{"uin":"BAJHLIP23078V032223","name":"Hospital Cash Daily Allowance","url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223","insurer":{"slug":"bajaj-general-insurance","name":"Bajaj General Insurance Limited","url":"https://indiainsurances.com/insurer/bajaj-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":"Revision","kind":"product","status":"active","approved_on":"2020-08-31","withdrawn_on":null,"summary":"Hospital Cash Daily Allowance pays a fixed daily allowance for each completed 24 hours in hospital in India, and two times the allowance for up to 7 days in ICU, for people aged 3 months to 65 years, with daily amounts of Rs 500 to 2,500 in the brochure. Waiting periods are 30 days for illness, 12 months for listed conditions (the CIS says 24) and 36 months for pre-existing diseases, with policy terms of 1, 2 or 3 years.","analysis":{"state":"extracted","analysed_at":"2026-10-16 08:29:38.67102+00","note":"Every stated fact carries a verbatim quote found in the cited clause."},"facts":[{"key":"plan_variants","label":"Plans and variants","section":"Overview","meaning":"The named plans inside this product (not cover types or payout options). Facts can differ between them.","status":"not-stated","value":null,"display":null,"note":"The brochure premium charts show sum insured options A to D (Rs 500, 1,000, 2,000 and 2,500 per day) and 30-day or 60-day cover per policy period; these are cover options, not named plans.","quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"cross-checked","value":"1 year, 2 years or 3 years.","display":"1, 2 or 3 years","note":"Long term discount: 4% for 2 years, 8% for 3 years, not applicable if premium is paid in instalments.","quote":"Tenure of Policy: 1 year, 2 years or 3 years ... 4 % discount is applicable if policy is opted for 2 years ... 8 % discount is applicable if policy is opted for 3 years This is not applicable if premium is paid in instalments","sources":[{"clause":"Section C","heading":"COVERAGE","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-c"},{"clause":"17(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17-b-2"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"cross-checked","value":"Inform the insurer in writing within 48 hours of an emergency hospitalisation, or 48 hours before a planned hospitalisation.","display":"Within 48 hours of emergency admission; 48 hours before planned admission","note":"Clause 13(a) of the same wording says written notification 'immediately and in any event within 14 days'. Documents due within 30 days of discharge. Waiver may be considered in extreme hardship.","quote":"You or someone claiming on Your behalf must inform Us in writing immediately with 48 hours of hospitalization in case emergency hospitalization & 48 hours prior to hospitalization in case of planned hospitalization.","sources":[{"clause":"Section E(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-e-a"},{"clause":"13(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-13-a"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 20, 21","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_documents","label":"Claim documents","section":"Claims","meaning":"Documents the insurer asks for when you claim.","status":"cross-checked","value":["Claim Form duly signed by the insured","Copy of Discharge Summary / Discharge Certificate","Copy of Final Hospital Bill","Aadhar card & PAN card Copies"],"display":"Signed claim form, discharge summary, final hospital bill, Aadhar and PAN copies","note":"Aadhar and PAN not needed if already linked with the policy. Documents within 30 days of discharge; post mortem report (if any) in case of death. Brochure also mentions copies of reports, bills and prescriptions.","quote":"Claim Form duly signed by the insured. Copy of Discharge Summary / Discharge Certificate. ... iii. Copy of Final Hospital Bill ... iv. Aadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim) ... within 30 days of discharge from a Hospital give Us the documentation ... a copy of the post mortem report (if any) within 30 days","sources":[{"clause":"Section E(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-e-i-2"},{"clause":"Section E(e)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-e-e"},{"clause":"Section E(f)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-e-f"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"cross-checked","value":"Settled or rejected within 15 days from receipt of the last necessary document; interest at 2% above bank rate for delay.","display":"15 days from the last necessary document","note":"If investigated, investigation within 30 days, settlement still within 15 days of the last document. CIS says '15 Working Days'.","quote":"The Company shall settle or reject a claim, as the case may be, within 15 days from the date of receipt of last necessary document. ... the Company shall be liable to pay interest to the policyholder from the date of receipt of last necessary document to the date of payment of claim at a rate 2% above the bank rate. ... in any case not later than 30 days from the date of receipt of last necessary document ... Turnaround time (TAT) for claim settlement: 15 Working