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  • Overview
  • Coverages
  • Add-ons/Key features
  • Terminologies
  • Claim Process
  • FAQs

What is Shri Hospital Daily Cash Benefit Insurance?

Shri Hospital Daily Cash Benefit Insurance policy is the health insurance benefit policy. It provides additional benefits to take care of the incidental expenses such as food, lodging and travelling which are not covered in the health insurance policy in an event of hospitalisation

  • Shri Hospital Daily Cash Benefit Insurance provides the policy holder with a daily benefit for every 24 hours of hospitalisation
  • The coverage commences after the first 24 hours of admission if the reason for hospitalisation does not fall under an exclusion in the policy
  • The cash benefit, depending on the plan, ranges from ₹ 500 per day to ₹ 5000 per day with an option to choose from 15 Days to 180 days
  • The policy can be taken by an individual for covering himself/herself and his/her family i.e. spouse, dependent children up to 25 years of age and dependent parents
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Why Choose Shri Hospital Daily Cash Benefit Insurance?

  • With Shriram General Insurance Company, you can easily purchase, renew and file a claim within minutes
  • Shri Hospital Daily Cash Benefit Insurance policy can be purchased instantly with minimal paperwork
  • Rapid claim resolution is ensured by our 24*7 claim support
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Features of Shri Hospital Daily Cash Benefit Insurance

Minimal Documentation

A quick application process with less paperwork

Tax-saving Benefits

Tax exemptions applicable Section 80D of the Income Tax Act

Quick Claim Settlement

A dedicated team of executives makes 24*7 claim support possible

Get your Shri Hospital Daily Cash Benefit Insurance in 3 Simple Steps

1

Call our Toll-Free number

  • Call (1800-300-3000/1800-103-3009) to avail a Shri Hospital Daily Cash Benefit Insurance policy at your convenience and you will be guided by our dedicated customer support executives throughout the Shri Hospital Daily Cash Benefit Insurance journey
2

Submit the required documents

  • Kindly submit the required documents – health records, medical bills, sum insured, identity and address proof (Aadhaar Card, Passport) to proceed with Shri Hospital Daily Cash Benefit Insurance
3

Complete the payment and get instant Shri Hospital Daily Cash Benefit Insurance

  • Kindly complete the payment by selecting the preferred payment method (Debit Card, Credit Card, Net Banking or Cheque) and get Shri Hospital Daily Cash Benefit Insurance instantly

Benefits of Shri Hospital Daily Cash Benefit Insurance

  • Easy application process with minimal paperwork
  • Tax-saving benefits under Section 80D of the Indian Income Tax Act
  • 24*7 claim support at your disposal

Frequently Asked Questions

How is Shri Hospital Daily Cash Benefit Insurance different from Health Insurance?

Health Insurance policy r eimburses inpatient hospital bills while Shri Hospital Daily Cash Benefit Insurance offers you fixed daily benefits, per 24 hours spent in the hospital. This insurance policy is aimed at covering the incidental expenses during hospitalisation which are normally not covered under health insurance. Shri Hospital Daily Cash Benefit Insurance is not a substitute for Health Insurance. Rather it acts as a supplement

  • What is Covered?
  • What is not Covered?

Sickness Daily Hospital Cash Benefit

During the policy period, if the insured person is admitted to the hospital with any disease or illness diagnosed by a qualified medical practitioner advising for surgery, then the insurance company will pay the Shri Hospital Daily Cash amount mentioned in the schedule for each consecutive 24 hours of hospitalisation subject to a maximum number of days stated in the schedule

Deductible: 1-day deductible is applicable on every hospitalisation

Accident Hospital Cash Benefit

During the policy period, if the insured person gets admitted to a hospital due to an accidental injury on the advice of a doctor for surgery, then the insurance company will pay 2 times of Shri Hospital Daily Cash amount mentioned in the schedule for each consecutive 24 hours of hospitalisation subject to a maximum number of days stated in the policy schedule

