{"uin":"GCIHLIP22105V022122","name":"Hospicash","url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122","insurer":{"slug":"generali-central-insurance","name":"Generali Central Insurance Company Limited","url":"https://indiainsurances.com/insurer/generali-central-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":null,"withdrawn_on":null,"summary":"Hospicash is a benefit health policy that pays fixed hospital cash for each completed 24 hours of hospitalisation, with plan daily benefits of Rs. 500, Rs. 1000, Rs. 2000 or Rs. 3000. It offers policy terms up to 1 year, entry from 6 months to 65 years and lifelong renewability.","analysis":{"state":"machine","analysed_at":"2026-10-19 19:58:32.647432+00","note":"First pass: one AI reading; every stated fact carries a verbatim quote found in the cited clause, but it has not been reviewed. Check the clause before relying on it."},"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":"quote-verified","value":["Plan A","Plan B","Plan C","Plan D"],"display":"Plans A, B, C and D","note":null,"quote":"Plans A, B, C, D can be offered for different options 30 days / 60 days / 90 days / 180 days\nBenefits | Plans\nA | B | C | D","sources":[{"clause":null,"heading":"Plan Benefit Structure","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5796#c-plan-benefit-structure"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"The maximum policy term is 1 year.","display":"Max Policy Term: 1 year","note":null,"quote":"Max Policy Term | 1 year\nMin Age at entry | 6 months\nMax age at entry | 65 years\nRenewal | Lifelong","sources":[{"clause":"6","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5796#c-6"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You or someone claiming on your behalf must inform the insurer in writing immediately and within 48 hours of the illness or bodily injury. In the event of death, the nominee must inform the insurer immediately and send the post mortem report, if any, within 14 days.","display":"Immediately and within 48 hours of illness or bodily injury; death claims immediately, with post mortem report within 14 days","note":null,"quote":"a) You or someone claiming on your behalf must inform Us in writing immediately, and in any event within 48 hours of the aforesaid Illness or Bodily injury. ... e) In the event of the death of the insured person, nominee claiming on his/ her behalf must inform Us in writing immediately and send Us a copy of the post mortem report (if any) within 14 days.","sources":[{"clause":null,"heading":"II. Specific Terms and clauses","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-ii-specific-terms-and-clauses"}],"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":"quote-verified","value":["written details of the quantum of any claim along with certified copies of discharge card, hospital bill and receipt","other information if We ask for","copy of the post mortem report (if any)","Completely filled Hospicash Claim form (original)","Discharge certificate/ card from Hospital (photocopy)","Final Hospital bill with receipt (photocopy)"],"display":"Claim form, discharge certificate/card, final hospital bill with receipt; written claim details and other information if asked; post mortem report if death","note":null,"quote":"d) You or someone claiming on Your behalf must promptly and in any event within 30 days of discharge from a Hospital give Us the documentation (written details of the quantum of any claim along with certified copies of discharge card, hospital bill and receipt) and other information if We ask for, to investigate the claim or Our obligation to make payment for it. ... e) In the event of the death of the insured person, nominee claiming on his/ her behalf must inform Us in writing immediately and send Us a copy of the post mortem report (if any) within 14 days. ... f) Mandatory documents required to process claim are:\n• Completely filled Hospicash Claim form (original)\n• Discharge certificate/ card from Hospital (photocopy)\n• Final Hospital bill with receipt (photocopy)","sources":[{"clause":null,"heading":"II. Specific Terms and clauses","page":12,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-ii-specific-terms-and-clauses"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":["Benefits will not be available for Any condition, ailment or Injury or related condition(s) for which You have been diagnosed, received medical treatment, had signs and/or symptoms, prior to inception of Your first Policy, until 36 consecutive months have elapsed","any Hospitalisation during the first consecutive 24 months during which You have the benefit of a Health Insurance Policy with Us in connection with cataracts, benign prostatic hypertrophy, hernia of all types, hydrocele, all types of sinuses, fistulae, hemorrhoids, fissure in ano","any Hospitalisation during the first 12 months during which You have the benefit of a Health Insurance Policy with Us in connection with any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears/ tonsils/ adenoids","Hospitalisation during the first