Cover
    You have the option to choose Maternity benefit expenses cover with and without 9 months waiting periods

  • Pre-Existing Disease cover
    You have the option to choose Pre-Existing Disease cover to cover any condition/ ailment/ injury/ related condition for which you have been diagnosed, received medical treatment, had signs/ symptoms, prior to inception of first policy

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, ‘Run Down’ condition or rest cure, sexually transmitted disease, intentional self-injury

  • Non-Allopathic treatment/ hospitalization

  • Any hospitalisation outside India

  • Hospitalization for any mental illness or psychiatric illness

DOWNLOADS

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer to the Policy Wordings.

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