{"uin":"RQBHLGP25023V022425","name":"Hospital Daily Cash - Group","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425","insurer":{"slug":"raheja-qbe-general-insurance","name":"Raheja QBE General Insurance Co. Ltd.","url":"https://indiainsurances.com/insurer/raheja-qbe-general-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":"This is a group hospital cash health product with Plan 30, Plan 60, Plan 90 and Plan 180 and daily benefit options from Rs. 500 to Rs. 5000 per day. The policy term is 1 Year, with optional covers such as Accidental Death, Day Care Procedure Cash, Loss of Income, International Emergency Benefit and Maternity Cover.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:08:22.945447+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 30","Plan 60","Plan 90","Plan 180"],"display":"Plan 30, Plan 60, Plan 90, Plan 180","note":null,"quote":"Plan 30 | Plan 60 | Plan 90 | Plan 180","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group"}],"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":"1 Year","display":"1 Year","note":null,"quote":"Period of Insurance: 1 Year","sources":[{"clause":"3(c)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-3-c"}],"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":"The Policyholder, Insured Person or Nominee must notify the insurer immediately at the call centre or in writing within seven (7) days of the occurrence of the event.","display":"Immediately, within seven (7) days of occurrence","note":null,"quote":"Upon the occurrence of any event, that may give rise to a claim under this Policy, the Policyholder / Insured Person or Nominee, must notify Us immediately at the call centre or in writing within seven (7) days of occurrence of such event.","sources":[{"clause":"Excl17(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-d-3"}],"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":["Claim Form Duly Filled and Signed (Original)","Copy of attested Hospital summary / Discharge Summary / Death Summary","Final Hospital Bill with Bill break up and receipt (photocopy)","Copy of attested Death Certificate issued by Hospital and Local Authority","MLC/FIR Report/Post Mortem Report (if applicable and conducted) duly attested by concern authority.","Copy of KYC documents (Photo ID proof, Pan Card, Aadhar Card etc.)","Cancelled cheque for NEFT payment","Proof of loss of income (Applicable for Loss of income cover, if opted). Salary Slip for Salaried person and proof of occupation for self-employed person."],"display":"Claim form, hospital summary, final hospital bill, death certificate, MLC/FIR/Post Mortem if applicable, KYC, cancelled cheque, and proof of loss of income if opted","note":null,"quote":"Documents required for Claims processing:\n1. Claim Form Duly Filled and Signed (Original)\n2. Copy of attested Hospital summary / Discharge Summary / Death Summary\n3. Final Hospital Bill with Bill break up and receipt (photocopy)\n4. Copy of attested Death Certificate issued by Hospital and Local Authority\n5. MLC/FIR Report/Post Mortem Report (if applicable and conducted) duly attested by concern authority.\n6. Copy of KYC documents (Photo ID proof, Pan Card, Aadhar Card etc.)\n7. Cancelled cheque for NEFT payment\n8. Proof of loss of income (Applicable for Loss of income cover, if opted). Salary Slip for Salaried person and proof of occupation for self-employed person.","sources":[{"clause":null,"heading":"Claims Documents","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-claims-documents"}],"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":"quote-verified","value":"The insurer shall ordinarily settle a claim including rejection within 15 days of receiving the last necessary documents. If investigation is warranted, it must complete investigation not later than 30 days from the last necessary document and settle within 45 days from receipt of the last necessary document or information.","display":"15 days from last necessary documents; investigation cases within 45 days","note":"Delay beyond the stipulated timelines carries interest at two percent (2%) above the Bank Rate or as per applicable IRDAI regulation.","quote":"We shall ordinarily settle a Claim including rejection within 15 days of the receipt of the last \"necessary\" documents. However, where the circumstances of a claim warrant an investigation it shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last necessary document. In such cases, we shall settle the claim within 45 days from the date of receipt of last necessary document / information. In case of delay in the payment beyond the stipulated timelines, We shall be liable to pay interest at the rate of two percent (2%) above the Bank Rate or as per the applicable / extant IRDAI regulation.","sources":[{"clause":null,"heading":"Settlement & Repudiation of a Claim","page":15,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-settlement-repudiation-of-a-claim"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Rs. 500, Rs. 750, Rs. 1000, Rs. 1500, Rs. 2000, Rs. 3000, Rs. 4000 and Rs. 5000 per day.","display":"Rs. 500 to Rs. 5000 per day","note":null,"quote":"Sum Insured Options | (A) Rs. 500 Per day, (B) Rs. 750 Per Day, (C) Rs. 1000 Per Day (D) Rs. 1500 Per Day, (E) Rs. 2000 Per Day, (F) Rs. 3000 Per Day, (G) Rs. 4000 Per Day, (H) Rs. 5000 Per Day","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group"}],"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","note":null,"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, provided the same are covered.","sources":[{"clause":"Excl03","heading":"First Thirty Days Waiting Period (Code- Excl03)","page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl03"}],"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 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 policy with insurer.","sources":[{"clause":"Excl01(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl01-a"}],"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":null,"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 policy with the Insurer. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02(a)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl02-a"}],"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":["Pancreatitis and stones in biliary and urinary system","Cataract, glaucoma and other disorders of lens, disorders of retina","Hyperplasia of prostate, hydrocele and spermatocele","Abnormal utero-vaginal bleeding, female genital prolapse, endometriosis/adenomyosis, fibroids, PCOD, or any condition requiring dilation and curettage or hysterectomy","Hemorrhoids, fissure or fistula or abscess of anal and rectal region","Hernia of all sites,","Osteoarthritis, systemic connective tissue disorders, dorsopathies, spondylopathies, inflammatory polyarthropathies, arthrosis such as RA, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair","Chronic kidney disease and failure","Varicose veins of lower extremities","All internal or external benign or in situ neoplasms/tumors, cyst, sinus, polyp, nodules, swelling, mass or lump","Ulcer, erosion and varices of gastrointestinal tract","Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses","Surgery of Genito-urinary system unless necessitated by malignancy","Spinal disorders"],"display":"Listed conditions include cataract, hernia, osteoarthritis, chronic kidney disease, varicose veins, benign tumours, gastrointestinal ulcer and spinal disorders","note":null,"quote":"List of applicable disease for 12 months waiting period are:\n• Pancreatitis and stones in biliary and urinary system\n• Cataract, glaucoma and other disorders of lens, disorders of retina\n• Hyperplasia of prostate, hydrocele and spermatocele\n• Abnormal utero-vaginal bleeding, female genital prolapse, endometriosis/adenomyosis, fibroids, PCOD, or any condition requiring dilation and curettage or hysterectomy\n• Hemorrhoids, fissure or fistula or abscess of anal and rectal region\n• Hernia of all sites,\n• Osteoarthritis, systemic connective tissue disorders, dorsopathies, spondylopathies, inflammatory polyarthropathies, arthrosis such as RA, gout, intervertebral disc disorders, arthroscopic surgeries for ligament repair\n• Chronic kidney disease and failure\n• Varicose veins of lower extremities\n• All internal or external benign or in situ neoplasms/tumors, cyst, sinus, polyp, nodules, swelling, mass or lump\n• Ulcer, erosion and varices of gastrointestinal tract\n• Surgical treatment for diseases of middle ear and mastoid (including otitis media, cholesteatoma, perforation of tympanic membrane), Tonsils and adenoids, nasal septum and nasal sinuses\n• Surgery of Genito-urinary system unless necessitated by malignancy\n• Spinal disorders","sources":[{"clause":"Excl02(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl02-e"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"quote-verified","value":"The insured person has the option to port the policy to other insurers by applying at least 45 days before, but not earlier than 60 days from, the premium due date; accrued continuity benefits in waiting periods are available as per portability guidelines.","display":"Portability allowed with accrued continuity benefits in waiting periods","note":null,"quote":"The insured person 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 45 days before, but not earlier than 60 days from the premium due date of his/her existing policy as per extant guidelines related to portability. If such person is presently covered and has been continuously covered without any lapses under any health insurance policy with an Indian General/Health insurer, the proposed insured person will get the accrued continuity benefits in waiting periods as per extant guidelines on portability.","sources":[{"clause":null,"heading":"Portability","page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-portability"}],"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":"Yes, No Exit Age","note":"This is a group policy; the prospectus also says the benefit is not available to members who cease to be part of the group.","quote":"Policy can be availed by persons between the age of 18 years and 75years. No Exit Age ... Renewal will not be refused by Us except on grounds of established fraud or non-disclosure , moral hazard or misrepresentation by the insured person, provided that the policy is not withdrawn and also subject to conditions stated under clause 6.2.19 of policy wordings.","sources":[{"clause":null,"heading":"Who can Take this policy?","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-who-can-take-this-policy"},{"clause":"Excl17(b)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-b-3"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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. If no claims are made, the Company refunds proportionate premium for the unexpired policy period on a prorate basis; if claims are made, there is no refund for the unexpired policy period.","display":"7 days written notice; pro-rata refund if no claims; no refund if claims made","note":null,"quote":"The policyholder may cancel this policy by giving 7 days written notice. ... In case the Policyholder requests cancellation of the Policy, where no