consecutive 36 months during which You have the benefit of the Policy with Us in connection with joint replacement Surgery due to degenerative condition, Age related osteoarthritis and Osteoporosis","Hospitalisation for any Illness diagnosed or diagnosable within 30 days (1 month), of the commencement of the Policy Period except those incurred as a result of accidental bodily Injury","Investigation & Evaluation- Code- Excl04","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Maternity : Code Excl18","Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations","Dental Treatment or Surgery of any kind unless requiring Hospitalisation as a result of accidental bodily Injury","Any Hospitalisation received out of India"],"display":"Waiting-period exclusions, standard exclusions including investigation, change of gender, cosmetic surgery, hazardous sports, substance abuse and maternity, and specific exclusions including war, dental treatment unless accident hospitalisation, and hospitalisation outside India","note":null,"quote":"Benefits will not be available for Any condition, ailment or Injury or related condition(s) for which You have been diagnosed, received medical treatment, had signs and/or symptoms, prior to inception of Your first Policy, until 36 consecutive months have elapsed ... any Hospitalisation during the first consecutive 24 months during which You have the benefit of a Health Insurance Policy with Us in connection with cataracts, benign prostatic hypertrophy, hernia of all types, hydrocele, all types of sinuses, fistulae, hemorrhoids, fissure in ano ... any Hospitalisation during the first 12 months during which You have the benefit of a Health Insurance Policy with Us in connection with any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears/ tonsils/ adenoids. ... Hospitalisation during the first consecutive 36 months during which You have the benefit of the Policy with Us in connection with joint replacement Surgery due to degenerative condition, Age related osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury. ... Hospitalisation for any Illness diagnosed or diagnosable within 30 days (1 month), of the commencement of the Policy Period except those incurred as a result of accidental bodily Injury. ... a) Investigation & Evaluation- Code- Excl04 ... b) Change-of-Gender treatments: Code- Excl07 ... c) Cosmetic or Plastic Surgery: Code- Excl08 ... d) Hazardous or Adventure sports: Code- Excl09 ... e) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... j) Maternity : Code Excl18 ... k) Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not). ... n) Dental Treatment or Surgery of any kind unless requiring Hospitalisation as a result of accidental bodily Injury. ... x) Any Hospitalisation received out of India.","sources":[{"clause":"2(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-i"},{"clause":"2(II)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-ii"},{"clause":"2(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii"}],"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":"quote-verified","value":"For grievances, contact the company through its website, toll-free numbers, email, courier to the Grievance Redressal Cell, or any branch. If not satisfied, contact the grievance officer at GCIGRO@generalicentral.com or 7900197777 before approaching the Insurance Ombudsman.","display":"Company website/toll-free/email/courier/branch first; then grievance officer GCIGRO@generalicentral.com or 7900197777","note":null,"quote":"In case of any grievance the insured person may contact the company through Website: https://generalicentralinsurance.com Toll Free: 1800-220-233 / 1860-500-3333 / 022-67837800 Email: GCIcare@generalicentral.com Courier: Grievance Redressal Cell, Generali Central Insurance Company Limited. Unit No. 301, 3rd Floor Part, Building No. 8, Mindspace IT/ITES SEZ, MIDC Industrial Area, Airavali, Navi Mumbai, Thane District – 400 708\nInsured person may also approach the grievance cell at any of the company's branches with the details of grievance.\nlf lnsured person is not satisfied with the redressal of grievance through one of the above methods, insured person may contact the grievance officer at GCIGRO@generalicentral.com or call at: 7900197777","sources":[{"clause":"2(III)(d)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-d-ii"}],"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":"quote-verified","value":"The selectable daily hospital cash benefits are Rs. 500, Rs. 1000, Rs. 2000 and Rs. 3000 per day under Plans A, B, C and D, offered with 30 days, 60 days, 90 days or 180 days options.","display":"Rs. 500, Rs. 1000, Rs. 2000 or Rs. 3000 per day; 30/60/90/180 days","note":null,"quote":"Plans A, B, C, D can be offered for different options 30 days / 60 days / 90 days / 180 days\nBenefits | Plans\nA | B | C | D\nDaily Hospitalization benefit due to sickness | 500 | 1000 | 2000 | 3000","sources":[{"clause":null,"heading":"Plan Benefit Structure","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5796#c-plan-benefit-structure"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days (1 month)","note":"Not applicable to accidental bodily injury.","quote":"Hospitalisation for any Illness diagnosed or diagnosable within 30 days (1 month), of the commencement of the Policy Period except those incurred as a result of accidental bodily Injury.","sources":[{"clause":"2(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-i"}],"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":"quote-verified","value":{"unit":"months","amount":36},"display":"36 consecutive months","note":null,"quote":"Benefits will not be available for Any condition, ailment or Injury or related condition(s) for which You have been diagnosed, received medical treatment, had signs and/or symptoms, prior to inception of Your first Policy, until 36 consecutive months have elapsed, after the date of inception of the first Policy with Us.\nThis Exclusion shall cease to apply if You have maintained the Policy with Us for a continuous period of 36 months, without break from the date of Your first Hospital cash Policy with Us.","sources":[{"clause":"2(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-i"}],"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":"quote-verified","value":{"unit":"months","amount":12},"display":"12 months","note":"Other specific waiting periods are 24 months for the listed cataract, hernia and related conditions, and 36 months for joint replacement surgery due to degenerative condition, age related osteoarthritis and osteoporosis unless accidental.","quote":"any Hospitalisation during the first 12 months during which You have the benefit of a Health Insurance Policy with Us in connection with any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears/ tonsils/ adenoids. ... any Hospitalisation during the first consecutive 24 months during which You have the benefit of a Health Insurance Policy with Us in connection with cataracts, benign prostatic hypertrophy, hernia of all types ... Hospitalisation during the first consecutive 36 months during which You have the benefit of the Policy with Us in connection with joint replacement Surgery due to degenerative condition, Age related osteoarthritis and Osteoporosis","sources":[{"clause":"2(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-i"}],"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":"quote-verified","value":["any types of gastric or duodenal ulcers","stones in the urinary and biliary systems","Surgery on ears/ tonsils/ adenoids","cataracts","benign prostatic hypertrophy","hernia of all types","hydrocele","all types of sinuses","fistulae","hemorrhoids","fissure in ano","dysfunctional uterine bleeding","fibromyoma","endometriosis","hysterectomy","all internal or external tumors/ cysts/ nodules/ polyps of any kind including breast lumps (except malignant conditions)","Surgery for prolapsed inter vertebral disc unless arising from Accident","Surgery of varicose veins and varicose ulcers","joint replacement Surgery due to degenerative condition","Age related osteoarthritis","Osteoporosis"],"display":"Gastric or duodenal ulcers, urinary and biliary stones, ear/tonsil/adenoid surgery; cataract, BPH, hernia, hydrocele, sinuses, fistulae, hemorrhoids, fissure in ano, DUB, fibromyoma, endometriosis, hysterectomy, tumors/cysts/nodules/polyps, prolapsed intervertebral disc surgery, varicose veins/ulcers surgery; joint replacement due to degenerative condition, age related osteoarthritis and osteoporosis","note":null,"quote":"any Hospitalisation during the first 12 months during which You have the benefit of a Health Insurance Policy with Us in connection with any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears/ tonsils/ adenoids. ... any Hospitalisation during the first consecutive 24 months during which You have the benefit of a Health Insurance Policy with Us in connection with cataracts, benign prostatic hypertrophy, hernia of all types, hydrocele, all types of sinuses, fistulae, hemorrhoids, fissure in ano, dysfunctional uterine bleeding, fibromyoma, endometriosis, hysterectomy, all internal or external tumors/ cysts/ nodules/ polyps of any kind including breast lumps (except malignant conditions), Surgery for prolapsed inter vertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers. ... Hospitalisation during the first consecutive 36 months during which You have the benefit of the Policy with Us in connection with joint replacement Surgery due to degenerative condition, Age related osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury.","sources":[{"clause":"2(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-i"}],"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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced sums insured, sixty continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"2(III)(d)(ii)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-d-ii"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":true,"display":"Renewable lifelong","note":null,"quote":"Your Hospicash Policy shall be renewable