Days","sources":[{"clause":"5(i)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-5-i"},{"clause":"5(ii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-5-ii"},{"clause":"5(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-5-iii"},{"clause":"2","heading":"Two times the Daily Allowance for each continuous and completed period","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/281#c-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64UM(4) to (6)","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 10","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 15","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 16","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(i), V.3(ii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 23","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"The Motor Vehicles Act, 1988: Chapter XI, insurance of motor vehicles against third party risks","section":"Section 149","url":"https://indiainsurances.com/law/motor-vehicles-act-1988"}]},{"key":"exclusions_main","label":"Main exclusions","section":"Exclusions","meaning":"What the policy does not pay for, in the policy's own words.","status":"cross-checked","value":["Pre-existing diseases until 36 months of continuous coverage","Listed conditions and surgeries until 12 months of continuous coverage (not for accidents)","Any illness within 30 days from the first policy commencement, except accidents","Admission primarily for diagnostics and evaluation","Admission primarily for enforced bed rest, custodial care","Cosmetic or plastic surgery unless reconstruction after accident, burns or cancer","Alcoholism, drug or substance abuse","Sterility and infertility","Maternity: childbirth, miscarriage, termination of pregnancy","War, invasion, civil war and similar perils","Intentional self-injury","Any treatment received outside India","Cosmetic dental treatment unless due to accidental injury","Medical expenses where inpatient care is not warranted"],"display":"Waiting periods (36 months PED, 12 months listed conditions, first 30 days), standard exclusions and the policy's own exclusions","note":"Act of Terrorism is covered. The CIS gives the listed-conditions waiting period as 24 months; the wording says 12 months.","quote":"pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage ... listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage ... This exclusion shall not be applicable for claims arising due to an accident. ... Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Custodial care ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Treatment for Alcoholism, drug or substance abuse ... Expenses related to sterility and infertility. ... Medical Treatment Expenses traceable to childbirth ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy ... Any dental treatment that comprises of cosmetic surgery ... unless as a result of Accidental Bodily Injury ... Medical expenses where Inpatient care is not warranted ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war ... Intentional self-injury ... Any treatment received outside India is not covered under this Policy. ... Any Medical expenses incurred due to Act of Terrorism will be covered under the Policy.","sources":[{"clause":"1","heading":"Pre-existing Diseases waiting period (Excl01)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-1-3"},{"clause":"2","heading":"Specified disease/procedure waiting period (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-3"},{"clause":"2(c)(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-c-i"},{"clause":"2(c)(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-c-ii"},{"clause":"2(c)(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-c-iv"},{"clause":"Section D","heading":"EXCLUSIONS UNDER THE POLICY - GENERAL EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-d-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"cross-checked","value":"First contact the toll-free number 1-800-209- 5858, a branch, the website or e-mail careforyou@bajajgeneral.com (seniorcitizen@bajajgeneral.com for senior citizens); then the Grievance Redressal Officer at ggro@bajajgeneral.com; then the Insurance Ombudsman.","display":"careforyou@bajajgeneral.com, then GRO at ggro@bajajgeneral.com","note":"Level 3: missed call on +91 80809 45060 or SMS to 575758. WhatsApp +91 7507245858.","quote":"Our toll-free number 1-800-209- 5858 or 020-30305858 ... Branches for resolution of your grievances / complaints ... Register your grievances / complaints on our website ... a) Level 1: Write to careforyou@bajajgeneral.com and for senior citizens to seniorcitizen@bajajgeneral.com ... b) Level 2: In case you are not satisfied with the response given to you at Level 1 you may write to our Grievance Redressal Officer at ggro@bajajgeneral.com ... please give a missed call on +91 80809 45060 OR SMS To 575758 ... you may approach the Insurance Ombudsman","sources":[{"clause":"17","heading":"Grievance Redressal Procedure","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17-2"},{"clause":"17(a)","heading":"Level 1","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17-a"},{"clause":"17(b)","heading":"Level 2","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17-b"},{"clause":"17(c)","heading":"Level 