claims are made under the Policy, the Company shall refund proportionate premium for the unexpired policy period on prorate basis. ... In case the Policyholder requests for cancellation of the Policy, where there are claims made under the Policy, then there shall be no refund of premium for the unexpired policy period.","sources":[{"clause":"Excl17(a)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-a"},{"clause":"Excl17(b)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-b"},{"clause":"Excl17(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-c"}],"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":"The policy covers events within the territorial limits of India except for International Emergency Benefit and Accidental Death Benefit. All payments are made only in Indian Rupees.","display":"India, except International Emergency Benefit & Accidental Death Benefit","note":null,"quote":"This Policy covers for events within the territorial limits of India except for cover – International Emergency Benefit & Accidental Death Benefit. However, all payments under this Policy will only be made in Indian Rupees.","sources":[{"clause":null,"heading":"Geography –","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-geography"}],"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","note":"Applicable at the inception of the Policy and not on renewals or at the time of porting the policy.","quote":"The insured shall be allowed a period of thirty days from date of receipt of the Policy, whether received electronically or otherwise, to review the terms and conditions of the Policy.","sources":[{"clause":null,"heading":"CONDITIONS APPLICABLE DURING CONTRACT","page":10,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-conditions-applicable-during-contract"}],"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; 15 Days for Monthly","note":"Monthly mode has 15 Days grace period; yearly, half yearly and quarterly have 30 Days.","quote":"Options | Instalment Premium Option | Grace Period Applicable\nOption 1 | Yearly | 30 Days\nOption 2 | Half Yearly | 30 Days\nOption 3 | Quarterly | 30 Days\nOption 4 | Monthly | 15 Days","sources":[{"clause":null,"heading":"Group Administrator –","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-group-administrator"}],"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":"A person is eligible if not younger than 91 days and not more than 75 years. The prospectus also says the policy can be availed by persons between 18 years and 75 years, with dependent children between 3 months and 25 years.","display":"91 days to 75 years; adults 18 years to 75 years; dependent children 3 months to 25 years","note":null,"quote":"Age - A person shall be eligible to become an Insured Person if he/she is not younger than 91 days and not more than 75 years. ... Policy can be availed by persons between the age of 18 years and 75years. ... Dependent Children, maximum upto Three Children between the age of 3 months to 25 years","sources":[{"clause":null,"heading":"CONDITION PRECEDENT TO THE CONTRACT","page":9,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-condition-precedent-to-the-contract"},{"clause":null,"heading":"Who can Take this policy?","page":3,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-who-can-take-this-policy"},{"clause":"3(b)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-3-b"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Yearly","Half Yearly","Quarterly","Monthly"],"display":"Yearly, Half Yearly, Quarterly, Monthly","note":null,"quote":"Options | Instalment Premium Option | Grace Period Applicable\nOption 1 | Yearly | 30 Days\nOption 2 | Half Yearly | 30 Days\nOption 3 | Quarterly | 30 Days\nOption 4 | Monthly | 15 Days","sources":[{"clause":null,"heading":"Group Administrator –","page":11,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-group-administrator"}],"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":"quote-verified","value":["Accidental Death","Day Care Procedure Cash","CONVALESCENCE BENEFIT","LOSS OF INCOME","INTERNATIONAL EMERGENCY BENEFIT","MATERNITY COVER"],"display":"Accidental Death, Day Care Procedure Cash, Convalescence Benefit, Loss of Income, International Emergency Benefit and Maternity Cover","note":"The same optional coverage section also prints “Time Deductible” as an option to select Zero Day, 1 Day or 2 Days time deductibles.","quote":"3 | Accidental Death | Ten Times of Daily Benefit limit, maximum upto Rs. 10,000. This Benefit is over and above the Base benefit.\n4 | Day Care Procedure Cash | Three Times of Daily Benefit limit, maximum upto Rs. 5000. Twice in a Policy Year.\n5 | CONVALESCENCE BENEFIT | Three Times of daily limit for the No of Days exceeding 10 consecutive days of hospitalization, maximum upto Rs. 10000. Only Once in a Policy Period. This Benefit is over and above the Base benefit.\n6 | LOSS OF INCOME | We will pay per day benefit as per option selected below for Maximum upto5 Days and only once in a policy period, incase of hospitalization and Insured Person is absent from engaging in his/her primary occupation and loses his/her source of income temporarily or permanent subject to claim is payable in a base cover. Rs. 250 Rs. 500 Rs. 750 D. Rs. 1000 Above Benefit is over and above the Base benefit. ... 7 | INTERNATIONAL EMERGENCY BENEFIT | 10 Times of Daily Benefit Sum Insured, maximum upto Rs. 25,000.