lifelong","sources":[{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"}],"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":"quote-verified","value":"No loading applies on renewal based on individual claims experience for Hospicash, except for group policies. Group policies may have renewal loading based on incurred claims ratio.","display":"No individual claim loading; except group policies","note":null,"quote":"g) No loading shall apply on renewals based on individual claims experience ... j) In case of Hospicash policy there will be no loading on premium for adverse claims experience (except for Group policies) ... Loading percentage for High claims ratio (MALUS): The total premium payable at renewal of the group policy will be loaded at the following scale depending upon the incurred claims ratio for the entire group insured under the Group Hospicash Policy up to preceding 3 years.","sources":[{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"},{"clause":"2(III)(f)(ii)","heading":"Loading percentage for High claims ratio (MALUS)","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-f-ii"}],"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":"quote-verified","value":["Investigation & Evaluation- Code- Excl04","Change-of-Gender treatments: Code- Excl07","Cosmetic or Plastic Surgery: Code- Excl08","Hazardous or Adventure sports: Code- Excl09","Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Code- Excl13 Treatments received in heath hydros, nature cure clinics, spas or similar establishments","Refractive Error: Code- Excl15","Unproven Treatments: Code- Excl16","Birth control, Sterility and Infertility: Code- Excl17","Maternity : Code Excl18","Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations","Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an Accident","Vaccination (unless post bite treatment), inoculation","Dental Treatment or Surgery of any kind unless requiring Hospitalisation as a result of accidental bodily Injury","The treatment of obesity (including morbid obesity) and other weight control programs , services and supplies","Hospitalisation for General debility, “Run-down’’ condition or rest cure, sexually transmitted disease other than HIV/AIDS, intentional self-Injury","Hospitalisation arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus type III (HTLB-III) or Lymphadenopathy Associated Virus (LAV) and its variants or mutants","Congenital external Illness/disease/defect anomaly","Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials","Costs incurred on all methods of treatment except Alternative and Allopathy treatments","Genetic disorders and stem cell implantation/surgery/storage","Hormone replacement therapy","Any treatment including Surgery to remove organs from the donor in case of a transplant surgery","Any Hospitalisation received out of India"],"display":"Standard exclusions Excl04, Excl07, Excl08, Excl09, Excl12, Excl13, Excl15, Excl16, Excl17 and Excl18, plus specific exclusions including war, circumcision, vaccination, dental treatment, obesity, general debility, HTLB-III/LAV, congenital external anomaly, nuclear weapons/materials, non-Alternative/non-Allopathy methods, genetic disorders, hormone replacement therapy, donor organ surgery and hospitalisation outside India","note":null,"quote":"a) Investigation & Evaluation- Code- Excl04\ni) Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded.\nii) Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.\nb) Change-of-Gender treatments: Code- Excl07 Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex.\nc) Cosmetic or Plastic Surgery: Code- Excl08 Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered a medically necessity, it must be certified by the attending Medical Practitioner.\nd) Hazardous or Adventure sports: Code- Excl09 Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but not limited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-sea diving.\ne) Code- Excl12 Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.\nf) Code- Excl13 Treatments received in heath hydros, nature cure clinics, spas or similar establishments or private beds registered as a nursing home attached to such establishments or a Hospital where the Hospital has effectively become the Insured Person’s home or permanent abode or where admission is arranged wholly or partly for domestic reasons.\ng) Refractive Error: Code- Excl15 Expenses related to the treatment for correction of eye sight due to refractive error less than 7.5 dioptres.\nh) Unproven Treatments: Code- Excl16 Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments are treatments, procedures or supplies that lack significant medical documentation to support their effectiveness.