3","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17-c"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"cross-checked","value":"Rs 500, 1,000, 2,000 or 2,500 per day.","display":"Rs 500, 1,000, 2,000 or 2,500 per day","note":"From the sales brochure. The policy wording says the Daily Allowance is 'the amount and period specified in the schedule'.","quote":"Sum Insured options available are ... Rs 500 per day | • Rs 2000 per day ... Rs 1000 per day | • Rs 2500 per day","sources":[{"clause":null,"heading":"Bajaj General HOSPITAL CASH DAILY ALLOWANCE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282#c-bajaj-general-hospital-cash-daily-allowance"}],"law":[]},{"key":"initial_waiting","label":"Initial waiting period","section":"Waiting periods","meaning":"Days from the start of the first policy during which illness claims are not paid (accidents usually are).","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"Does not apply if the insured has continuous coverage for more than twelve months.","quote":"Expenses related to the treatment of any illness within 30 days from the first Policy commencement date shall be excluded except claims arising due to an accident ... This exclusion shall not, however apply if the Insured has Continuous Coverage for more than twelve months.","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-3"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"cross-checked","value":{"unit":"months","amount":36},"display":"36 months","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first Hospital Cash Daily Allowance Policy with us.","sources":[{"clause":"1","heading":"Pre-existing Diseases waiting period (Excl01)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-1-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"conflicting","value":{"unit":"months","amount":12},"display":"12 months","note":"CIS says: 'Specific Waiting period: 24 months for below listed procedures'. The policy wording and the brochure print 12 months, and the CIS says the policy document prevails in a conflict. Not applicable to accident claims.","quote":"Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 12 months of continuous coverage after the date of inception of the first Hospital Cash Daily Allowance Policy with Us. This exclusion shall not be applicable for claims arising due to an accident. ... Specific Waiting period: 24 months for below listed procedures","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-3"},{"clause":"2","heading":"Two times the Daily Allowance for each continuous and completed period","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/281#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting_list","label":"Illnesses with a specific waiting period","section":"Waiting periods","meaning":"The named illnesses and procedures that carry the specific waiting period.","status":"cross-checked","value":["Treatment of cataracts","Haemorrhoids","Benign Prostatic Hypertrophy","Fissure in ano","Hysterectomy","Stones in the Urinary and Biliary systems","Menorrhagia","Surgery on ears","Fibromyoma","Tonsils or Sinuses","D&C","Skin and all internal tumours/cysts/nodules/polyps of any kind including breast lumps","Endometriosis","Gastric or Duodenal ulcer","Hernia of all types","Backache","Hydrocele","Prolapsed Intervertebral disc","Fistulae"],"display":"Cataracts, haemorrhoids, benign prostatic hypertrophy, hysterectomy, urinary and biliary stones, hernia, backache, prolapsed intervertebral disc, tumours and cysts, and others","note":null,"quote":"1. Treatment of cataracts | 2. Haemorrhoids\n3. Benign Prostatic Hypertrophy | 4. Fissure in ano\n5. Hysterectomy | 6. Stones in the Urinary and Biliary systems\n7. Menorrhagia | 8. Surgery on ears\n9. Fibromyoma | 10. Tonsils or Sinuses\n11. D&C | 12. Skin and all internal tumours/cysts/nodules/polyps of any kind including breast lumps\n13. Endometriosis | 14. Gastric or Duodenal ulcer\n15. Hernia of all types | 16. Backache\n17. Hydrocele | 18. Prolapsed Intervertebral disc\n19. Fistulae","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-3"}],"law":[]},{"key":"moratorium","label":"Moratorium period","section":"Renewal and rights","meaning":"After this many months of continuous cover, the insurer cannot reject a claim for non-disclosure, except for proven fraud or permanent exclusions. The law sets 60 months.","status":"cross-checked","value":{"unit":"months","amount":60},"display":"60 months","note":"Applies afresh from the date of enhancement on enhanced sums insured.","quote":"After completion of sixty continuous months of coverage (including portability and migration) no look back would be applied. This period of sixty months is called as moratorium period.","sources":[{"clause":"3","heading":"Moratorium Period","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-3-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"cross-checked","value":"Yes. The whole policy can be ported to another insurer by applying at least 30 days, but not earlier than 60 days, before renewal, with continuity benefits in waiting periods.","display":"Yes, apply 30 to 60 days before renewal","note":"Migration to other products of