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/Hospital Cash Benefit
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What is Hospital Cash Benefit in health insurance?
Gives you a fixed daily cash amount for every day you are in hospital - on top of your regular hospitalisation cover. Use this money for anything: food, travel, attendant charges, or to compensate for income lost while you were away from work.
HDFC ERGO
Optima Restore
Limited
The base plan pays no general daily cash. A separate Hospital daily cash rider can be bought, paying ₹1,000, ₹2,000 or ₹3,000 a day. The only daily cash inside the base plan is the amount paid when you choose a shared room instead of the room you are entitled to, which is a different benefit with its own conditions.
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Watch out
Neither document sets out the rider's terms: how many days it pays for, whether days in intensive care count, or what it costs. Ask for the rider wording before you add it.
HDFC ERGO
Optima Secure – Optima-Secure
Limited
There is no general daily cash in the base plan. You get a fixed amount for every day in hospital only if you buy the my: health Hospital Cash Benefit add-on, choosing a per-day amount from Rs. 500 to Rs. 10,000, paid for each continuous and completed 24 hours. The inbuilt Daily Cash for Shared Room is a different thing - it pays only when you choose shared accommodation.
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Watch out
The add-on has its own wording and its own UIN, so its exclusions and conditions are decided there, not in this policy.
Care Health
Care Advantage
Standard
Daily cash is an optional cover you buy. Once opted, you get the fixed amount named in your Policy Schedule, up to Rs. 10,000 a day in multiples of Rs. 1,000, for each completed 24 hours in hospital, and twice that for each 24 hours in ICU. It is capped at 30 days in a policy year, and what it pays reduces your Sum Insured for that year.
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Watch out
Only in-patient admissions count, so a day care procedure earns nothing, and a part day earns nothing either because payment is per completed 24 hours.
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