\ni) Birth control, Sterility and Infertility: Code- Excl17 Expenses related to Birth Control, sterility and infertility. This includes:\ni) Any type of contraception, sterilization\nii) Assisted Reproduction services including artificial insemination and advanced reproductive technologies such as IVF, ZIFT, GIFT, ICSI\niii) Gestational Surrogacy\niv) Reversal of sterilization\nj) Maternity : Code Excl18\ni) Medical treatment expenses traceable to child birth (including complicated deliveries and caesarean section incurred during hospitalization) except ectopic pregnancy;\nii) Expenses towards miscarriage (unless due to an accident) and lawful medical termination of pregnancy during policy period. ... k) Injury or Disease directly or indirectly caused by or arising from or attributable to War, Invasion, Act of Foreign Enemy, War like operations (whether war be declared or not).\nl) Circumcision unless necessary for treatment of a disease not excluded hereunder or as may be necessitated due to an Accident.\nm) Vaccination (unless post bite treatment), inoculation\nn) Dental Treatment or Surgery of any kind unless requiring Hospitalisation as a result of accidental bodily Injury.\no) The treatment of obesity (including morbid obesity) and other weight control programs , services and supplies\np) Hospitalisation for General debility, “Run-down’’ condition or rest cure, sexually transmitted disease other than HIV/AIDS, intentional self-Injury.\nq) Hospitalisation arising out of any condition directly or indirectly caused to or associated with Human T-Cell Lymphotropic Virus type III (HTLB-III) or Lymphadenopathy Associated Virus (LAV) and its variants or mutants.\nr) Congenital external Illness/disease/defect anomaly.\ns) Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials.\nt) 4Costs incurred on all methods of treatment except Alternative and Allopathy treatments.\nu) Genetic disorders and stem cell implantation/surgery/storage.\nv) Hormone replacement therapy.\nw) Any treatment including Surgery to remove organs from the donor in case of a transplant surgery.\nx) Any Hospitalisation received out of India.","sources":[{"clause":"2(II)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-ii"},{"clause":"2(III)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii"}],"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":"quote-verified","value":"The policyholder may cancel by giving 7 days written notice. The refund is 75% of annual rate up to one month on risk, 50% up to three months, 25% up to six months and Nil exceeding six months; no refund is made where any claim has been admitted or lodged or any benefit availed.","display":"7 days' notice; refund 75% up to 1 month, 50% up to 3 months, 25% up to 6 months, Nil after 6 months; no refund if claim admitted/lodged/benefit availed","note":null,"quote":"a) The policyholder may cancel this policy by giving 7 days written notice and in such an event, the Company shall refund premium for the unexpired policy period as detailed below\nPeriod on risk | Rate of premium refunded\nUp to one month | 75% of annual rate\nUp to three months | 50% of annual rate\nUp to six months | 25% of annual rate\nExceeding six months | Nil\nb) Notwithstanding anything contained herein or otherwise, no refunds of premium shall be made in respect of Cancellation where, any claim has been admitted or has been lodged or any benefit has been availed by the insured person under the policy.","sources":[{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"}],"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":"quote-verified","value":"Hospital cash benefit is covered anywhere in India only.","display":"India only","note":null,"quote":"a) We cover Hospital cash benefit due to Accidental Bodily injury or Sickness sustained by the Insured Person during the Policy Period anywhere in India only.","sources":[{"clause":"2(III)(f)(ii)","heading":"Loading percentage for High claims ratio (MALUS)","page":15,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-f-ii"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"thirty days from date of receipt of the policy document","note":"Applicable on new individual health insurance policies and not on renewals or at the time of porting/ migrating the policy.","quote":"The insured person shall be allowed free look period of thirty days from date of receipt of the policy document to review the terms and conditions of the policy, and to return the same if not acceptable.","sources":[{"clause":null,"heading":"D. General terms and Clauses","page":9,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-d-general-terms-and-clauses"}],"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":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"The definition clause says fifteen days where premium payment mode is monthly and thirty days in all other cases.","quote":"At the end of the policy period, the policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without break in policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"},{"clause":"2(c)(iv)","heading":null,"page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-c-iv"}],"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":"quote-verified","value":"Entry age is between 6 months and 65 years.","display":"6 months to 65 years","note":null,"quote":"You are eligible to be covered under this policy if Your age is between 6 months to 65 years with life long