Deductible: Not Applicable

Intensive Care Unit (ICU) Benefit

During the policy period, if the insured person requires admission to ICU for the treatment of sickness/accident /injury, then the policy holder will receive 2.5 times of the Shri Hospital Daily Cash amount for each consecutive 24 hours, subject to maximum of 15 days per policy year

Deductible: 1-day deductible is applicable on every hospitalisation except accidental hospitalisation

Convalescence Benefit

If the insured person is hospitalised in India for the treatment of an illness/injury during the policy period and the continuation of such hospitalisation is medically necessary for at least 15 consecutive days, then the insurer will pay a lump sum amount equal to 5 times of the Shri Hospital Daily Cash Benefit amount specified in the policy schedule

For Individual Policy: This benefit is available only once during the policy tenure for per insured person

Deductible: Not Applicable

Child Birth Hospital Cash

During the policy period, if the insured person requires admission as an in-patient in any hospital in India for the purpose of child delivery, then the company will pay to the insured person Shri Hospital Daily Cash Benefit amount stated in the policy schedule subject to maximum number of days mentioned

Special Condition:

  • 1. The benefit under this cover is payable after a waiting period of 2 years from the date of addition of spouse in the policy subject to both self and spouse being covered

  • 2. This cover is available for a maximum of 2 children for a lifetime

Deductible: Not Applicable

Compassionate Benefit

If the insured person is hospitalised during the policy period due to an accidental injury and the insured person dies during the course of such hospitalisation, the policy holder’s nominee will receive a lump sum amount equal to 10 times of the Shri Hospital Daily Cash Benefit amount specified in the policy schedule. This benefit is payable in addition to the basic plan only if there is an admissible claim under the same policy

Deductible: Not Applicable

Plan Type Basic Plan Advance Plan

Plan Available in days

15/30/60/90/120/180

90/120/180

Per Day Benefit Limit(₹)

500/1000/2000/3000/4000/5000

500/1000/2000/3000/4000/5000

Coverage

Sickness Daily Hospital Cash Benefit

Yes

Yes

Accident Hospital Cash Benefit

Yes

Yes

Intensive Care Unit (ICU) Benefit:

Yes

Yes

Convalescence Benefit

No

Yes

Child Birth Hospital Cash

No

Yes

Compassionate Benefit

No

Yes

Optional Cover (subject to opt by insured) Day Care Treatment Benefit

Yes

Yes

01

Pre-existing diseases

02

Specified disease

03

Investigation & evaluation

04

Rest cure, rehabilitation and respite care

05

Obesity/Weight contro

06

Cosmetic or plastic surgery

07

Hazardous or adventure sports

08

Breach of law

Frequently Asked Questions

What is the deductible under the policy?

An excess payment equivalent to the first 24 hours of hospitalisation benefit will be applicable on each and every hospitalisation during the policy period except for accidental cases

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Day Care Treatment Benefit

If the Insured Person requires and avails a Medically Necessary Day Care Treatment (as defined under Annexure II below) during the Policy Period, We will pay a lump sum benefit amount which is the lower of 5 times the Daily Cash Benefit specified in the Policy Schedule or Rs.25,000 to the Insured Person for such Day Care Treatment provided the Insured Person is admitted in the Hospital for less than 24 hours.

The benefit under this Section shall be available for a maximum of 1 Day Care Treatments per Policy Year. In case of Cataract, coverage is limited to 1 surgery in a Policy year.

Key Features of Shri Hospital Daily Cash Benefit Insurance

Cost-Effective Policy

  • Most affordable health insurance policy with a cashless treatment facility

Lifelong Renewability

  • Shri Hospital Daily Cash Benefit Insurance policy renewal is simple and quick

Flexible Policy Tenure

  • The policy tenure is 1 to 3 years depending on the policy holder’s preference

Cash Benefits

  • From ₹ 500 to ₹ 5,000, one can opt as the sum insured

Claim Settlement

  • A dedicated claim support representatives ensures instant claim settlements

Frequently Asked Questions

What tax advantages are available with this plan?

