Hospital Cash Insurance

Hospital Cash Insurance



Take care of your loved ones during hospitalization,
as we take care of your expenses

Know more

Get daily cash benefits during hospitalization

Helping you with your hospital expenses
Daily cash benefit
up to Rs. 3,500

Buy Now

Learn More
 

Renew Now

Learn More

The Hospital Cash Insurance facility helps you to take care of expenses incurred during hospitalization. With this service, you can avail facilities like special diet, expenses incurred by family members for staying with patient, reimbursement for commuting to hospital, and so on. Get daily cash benefits for each 24 hours spent in the hospital.

  • Daily cash benefit : You can avail the daily cash benefit of up to Rs. 3,500 for up to 180 days
  • Double benefit : You can avail the benefits of Hospital Cash along with the medical insurance
  • Facility for all : You can avail Hospital Cash facility, if you fall in the age-group of 1 to 70 years, as on the commencement date of the policy. This facility is eligible for your spouse, dependent children, dependent parents, and dependents bearing a legal relationship if they are less than 70 years of age
  • Discount on premium : Get 10% discount on premium, if three or more people are covered
  • Tax benefits : Claim Income Tax benefit under Sec 80D of the Income Tax act, for yourself, spouse, dependent children, and dependent parents
  • High convenience : Coverage provided without undergoing any medical examination
  • No documents are needed to enroll for the policy
  • All registered hospitals in India are covered under this facility
  • This coverage is designed by Royal Sundaram General Insurance Co. Limited for SBI cardholders

How to make a claim

To claim, fill the claim form and submit along with the following documents:

  • Photo copy of bills, receipts and discharge certificate or card from the Hospital
  • Photocopy of FIR in case of an accident
  • Photo copies of Complete set of hospital or medical records if specifically sought
  • (Please refer to policy conditions for exact details)

    Note:At inception, you may review the terms and if you find the same not acceptable, opt out of the policy within 15 days from the date of receipt of policy documents. If you have not made any claim, you will be refunded the premium amount paid less stamp duty charges and proportionate risk premium for the period you have been under cover.

  • Premium Charges( The below rates are inclusive of 14% service Tax, 0.5% Swachh Bharat Cess and 0.5% Krishi kalyan Cess )
Plan Name Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6
Daily Cash Benefit (INR) 1,000 1,500 2,000 2,500 3,000 3,500
For Age Group 1 to 45 years 1,043 1,557 2,162 2,595 3,249 3,808
For Age Group 46 to 70 years 1,245 1,661 2,225 2,699 3,314 4,075

    Hospital Cash Insurance will not be liable to make any payment under this policy for hospitalization caused by or arising due to the following:

  • Pre-existing Diseases & conditions - Any condition, ailment or injury or related condition(s) for which you had signs or symptoms and/or were diagnosed and/or received medical advice/ treatment, within 48 months prior to policy inception
  • Any disease contracted during the first 30 days of the commencement of the policy
  • During the first year of the operation of the policy, the expenses on treatment of Congenital Internal Anomaly, any type of Migraine/ Vascular head ache, Stones in the Urinary and Biliary systems, Surgery on Tonsils/Adenoids, Gastric and Duodenal Ulcer, any type of Cyst/Nodules/ Polyps, any type of Breast Lumps, Spondylosis/ Spondilitis any type, Inter vertebral Disc Prolapse and such other Degenerative Disorders, Cataract, Benign Prostatic Hypertrophy, Hysterectomy, Fistula, Fissure in Anus, Piles, Hernia, Hydrocele, Sinusitis, Knee/Hip Joint replacement, Chronic Renal Failure or end stage Renal Failure, Heart diseases, any type of Carcinoma/Sarcoma/Blood Cancer, Osteoarthritis of any joint are not payable Treatment arising from or traceable to pregnancy/ childbirth , and any fertility, sub-fertility or assisted conception operation
  • Circumcision unless necessary for treatment of a disease; not excluded hereunder or necessitated due to an accident
  • Outpatient treatment, general debility, `run-down' condition or rest cure, congenital external disease or defects or anomalies, , venereal disease, intentional self-injury
  • Sex change or treatment which results from, or are in any way related to, sex change, hormone replacement therapy
  • All hospitalization arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus Type III (HTLB-III) or Lymphadenopathy Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency Syndrome or any syndrome or condition of a similar kind commonly referred to as AIDS
  • Admission at hospital or nursing home primarily for diagnostic, X-ray or laboratory examinations or other diagnostic studies not consistent with or incidental to the diagnosis and treatment of the positive existence or presence of any ailment, sickness or injury, for which confinement is required at a hospital or a nursing home
  • Injury or disease directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war-like operations, whether war be declared or not
  • Injury or disease directly or indirectly caused by or contributed to by nuclear weapons or materials, radioactive contamination. Any claim arising directly or indirectly by: - Ionising radiation or contamination by any nuclear fuel or from any nuclear waste from burning nuclear fuel or - Radioactive, toxic, explosive or other dangerous properties of any explosive nuclear machinery or part of it
  • Hospitalisation for routine or preventative examinations, vaccinations, inoculation or screening
  • The treatment of psychiatric, mental or nervous conditions, insanity, any cosmetic, plastic surgery, aesthetic or related treatment of any description, whether or not for psychological reasons, unless medically necessary as a result of an accident
  • Use of intoxicating drugs or alcohol and the treatment of alcoholism, solvent abuse, drug abuse or any addiction and medical conditions resulting from, or related to, such abuse or addiction
  • Any other Alternative Treatments except Allopathy (Modern Medicine), any treatment received in convalescent homes or hospitals, health hydros, nature cure clinics or a place where there is no active regular treatment
  • Person whilst engaging in speed contest or racing of any kind (other than on foot), bungee jumping, parasailing, ballooning, parachuting, skydiving, paragliding, hang gliding, mountain or rock climbing necessitating the use of guides or ropes, pot holing, abseiling, deep sea diving using hard helmet and breathing apparatus, polo, snow and ice sports and activities of similar hazard
  • Complication of any surgery, therapy or treatment administered on the insured person, which is not prescribed or required by a Registered Medical Practitioner/Registered Medical Institution in their professional capacity

Please refer to your policy documents for detailed list of exclusion.

For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

Insurance is a subject matter of solicitation.

SBI Card is the Corporate Agent of Royal Sundaram General Insurance Co. Limited vide IRDAI Registration code CA0075

Royal Sundaram General Insurance Co. Limited IRDAI Registration No.102

UIN NO: IRDA/NL-HLT/RSAI/P-H/V.I/182/13-14

Other Insurance options

Card Protection Plan

Card Protection Plan

Protect yourself with India's first comprehensive card protection service in the event of card loss, theft or fraud.

Learn More
Accident Shield Insurance

Accident Shield Insurance

Get a personal accident cover and protect yourself and your loved ones against death and disability.

Learn More
Family Health Floater

Family Health Floater

Get multiple members of your family covered under one policy and single premium.

Learn More
Download from