renewability.","sources":[{"clause":null,"heading":"PREAMBLE","page":1,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-preamble"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents mention grace periods for monthly and other premium payment modes, but do not list the premium payment options for this product.","quote":null,"sources":[],"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":null,"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":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":"The grace-period definition also states: “Provided the insurer shall offer coverage during the grace period, if the premium is paid in installments during policy period.”","quote":"f) Coverage is not available during the grace period.","sources":[{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"The daily hospitalisation benefit due to sickness is Rs. 500 under Plan A, Rs. 1000 under Plan B, Rs. 2000 under Plan C and Rs. 3000 under Plan D. ICU benefit is two times the hospital cash benefit in the home city and three times in a city other than the home city.","display":"Rs. 500, Rs. 1000, Rs. 2000 or Rs. 3000 per day; ICU 2x in home city and 3x outside home city","note":"Plan A/B/C/D respectively.","quote":"Daily Hospitalization benefit due to sickness | 500 | 1000 | 2000 | 3000\nICU benefit in home city of residence (max. 10 days) | 1000 | 2000 | 4000 | 6000\nICU benefit in other than home city of residence (max. 10 days) | 1500 | 3000 | 6000 | 9000","sources":[{"clause":null,"heading":"Plan Benefit Structure","page":7,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5796#c-plan-benefit-structure"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"The overall hospital cash benefit is for a maximum of 30 days, 60 days, 90 days or 180 days as per the plan opted, for each hospitalisation or all hospitalisations during the policy period. ICU benefit is limited to 10 days for each hospitalisation and 20 days for all hospitalisations put together in the policy period.","display":"30/60/90/180 days per hospitalisation or policy period; ICU 10 days per hospitalisation and 20 days per policy period","note":null,"quote":"the Hospital Cash benefit for each continuous and completed period of 24 hours of Hospitalisation necessitated solely by reason of the said Accidental Bodily Injury or Sickness, for a maximum of 30 days / 60 days /90 days/ 180 days as per the schedule. ... In case of Section II and III the maximum benefit payable in case of ICU whether in Home city / other than Home city, is limited upto 10 days for each hospitalisation and maximum of 20 days for all hospitalisations put together in the policy period. ... In case of Sec I, II and III the maximum benefits would however be restricted to 30 /60 / 90 /180 days as per the plan opted for each hospitalisation or all hospitalisations during the policy period.","sources":[{"clause":"2(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-b-5"}],"law":[]},{"key":"min_stay","label":"Minimum stay","section":"Cover","meaning":"How long you must be in hospital before daily cash starts.","status":"quote-verified","value":"Hospital cash is paid for each continuous and completed period of 24 hours of hospitalisation. A continuous and completed period of less than 24 hours of hospitalisation or day care treatment consequent upon an insured event is deemed 24 hours if it extends to at least 12 hours.","display":"24 hours; less than 24 hours counts if at least 12 hours for hospitalisation or day care treatment consequent upon an insured event","note":null,"quote":"the Hospital Cash benefit for each continuous and completed period of 24 hours of Hospitalisation necessitated solely by reason of the said Accidental Bodily Injury or Sickness ... A continuous and completed period of less than 24 hours of Hospitalization or Day care treatment 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.","sources":[{"clause":"2(b)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-b-5"},{"clause":"2(III)(g)(vii)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793#c-2-iii-g-vii"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospicash Policy Wordings","pages":17,"fetched_at":"2026-10-17 19:33:32+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hospicash/policy-wording/hospicash-policy-wording.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5793"},{"kind":"prospectus","label":"Hospicash Prospectus Form","pages":21,"fetched_at":"2026-10-17 19:33:35+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hospicash/prospectus-forms/hospicash-prospectus.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5796"},{"kind":"cis","label":"Hospicash Customer Information Sheet","pages":7,"fetched_at":"2026-10-17 19:33:36+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hospicash/customer-information-sheet/hospicash-cis.