The policy holder can get tax benefits under Section 80D of the Income Tax Act

Pre-existing Diseases

  • Any condition, aliment, injury or relative condition(s), for which the insured had signs or symptoms and/or diagnosed and received medical advice/treatment prior to the inception of the policy
  • Pre-existing diseases are covered after 48 months, if declared at the time of application and accepted by the insurer

Frequently Asked Questions

Is a free-look option available in this policy?

Yes, it is available. One can avail the free-look option within 15 days from the date of policy purchase. But it is not available during the policy renewal

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Shriram General Insurance’s claim intimation process is easy and hassle-free. Intimate a claim, submit the required documents and get a timely claim settlement

Get your Shri Hospital Daily Cash Benefit Insurance Claim in 3 Simple Steps

  • step 1
  • step 2
  • step 3

Intimate your Claim

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)

Submission of Required Documents

Please provide the REQUIRED DOCUMENTS mentioned to proceed further

Verification and Claim Settlement

After receiving the documents, our dedicated verification team will initiate the process. Once the evaluation is done, the funds will be sent to the recipient directly

Frequently Asked Questions

What documents are required for the claim process?

  • a. Duly completed claim form
  • b. Discharge summary from the hospital
  • c. Primary hospital bill with break-up details
  • d. Aadhaar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in the previous claim)
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Is pre-policy acceptance health check-up mandatory under this policy?

Pre-policy acceptance health check-up is not mandatory for people who are less than 45 years

Is day care treatment covered?

Yes, it is covered for the following diseases

  • Cataract
  • Lithotripsy/Nephrolithotomy for renal calculus
  • Coronary angiography
  • Haemodialysis
  • Parenteral chemotherapy
  • Manipulation of dislocation under GA
  • Radiotherapy
  • Cystoscopy under GA
  • Therapeutic curettage
  • Surgery for ligament tear

Will Shri Hospital Daily Cash Benefit Insurance cover maternity?

  • Yes, Shri Hospital Daily Cash Benefit Insurance covers childbirth/hospitalisation due to maternity
  • The benefit under this cover is payable after a waiting period of 2 years from the date of addition of spouse in the policy subject to both self and spouse being covered
  • This cover is available for a maximum of 2 children for a lifetime

What plan options are available under this policy?

Plan Type Basic Plan Advance Plan

Plan Available in days

15/30/60/90/120/180

90/120/180

Per Day Benefit Limit(₹)

500/1000/2000/3000/4000/5000

500/1000/2000/3000/4000/5000

Coverage

Sickness Daily Hospital Cash Benefit

Yes

Yes

Accident Hospital Cash Benefit

Yes

Yes

Intensive Care Unit (ICU) Benefit:

Yes

Yes

Convalescence Benefit

No

Yes

Child Birth Hospital Cash

No

Yes

Compassionate Benefit

No

Yes

Optional Cover (subject to opt by insured) Day Care Treatment Benefit

Yes

Yes

How to register Shri Hospital Daily Cash Benefit Insurance claim?

Intimate a claim via our Toll-Free number 1800-300-30000/1800-103-3009 or Please download the CLAIM INTIMATION, fill it out and send it to our Help Desk via Email ID (chd@shriramgi.com)

Who can buy this policy?

Anyone in the age group of 18-65 years can buy this policy. Children can be covered from 91 days along with family members

How do I renew my policy?

Call Shriram General Insurance Toll-Free number 1800-300-30000/1800-103-3009 for Shri Hospital Daily Cash Benefit insurance policy renewal

What our customers say ?

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Kishore kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

Rajesh kumar says,

Thank you for your service. Shriram General Insurance offers great customer service. Quick and hassle free claim process by SGI made my life easy during the difficult period.

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