Hospital Cash

🌟 Plan ka Overview

Hospitalisation hone par sirf hospital bill hi nahi balki kai chhote-bade kharche aate hain: travel, attendant ka kharcha, special diet, lodging for family member, etc. Normal health insurance in miscellaneous kharchon ko cover nahi karta. Inhi extra expenses ko target karta hai “Hospital Cash Insurance Policy”.

Star Health ka Hospital Cash plan ek aisa supplementary policy hai jo har hospitalised din ke liye ek fixed daily cash benefit deti hai — jisse aap hospitalisation ke dauran hone wale “non-medical or incidental” kharche manage kar sakte hain. Yah plan existing health insurance ke sath add-on ke roop me ya separate policy ke roop me liya ja sakta hai. Star Health+2Star Health+2

🛡️ Key Features aur Benefits

✅ Plan Options & Coverage

• Do main variants hain: Basic Plan aur Enhanced Plan. Star Health+1

• Daily benefit amount (Hospital Cash Amount) Basic Plan me: ₹1,000 / ₹2,000 / ₹3,000 per hospitalised day. Enhanced Plan me: ₹3,000 / ₹4,000 / ₹5,000 per day. Star Health+1

• Maximum number of hospitalised days (annual limit) Basic Plan: 30 / 60 / 90 / 120 / 180 days. Enhanced Plan: 90 / 120 / 180 days per policy year. Star Health

• Policy term: 1 year / 2 years / 3 years ka option. Star Health

• Type: Individual basis ya Family Floater basis (self + spouse + upto 3 dependent children) bhi cover hota hai. Star Health

• Entry age: 18 years se le ke 65 years tak for the insured adult. Children dependent 91 days to 25 years. Star Health+1

✅ What is covered (Inclusions)

• Sickness Hospital Cash: illness ki wajah se hospitalisation hone par har complete hospitalised day ke liye fixed daily benefit milta hai. Star Health+1

• Accident Hospital Cash: accident ke case me daily benefit amount ka 150% tak payable hota hai (jaisa variant me likha hai) for the chosen number of days. Star Health+1

• ICU Hospital Cash: ICU admission hone par daily benefit amount ka 200% tak payable ho sakta hai. Star Health+1

• Convalescence Benefit (Enhanced Plan): Agar hospitalisation 5 consecutive days se zyada hoti hai, to ek extra day ka daily benefit milta hai as “convalescence hospital cash”. Star Health

• Child Birth Hospital Cash (Enhanced Plan): Female insured persons ke liye, policy start ke 2 years baad childbirth hospitalisation par benefit mil sakta hai. Star Health

• Worldwide Hospital Cash (Enhanced Plan): Agar insured kisi illness/injury ke karan India ke bahar hospitalised hai, to 200% daily benefit payable ho sakta hai. Star Health

• Day-Care Procedures: Specified list of day-care treatments (eg. cataract, hemodialysis, angiography, etc) cover hote hain upto 5 times per policy year. Star Health

✅ Why yeh useful hai

• Aksar hospitalisation hone par treatment costs ke alawa kayi chhote kharche aate hain — travel, lodging, attendant food, etc. Yeh plan unko cover karta hai. Star Health

• Fixed daily benefit hota hai – jise aap apne hisaab se use kar sakte hain — cash-flow ka stress kam ho jaata hai.

• Existing health insurance ke complement ke roop me kaam karta hai — health insurance medical cost cover karega, aur hospital cash plan incidental/daily cover dega.

• Family floater option hone se spouse + children ko bhi sath me cover kiya ja sakta hai — ek single policy me.

• Waiting periods aur pre-existing disease clauses moderate hain (lekin hain) — isliye early planning important hai.

📋 Eligibility, Terms & Policy Details

• Entry age adult: 18-65 years. Dependent children: 91 days – 25 years. Star Health+1

• Policy term: Choose 1/2/3 years term. Renewal possible annually. Star Health

• Sum insured concept yahaan thoda alag hai: Aap daily benefit amount aur number of days choosete hain — jisse total cover limit determine hota hai.

• Waiting period: Illness hospitalisation for first 30 days after policy start (except accident) may not be covered. Specified diseases/surgeries waiting 24 months etc. Pre-existing disease waiting 36 months (Basic) / 24 months (Enhanced) ho sakti hai. Star Health

• Claim settlement: Daily benefit payable upon completion of hospital stay as per policy terms. Documents: hospitalisation proof, discharge summary, claim form.