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5797"},{"kind":"brochure","label":"Hospicash Product Brochure","pages":10,"fetched_at":"2026-10-17 19:33:26+00","source_url":"https://www.generalicentralinsurance.com/downloads/health-insurance/hospicash/product-brochures/hospicash-brochure.pdf","url":"https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122/document/5792"}],"versions":[],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Generali Central Insurance official website","url":"https://www.generalicentralinsurance.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Motor claim process","url":"https://www.generalicentralinsurance.com/motor-insurance/motor-claim-process","note":null},{"purpose":"claim","kind":"insurer","name":"Other claim process","url":"https://www.generalicentralinsurance.com/other-claim-process","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal","url":"https://www.generalicentralinsurance.com/customer-service/grievance-redressal","note":null},{"purpose":"grievance","kind":"official","name":"Bima Bharosa (IRDAI grievance portal)","url":"https://bimabharosa.irdai.gov.in/","note":"Register and track a complaint against any insurer with IRDAI. Complain to the insurer first; escalate here if the reply is late or unsatisfactory."},{"purpose":"grievance","kind":"official","name":"e-Daakhil (consumer commission e-filing)","url":"https://edaakhil.nic.in/","note":"Not reachable from our crawler on 2026-10-19; use e-Jagriti if this link does not open."},{"purpose":"grievance","kind":"official","name":"e-Jagriti (consumer commission filing)","url":"https://e-jagriti.gov.in/","note":"Ministry of Consumer Affairs platform for consumer commission cases, a route for insurance disputes that the Ombudsman does not settle."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Ahmedabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Gujarat, Dadra & Nagar Haveli, Daman and Diu. Email: oio.ahmedabad@cioins.co.in. Phone: 079 - 25501201/02. Address: Office of the Insurance Ombudsman, Jeevan Prakash Building, 6th floor, Tilak Marg, Relief Road, AHMEDABAD – 380 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bengaluru","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Karnataka. Email: oio.bengaluru@cioins.co.in. Phone: 080 - 26652048 / 26652049. Address: Office of the Insurance Ombudsman, Jeevan Soudha Building,PID No. 57-27-N-19 Ground Floor, 19/19, 24th Main Road, JP Nagar, Ist Phase, Bengaluru – 560 078."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhopal","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Madhya Pradesh, Chhattisgarh. Email: oio.bhopal@cioins.co.in. Phone: 0755 - 2769201 / 2769202 / 2769203. Address: Office of the Insurance Ombudsman, 1st floor,\"Jeevan Shikha\", 60-B,Hoshangabad Road, Opp. Gayatri Mandir,Arera Hills Bhopal – 462 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Bhubaneswar","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Odisha. Email: oio.bhubaneswar@cioins.co.in. Phone: 0674 - 2596461 /2596455/2596429/2596003. Address: Office of the Insurance Ombudsman, 62, Forest park, Bhubaneswar – 751 009."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chandigarh","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Punjab, Haryana (excluding Gurugram, Faridabad, Sonepat and Bahadurgarh), Himachal Pradesh, Union Territories of Jammu & Kashmir,Ladakh & Chandigarh. Email: oio.chandigarh@cioins.co.in. Phone: 0172-2706468. Address: Office Of The Insurance Ombudsman, Jeevan Deep Building SCO 20-27, Ground Floor Sector- 17 A, Chandigarh – 160 017."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Chennai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Tamil Nadu, PuducherryTown and Karaikal (which are part of Puducherry). Email: oio.chennai@cioins.co.in. Phone: 044 - 24333668 / 24333678. Address: Office of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Delhi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Delhi & following Districts of Haryana - Gurugram, Faridabad, Sonepat & Bahadurgarh. Email: oio.delhi@cioins.co.in. Phone: 011 - 46013992/23213504/23232481. Address: Office of the Insurance Ombudsman, 2/2 A, Universal Insurance Building, Asaf Ali Road, New Delhi – 110 002."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Guwahati","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Assam, Meghalaya, Manipur, Mizoram, Arunachal Pradesh, Nagaland and Tripura. Email: oio.guwahati@cioins.co.in. Phone: 0361 - 2632204 / 2602205 / 2631307. Address: Office of the Insurance Ombudsman, Jeevan Nivesh, 5th Floor, Near Pan Bazar , S.S. Road, Guwahati – 781001(ASSAM)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Hyderabad","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Andhra Pradesh, Telangana, Yanam and part of Union Territory of Puducherry. Email: oio.hyderabad@cioins.co.in. Phone: 040 - 23312122 / 23376991 / 23376599 / 23328709 / 23325325. Address: Office of the Insurance Ombudsman, 6-2-46, 1st floor, \"Moin Court\", Lane Opp.Hyundai Showroom , A. C. Guards, Lakdi-Ka-Pool, Hyderabad - 500 004."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Jaipur","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Rajasthan. Email: oio.jaipur@cioins.co.in. Phone: 0141- 2740363. Address: Office of the Insurance Ombudsman, Jeevan Nidhi – II Bldg., Gr. Floor, Bhawani Singh Marg, Jaipur - 302 005."