\n8 | MATERNITY COVER | We will pay the Daily Benefit amount for the number of days Insured Person is Hospitalized for each continuous and completed period of 24 hours of Hospitalization","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group Optional Coverage","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group-optional-co"}],"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":"If premium is payable in instalments and is not paid on or before the due date, the insurer will not pay for a claim during the relaxation period unless the instalment premium is paid within the relaxation period.","display":"Claim during relaxation period is not paid unless instalment premium is paid within the relaxation period","note":null,"quote":"If premium is payable in instalments and not paid on or before the due date then We will not pay for any claim that occurs during the relaxation period unless the instalment premium is paid by You within the relaxation period.","sources":[{"clause":"Excl17(c)","heading":null,"page":16,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-excl17-c-5"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"The normal sickness hospital cash daily benefit options are Rs. 500, Rs. 750, Rs. 1000, Rs. 1500, Rs. 2000, Rs. 3000, Rs. 4000 and Rs. 5000 per day. ICU sickness hospitalisation and accidental hospital cash pay twice the daily benefit limit per day.","display":"Rs. 500 to Rs. 5000 per day; ICU sickness and accidental hospital cash pay twice the Daily Benefit limit","note":null,"quote":"Sum Insured Options | (A) Rs. 500 Per day, (B) Rs. 750 Per Day, (C) Rs. 1000 Per Day (D) Rs. 1500 Per Day, (E) Rs. 2000 Per Day, (F) Rs. 3000 Per Day, (G) Rs. 4000 Per Day, (H) Rs. 5000 Per Day ... Sickness Hospitalization Cash | Daily benefit limit, Per Day Incase ICU Hospitalization Twice the Daily Benefit limit, Per Day, Max for 7 Days and maximum for 15 days per policy period. ... Accidental Hospital Cash | Twice the Daily Benefit limit Per Day, Maximum for 7 Days and maximum for 15 days per policy period.","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group"},{"clause":"Row 1","heading":"Sickness Hospitalization Cash","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-row-1"},{"clause":"Row 2","heading":"Accidental Hospital Cash","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-row-2"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"Plan options are 30 Days, 60 Days, 90 Days and 180 Days. ICU sickness hospitalisation and accidental hospital cash are payable for a maximum of 7 Days and maximum for 15 days per policy period.","display":"Plan 30/60/90/180; ICU sickness and accidental hospital cash max 7 Days and 15 days per policy period","note":"The prospectus does not separately state a per-admission and per-year limit for normal sickness hospital cash beyond the plan day options.","quote":"Plan 30 | Plan 60 | Plan 90 | Plan 180\n30 Days | 60 Days | 90 Days | 180 Days ... Sickness Hospitalization Cash | Daily benefit limit, Per Day Incase ICU Hospitalization Twice the Daily Benefit limit, Per Day, Max for 7 Days and maximum for 15 days per policy period. ... Accidental Hospital Cash | Twice the Daily Benefit limit Per Day, Maximum for 7 Days and maximum for 15 days per policy period.","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group"},{"clause":"Row 1","heading":"Sickness Hospitalization Cash","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-row-1"},{"clause":"Row 2","heading":"Accidental Hospital Cash","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-row-2"}],"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":"The time deductible options are Zero Day, 1 Day or 2 Days, and the opted deductible applies on each and every admissible claim.","display":"Zero Day, 1 Day or 2 Days time deductible","note":null,"quote":"Time Deductible | Option to select Zero Day, 1 Day or 2 Days Time deductibles. Opted deductible shall apply on each and every admissible claim.","sources":[{"clause":null,"heading":"Prospectus Hospital Daily Cash – Group Optional Coverage","page":1,"url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715#c-prospectus-hospital-daily-cash-group-optional-co"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospital Daily Cash - Group - Policy wordings","pages":36,"fetched_at":"2026-10-17 19:59:22+00","source_url":"https://rahejaqbe.com/uploads/images/hospital-daily/pdf/download/hospital-daily-cash-policy-wordings-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14719"},{"kind":"prospectus","label":"Hospital Daily Cash - Group - Prospectus","pages":16,"fetched_at":"2026-10-17 19:59:15+00","source_url":"https://rahejaqbe.com/uploads/images/hospital-daily/pdf/download/Hospital-daily-cash-group-prospectus-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14715"},{"kind":"cis","label":"Hospital Daily Cash - Group - Customer information sheet","pages":8,"fetched_at":"2026-10-17 19:57:29+00","source_url":"https://rahejaqbe.com/uploads/images/hospital-daily/pdf/download/hospital-daily-cash-cis-V03.pdf","url":"https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425/document/14677"}],"versions":[{"uin":"RQBHLGP26045V032526","version":null,"approved_on":null},{"uin":"RQBHLGP25023V022425","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Raheja QBE General Insurance official website","url":"https://www.rahejaqbe.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":"Claims","url":"https://rahejaqbe.com/claims","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://rahejaqbe.com/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."}],"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 Daily Cash - Group (UIN RQBHLGP25023V022425), IndiaInsurances, https://indiainsurances.com/policy/raheja-qbe-general-insurance/hospital-daily-cash-group-rqbhlgp25023v022425"}