the insurer also allowed, applying at least 30 days before renewal.","quote":"The Insured beneficiary will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date ... the proposed. Insured beneficiary will get the accrued continuity benefits in waiting periods as per IRDAI guidelines on portability. ... The Insured beneficiary will have the option to migrate the policy to other health insurance products/plans offered by the company by applying for migration of the policy atleast 30 days before the policy renewal date","sources":[{"clause":"11","heading":"Portability","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-11-2"},{"clause":"12","heading":"Migration","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-12-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"cross-checked","value":true,"display":"Yes","note":"From the sales brochure. The wording says the policy 'shall be renewable except on grounds of established fraud or non-disclosure or misrepresentation' and prints no maximum renewal age.","quote":"lifetime renewal benefit is available under the policy except on the ... grounds of fraud, misrepresentation or moral hazard.","sources":[{"clause":null,"heading":"Bajaj General HOSPITAL CASH DAILY ALLOWANCE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282#c-bajaj-general-hospital-cash-daily-allowance"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"cross-checked","value":"No. Renewal loadings are at portfolio level, not based on an individual policy's claim experience.","display":"No, loadings only at portfolio level","note":"A discount may be given for good claims experience. Renewal is not denied because of claims.","quote":"For this policy, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience.","sources":[{"clause":"7(iv)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-7-iv"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"cross-checked","value":["Investigation & Evaluation (Excl04)","Rest Cure, rehabilitation and respite care (Excl05)","Obesity/Weight Control (Excl06)","Change-of-gender treatments (Excl07)","Cosmetic or plastic Surgery (Excl08)","Breach of law (Excl10)","Excluded Providers (Excl11)","Alcoholism, drug or substance abuse (Excl12)","Health hydros, nature cure clinics, spas (Excl13)","Dietary supplements (Excl14)","Refractive Error less than 7.5 dioptres (Excl15)","Unproven Treatments (Excl16)","Sterility and Infertility (Excl17)","Maternity (Excl 18)","Cosmetic dental treatment unless due to accidental injury","Medical expenses where inpatient care is not warranted","War, invasion, civil war and similar perils","Spectacles, contact lenses, hearing aids and other external appliances","External medical equipment used at home","Congenital external diseases, growth hormone therapy, stem cell implantation","Intentional self-injury","Vaccination or inoculation","All non-medical Items as per Annexure II","Any treatment received outside India","Circumcision unless required for treatment","Treatment under systems other than allopathy and AYUSH"],"display":"Standard exclusions Excl04 to Excl08 and Excl10 to Excl17, maternity, and the product's own exclusions","note":"No Excl09 is printed. Act of terrorism is covered. Annexure II (non-medical items) is referred to but not in the documents.","quote":"Investigation & Evaluation (Excl04) ... Rest Cure, rehabilitation and respite care- (Excl05) ... Obesity/Weight Control (Excl06) ... Change-of-gender treatments (Excl07) ... Cosmetic or plastic Surgery (Excl08) ... Breach of law (Excl10) ... Excluded Providers (Excl11) ... Treatment for Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. (Excl12) ... Treatments received in heath hydros, nature cure clinics, spas ... (Excl13) ... Dietary supplements ... (Excl14) ... Refractive Error (Excl15) Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres. ... Unproven Treatments (Excl16) ... Sterility and Infertility (Excl17) ... Maternity (Excl 18): ... Medical Treatment Expenses traceable to childbirth ... Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy ... Any dental treatment that comprises of cosmetic surgery ... unless as a result of Accidental Bodily Injury ... Medical expenses where Inpatient care is not warranted ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war ... The cost of spectacles, contact lenses, hearing aids ... External medical equipment of any kind used at home ... Congenital external diseases or defects or anomalies, growth hormone therapy, stem cell implantation ... Intentional self-injury ... Vaccination or inoculation ... All non-medical Items as per Annexure II ... Any treatment received outside India is not covered under this Policy. ... Circumcision unless required for the treatment of Illness ... Treatment for any other system other than modern medicine (allopathy) and AYUSH therapies","sources":[{"clause":"2","heading":"Specified disease/procedure waiting period (Excl02)","page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-3"},{"clause":"2(c)(ii)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-c-ii"},{"clause":"2(c)(iv)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-2-c-iv"},{"clause":"Section D","heading":"EXCLUSIONS UNDER THE POLICY - GENERAL EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-d-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"cross-checked","value":"With 7 days' written notice: pro-rata refund for the unexpired period if no claim was made in the policy year; on multi-year policies, years not yet started are refunded in full. Medical examination costs are deducted if risk has commenced.","display":"Pro-rata refund if no claim made","note":"Instalment premium: pro-rata if no claim in the policy year. No refund if the insurer cancels for misrepresentation, non-disclosure or fraud. Delay beyond 7 days carries interest at 2% above bank rate.","quote":"The Policyholder can cancel this Policy by providing a written notice of 7 days. ... Annual Policy: The premium refund for the unexpired risk period will be on a pro-rata basis, provided no claim has been made during the policy year. ... For any policy year where the risk date has not yet started, the premium will be refunded without any deduction. ... expenses incurred by the Company on medical examination of the Policyholder will also be deducted before refunding of premium. ... There will be no refund of premium for cancellations on these grounds. ... In case of any delay in refund of premium beyond stipulated 7 days, the Company shall refund such amounts along with interest, at a rate 2% above the bank rate","sources":[{"clause":"16","heading":"Cancellation","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-16-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"cross-checked","value":"India only.","display":"India only","note":"Treatment received outside India is excluded.","quote":"This Policy covers an insured event arising, occurring and/or manifesting itself only in India","sources":[{"clause":"12","heading":"Territorial Limits","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-12-3"},{"clause":"Section D","heading":"EXCLUSIONS UNDER THE POLICY - GENERAL EXCLUSIONS","page":6,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-d-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"New individual policies only, not renewals or porting. Refund less medical examination and stamp duty costs, or proportionate risk premium. CIS counts 30 days 'from the first inception of policy'.","quote":"The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy. The insured person shall be allowed free look period of Thirty days from date of receipt of the policy document ... cancelling his/her policy up to 30 days from the first inception of policy with Us","sources":[{"clause":"14","heading":"Free Look Period","page":8,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-14-2"},{"clause":"2","heading":"Two times the Daily Allowance for each continuous and completed period","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/281#c-2"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"cross-checked","value":{"unit":"days","amount":30},"display":"30 days","note":"15 days where premium is paid in monthly instalments, per the instalment clause.","quote":"We shall condone a delay in renewal up to the Grace Period (30 days) from the due date of renewal without considering such condonation as a Break in Policy. ... The grace period of fifteen days (where premium is paid on a monthly instalments) and thirty days (where premium is paid in quarterly/half-yearly/annual instalments)","sources":[{"clause":"7(iii)","heading":null,"page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-7-iii"},{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-4-3"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 50","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 9","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 8","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule I, Para 1.2","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.3","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"eligibility_entry_age","label":"Entry age","section":"Eligibility","meaning":"The youngest and oldest age at which you can buy this policy.","status":"cross-checked","value":"From 3 months to 65 years.","display":"3 months to 65 years","note":"Brochure: adults 18 yrs to 65 yrs, dependent children 3 months to 21 yrs.","quote":"has attained the age of 3 months and is not older than 65 years of age at the commencement of the Policy Period.","sources":[{"clause":"6","heading":"Named Insured/ Insured","page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-6-2"},{"clause":null,"heading":"Bajaj General HOSPITAL CASH DAILY ALLOWANCE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282#c-bajaj-general-hospital-cash-daily-allowance"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"cross-checked","value":["Annual (for long term polices only)","Half Yearly","Quarterly","Monthly"],"display":"Annual, half-yearly, quarterly or monthly","note":"Single payment at inception for the full tenure is also referred to in the cancellation clause.","quote":"Payment of Premium on an instalment basis i.e. Annual (for long term polices only), Half Yearly, Quarterly or Monthly","sources":[{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-4-3"}],"law":[]},{"key":"optional_covers","label":"Optional covers","section":"Cover","meaning":"Covers