• Deductible: Basic Plan me ek day deductible applicable for sickness hospital cash. Enhanced plan me typically no deductible. Probus Insurance

✅ Example Scenario

Maan lijiye Mr. Verma, age 40, married, one dependent child. Unhone Hospital Cash Policy Basic Plan choose kiya hai — daily benefit ₹2,000, cover upto 60 days per policy year.

• Agar kisi illness ke karan unhe hospitalised hona padta hai 10 days ke liye — to unhe 10 × ₹2,000 = ₹20,000 cash benefit milega.

• Agar future me accident hota hai aur hospitalisation 8 days ka hota hai — to accident case me benefit 150% daily = ₹3,000 per day approx → 8 × ₹3,000 = ₹24,000.

• Agar ICU admission hoti hai 5 days ke liye — ICU benefit 200% daily = ₹4,000 per day → 5 × ₹4,000 = ₹20,000.

• In saare payouts ka use unhone hospital ke alawa travel, attendant cost, diet, income loss patch-up me kar sakte hain.
  Yeh plan unke existing health insurance ke alawa ek extra financial cushion hai.

⚠️ Limitations & Things to Note

• Yeh plan hospitalisation daily cash benefit deta hai, lekin treatment cost cover nahi karta jaise surgery, doctor fees etc — existing health insurance ya policy ke under wo alag se cover honge.

• Daily benefit amount aur days limit fix hoti hai — agar hospitalisation usse zyada ho jaaye ya room rent bahut high ho, aapko out-of-pocket expense badh sakta hai.

• Waiting periods aur pre-existing disease (PED) clause ka dhyan rakhein. Agar aap policy link ke turant baad hospitalisation karwate hain — first 30 days ya specified disease waiting me ho sakti hai claim reject.

• Premium aur benefit ka balance dekhna zaruri hai — high daily benefit & long day limit ke liye premium zyada hoga.

• Claim ke liye hospital stay complete day count, definitions important hain — “completed 24 hours stay” ya “admission to discharge” ka period policy me define hota hai.

• Family floater option me children/spouse cover ka clause samjhein — dependent children age upto 25 years etc.

• Day-care procedure cover limited hai (5 times per year) — agar aapka frequent day-care treatment hai to check karein detail clause.

🧠 Why Choose Yeh Plan?

• Agar aap already ek health insurance plan hold kar rahe hain jo major medical cost cover karta hai, lekin aapko hospitalisation ke din-din ke kharchon ka backup chahiye — to yeh plan sahi hai.

• Travel, attendant staying, food, diet, income loss — ye sab “hidden” costs hain hospitalisation ke dauran – yeh plan unko target karta hai.

• Family floater mode hone se spouse/children bhi sath me cover ho jaate hain — especially useful agar working family ho jisme spouse bhi employed hai.

• Moderate premium me extra layer of financial protection milta hai.

• Enhanced plan me added benefits (childbirth, worldwide cover, convalescence) milte hain — higher premium ke badle.

📝 Kuch Tips Aur Dhyan Dene Wali Batein

• Policy lene se pehle daily benefit amount aur max hospital cash days sahi select karein — apne hospitalisation risk ko dekh kar.

• Claim settlement se pehle daily benefit conditions padhein — ICU/accident/normal hospitalisation daily rate alag hote hain.

• Hospitalisation ke pehle ya turant admission ke baad insurer ko inform karein — claim process smooth hota hai.

• Hospital ka stay “completed day” definition check karein — admission & discharge same day hone par benefit may not milne ya pro-rata milne ka risk hota hai.

• Day-care treatment list aur limit (5 times per year) ko samjhein — bar-bar day-care hone wale patients ke liye ye limitation ho sakti hai.

• Family floater lene par spouse/children ke benefit aur age limits check karein — dependent children upto 25 years hain.

• Premium payment timely karein — policy lapse na ho, warna waiting period dubara apply ho sakta hai.

• Claim documents sahi tarah collect karein: discharge summary, hospitalisation certificate, doctor statement etc. Delay ya incomplete docs claim reject ka reason ho sakte hain.

🔍 Summary

Star Hospital Cash Insurance Policy ek supplementary/micro-level insurance solution hai jo aapke hospitalisation ke dauran non-medical incidental expenses ko cover karta hai — fixed daily cash benefit ke form me. Agar aap apne existing medical insurance cover ko “day to day hospital stay cost” layer se boost karna chahte hain, to ye plan sahi candidate hai.

Lekin yaad rakhein — ye plan major medical cost cover nahi karta (wo medical insurance ka kaam hai) — isliye budget, premium, daily benefit amount, hospitalisation risk aur cover duration ko properly evaluate karke decision lein.