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kochi","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Kerala, Lakshadweep, Mahe-a part of Union Territory of Puducherry. Email: oio.ernakulam@cioins.co.in. Phone: 0484 - 2358759. Address: Office of the Insurance Ombudsman, 10th Floor, Jeevan Prakash,LIC Building, Opp to Maharaja's College Ground,M.G.Road, Kochi - 682 011."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Kolkata","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: West Bengal, Sikkim, Andaman & Nicobar Islands. Email: oio.kolkata@cioins.co.in. Phone: 033 - 22124339 / 22124341. Address: Office of the Insurance Ombudsman, Hindustan Bldg. Annexe, 7th Floor, 4, C.R. Avenue, KOLKATA - 700 072."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Lucknow","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Districts of Uttar Pradesh : Lalitpur, Jhansi, Mahoba, Hamirpur, Banda, Chitrakoot, Allahabad, Mirzapur, Sonbhabdra, Fatehpur, Pratapgarh, Jaunpur,Varanasi, Gazipur, Jalaun, Kanpur, Lucknow, Unnao, Sitapur, Lakhimpur, Bahraich, Barabanki, Raebareli, Sravasti, Gonda, Faizabad, Amethi, Kaushambi, Balrampur, Basti, Ambedkarnagar, Sultanpur, Maharajgang, Santkabirnagar, Azamgarh, Kushinagar, Gorkhpur, Deoria, Mau, Ghazipur, Chandauli, Ballia, Sidharathnagar. Email: oio.lucknow@cioins.co.in. Phone: 0522 - 4002082 / 3500613. Address: Office of the Insurance Ombudsman, 6th Floor, Jeevan Bhawan, Phase-II, Nawal Kishore Road, Hazratganj, Lucknow - 226 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Mumbai","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: List of wards under Mumbai Metropolitan Region excluding wards in Mumbai – i.e M/E, M/W, N , S and T covered under Office of Insurance Ombudsman Thane and excluding areas of Navi Mumbai. Email: oio.mumbai@cioins.co.in. Phone: 022 - 69038800/27/29/31/32/33. Address: Office of the Insurance Ombudsman, 3rd Floor, Jeevan Seva Annexe, S. V. Road, Santacruz (W), Mumbai - 400 054."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Noida","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Uttarakhand and the following Districts of Uttar Pradesh: Agra, Aligarh, Bagpat, Bareilly, Bijnor, Budaun, Bulandshehar, Etah, Kannauj, Mainpuri, Mathura, Meerut, Moradabad, Muzaffarnagar, Oraiyya, Pilibhit, Etawah, Farrukhabad, Firozbad, Gautam Buddh nagar, Ghaziabad, Hardoi, Shahjahanpur, Hapur, Shamli, Rampur, Kashganj, Sambhal, Amroha, Hathras, Kanshiramnagar, Saharanpur. Email: oio.noida@cioins.co.in. Phone: 0120-4027589. Address: Office of the Insurance Ombudsman, Bhagwan Sahai Palace 4th Floor, Main Road, Naya Bans, Sector 15, Distt: Gautam Buddh Nagar, U.P-201301."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: offices and jurisdiction","url":"https://www.cioins.co.in/Ombudsman","note":"Addresses, phone numbers, e-mail and the states or districts each Ombudsman office covers."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Patna","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Bihar, Jharkhand. Email: oio.patna@cioins.co.in. Phone: 0612-2547068. Address: Office of the Insurance Ombudsman, 2nd Floor, Lalit Bhawan, Bailey Road, Patna 800 001."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Pune","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: State of Goa and State of Maharashtra excluding areas of Navi Mumbai, Thane district,Palghar District, Raigad district & Mumbai Metropolitan Region. Email: oio.pune@cioins.co.in. Phone: 020-24471175. Address: Office of the Insurance Ombudsman, Jeevan Darshan Bldg., 3rd Floor, C.T.S. No.s. 195 to 198, N.C. Kelkar Road, Narayan Peth, Pune – 411 030."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman: register a complaint online","url":"https://cioins.co.in/Complaint/Online","note":"Council for Insurance Ombudsmen. Free. For disputes with an insurer after its own grievance process; the office is chosen by where you live (see the offices list)."},{"purpose":"grievance","kind":"official","name":"Insurance Ombudsman, Thane","url":"https://www.cioins.co.in/Ombudsman","note":"Covers: Area of Navi Mumbai, Thane District, Raigad District, Palghar District and wards of Mumbai , M/East, M/West, N, S and T. Email: oio.thane@cioins.co.in. Phone: 022-20812868/69. Address: Office of the Insurance Ombudsman, Jeevan Chintamani Building, 2nd Floor,Near New RTO Office, Louis Wadi,Vasantrao Naik Mahamarg, Thane (West)- 400604."},{"purpose":"grievance","kind":"official","name":"National Consumer Helpline","url":"https://consumerhelpline.gov.in/public/","note":"Government consumer helpline; can take up a complaint before you go to a consumer commission."},{"purpose":"port","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"renew","kind":"insurer","name":"Renewals","url":"https://www.generalicentralinsurance.com/renewals","note":null}],"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":"Hospicash (UIN GCIHLIP22105V022122), IndiaInsurances, https://indiainsurances.com/policy/generali-central-insurance/hospicash-gcihlip22105v022122"}