BOI Hospital Cash

  • You can claim for each day of hospitalization as per your plan.
  • Premium paid is exempt under the section 80 D of Income Tax.
  • Continuity would be offered from similar Hospital cash policy with the same per day benefit amount.
  • The product is offered from six months to 65 years and renewable lifelong.
  • The per day benefit will be two times when hospitalised in an ICU in your home city i.e. within the city of residence.
  • The policy can be on individual Sum Insured basis or on family floater basis, covering self, spouse, and two dependent children (up to 25 years).
  • The per day benefit will be three times when hospitalised in an ICU outside your home city i.e. outside the city of residence.
  • For Individual as well as Family floater plan, only one hospitalization benefit plan across all members needs to be selected.
  • No medical tests required for clean proposal except for plan C and D where insured is above 55 years of age.
  • ICU benefit is available for a maximum period of 10 days for each hospitalization and a maximum of 20 days during the policy period.
  • There will be no loading on premium for adverse claims experience in our individual Hospicash policy.
  • Additional convalescence benefit of B5000 for hospitalisation of more than 10 days, payable only once per hospitalisation event.
  • Continuity would be offered from similar Hospital cash policy with the same per day benefit amount from our Group Hospital cash policy to our individual Hospicash policy
  • The brochure / prospectus mentions the premium rates as per the age slabs / sum insured for the completed age at every renewal and are subject to revision as and when approved by the regulator. However such revised premiums would be applicable only from subsequent renewals and with due notice whenever implemented

Downloadable documents for Hospital Cash Insurance

Prospectus
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Brochure
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Policy Wordings
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Proposal Form
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Claim Form
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