you can add for an extra premium. They change the answers above only if you buy them.","status":"not-stated","value":null,"display":null,"note":"No optional covers are mentioned in the documents.","quote":null,"sources":[],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"cross-checked","value":"Only for instalment premiums: if the premium is paid in instalments during the policy period, cover continues during the grace period. Otherwise cover need not be available during the grace period.","display":"Covered only when premium is paid in instalments","note":"Brochure says 'Coverage is not available during the grace period' at renewal.","quote":"Coverage need not be available during the period for which no premium is received. ... If the premium is paid in instalments during the policy period, coverage will be available for the grace period also.","sources":[{"clause":"17","heading":"Grace Period","page":2,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-17"},{"clause":"4","heading":"Premium Payment in Instalments (Wherever applicable)","page":7,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-4-3"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"cross-checked","value":"The chosen daily allowance: Rs 500, 1,000, 2,000 or 2,500 per day; twice the daily allowance for each day in ICU.","display":"Rs 500 to 2,500 per day; double in ICU","note":"Amount options from the sales brochure; the wording points to the schedule.","quote":"Two times the Daily Allowance for each continuous and completed period of 24 hours required to be spent by the Insured or Named Insured in the Intensive Care Unit ... Rs 500 per day | • Rs 2000 per day ... Rs 1000 per day | • Rs 2500 per day","sources":[{"clause":"Section C(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-c-b"},{"clause":null,"heading":"Bajaj General HOSPITAL CASH DAILY ALLOWANCE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282#c-bajaj-general-hospital-cash-daily-allowance"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"cross-checked","value":"30 days or 60 days per policy period, as chosen; ICU double allowance for a maximum of 7 days per hospitalisation.","display":"30 or 60 days per policy period; ICU up to 7 days per admission","note":"30 and 60 day options from the sales brochure; the wording says the period is specified in the schedule.","quote":"Cover is available for 30 days and 60 days per policy period. ... for a maximum period of 7 days for each hospitalisation.","sources":[{"clause":null,"heading":"Bajaj General HOSPITAL CASH DAILY ALLOWANCE","page":1,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282#c-bajaj-general-hospital-cash-daily-allowance"},{"clause":"Section C(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-c-b"}],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"cross-checked","value":"24 hours. A stay of at least 12 hours that includes 0300 hours counts as a full 24-hour period.","display":"24 hours (12 hours if it includes 0300 hours)","note":null,"quote":"The Daily Allowance for each continuous and completed period of 24 hours of Hospitalisation ... A continuous and completed period of less than 24 hours of Hospitalisation consequent upon an insured event shall be deemed to be a continuous and completed period of 24 hours if such period extends to at least 12 hours and also includes 0300 hours.","sources":[{"clause":"Section C(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-c-a"},{"clause":"Section E","heading":"CONDITIONS – SPECIFIC TERMS AND CLAUSES","page":9,"url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280#c-section-e-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospital Cash Daily Allowance Policy Wordings","pages":10,"fetched_at":"2026-10-16 08:29:38.494753+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-PW/Hospital-Cash_PW.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/280"},{"kind":"cis","label":"Hospital Cash Daily Allowance Customer Information Sheet","pages":5,"fetched_at":"2026-10-16 08:29:38.494753+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/Health-CIS/Hospital-Cash-Daily-Allowance_CIS.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/281"},{"kind":"brochure","label":"Hospital Cash Daily Allowance Brochure","pages":8,"fetched_at":"2026-10-16 08:29:38.494753+00","source_url":"https://www.bajajgeneralinsurance.com/download-documents/health-insurance/hospital-cash-daily-allowance/Hospitalcash_brochure.pdf","url":"https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223/document/282"}],"versions":[{"uin":"BAJHLIP21115V022021","version":null,"approved_on":null},{"uin":"BAJHLIP23078V032223","version":null,"approved_on":null}],"where_to_buy":[],"claims_and_complaints":[],"notice":"Information, not advice. IndiaInsurances is not an insurer or an insurance intermediary, does not sell insurance and earns no commission. Policy terms change and your own policy schedule can differ: always confirm with the policy document and the insurer before you buy or claim.","cite_as":"Hospital Cash Daily Allowance (UIN BAJHLIP23078V032223), IndiaInsurances, https://indiainsurances.com/policy/bajaj-general-insurance/hospital-cash-daily-allowance-bajhlip23078v032223"}