{"uin":"SBIHLIP11003V011011","name":"Hospital Daily Cash Insurance Policy","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011","insurer":{"slug":"sbi-general-insurance","name":"SBI General Insurance Company Limited","url":"https://indiainsurances.com/insurer/sbi-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":null,"kind":"product","status":"active","approved_on":"2013-06-20","withdrawn_on":null,"summary":"Hospital Daily Cash Insurance Policy is a benefit policy that pays a fixed hospital daily cash amount for hospitalisation. The daily sickness benefit options are Rs 500, Rs 1000, Rs 1500 and Rs 2000, with maximum benefit payable for 30/60 days within the policy period.","analysis":{"state":"machine","analysed_at":"2026-10-19 21:51:02.682849+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":["A","B","C","D","Max coverage: 30 Days","Max coverage: 60 Days"],"display":"A, B, C and D under Max coverage 30 Days or 60 Days","note":null,"quote":"Plan: (Max coverage: 30 Days)\nBeneĤts | A | B | C | D ... Plan: (Max coverage: 60 Days)\nBeneĤts | A | B | C | D","sources":[{"clause":null,"heading":"Plan: (Max coverage: 30 Days)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-plan-max-coverage-30-days"},{"clause":null,"heading":"Plan: (Max coverage: 60 Days)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-plan-max-coverage-60-days"}],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"not-stated","value":null,"display":null,"note":"The documents refer to the Policy Period and policy expiry date, but do not state a fixed policy term.","quote":null,"sources":[],"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 insured must intimate the insurer immediately and in any event within 48 hours upon discharge from hospital. The insurer may relax delay beyond 48 hours up to a maximum period of 7 days if satisfactory proof or evidence is produced.","display":"Immediately and within 48 hours upon discharge; delay may be relaxed up to 7 days","note":null,"quote":"Insured must provide intimation to Insurer immediately and in any event within 48 hours upon discharge from hospital. However the Insurer at his sole discretion may relax this condition subject to satisfactory proof/evidence being produced on the reasons for such a delay beyond the stipulated 48 hours upto a maximum period of 7 days.","sources":[{"clause":"5","heading":"Claims Procedures - In the event of Accidental Bodily Injury","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-4"}],"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 signed","Copy of attested Hospital summary / Discharge Summary","Copy of Medical reports / records","Doctor’s certiĤcate","Valid Photo identity Card","Any other relevant document as required by the company"],"display":"Claim form, discharge summary, medical reports/records, doctor’s certificate, photo identity card and any other relevant document","note":null,"quote":"a) Claim form duly signed\nb) Copy of attested Hospital summary / Discharge Summary\nc) Copy of Medical reports / records\nd) Doctor’s certiĤcate\ne) Valid Photo identity Card\nf) Any other relevant document as required by the company","sources":[{"clause":"5","heading":"Claims Procedures - In the event of Accidental Bodily Injury","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-4"}],"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":"Upon acceptance of an offer of settlement by the insured, payment of the amount due shall be made within 7 days from the date of acceptance. Delay attracts interest at 2% above the bank rate prevalent at the beginning of the financial year in which the claim is reviewed.","display":"Payment within 7 days from acceptance of settlement offer; delay interest at 2% above bank rate","note":null,"quote":"Upon acceptance of an oģer of settlement by the insured, the payment of the amount due shall be made within 7 days from the date of acceptance of the oģer by the insured. In the cases of delay in the payment, the insurer shall be liable to pay interest at a rate which is 2% above the bank rate prevalent at the beginning of the Ĥnancial year in which the claim is reviewed by it.","sources":[{"clause":"8","heading":"Penal Interest Provision - Upon acceptance of an oģer of","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-8-3"}],"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":["Pre-existing Disease Exclusion","hospitalisation due to sickness / illness, as stated in this Section, occurred before the commencement of Period of Insurance or arising within the Ĥrst 30 days","Exclusions applicable to Ĥrst year of cover","Exclusions applicable to Ĥrst two years of cover","Exclusions applicable to Ĥrst three years of cover","Any medical treatment outside India.","War, invasion, acts of foreign enemies, hostilities","Cosmetic or aesthetic treatments of any description","“Day care Treatments” as deĤned under the policy are excluded from the scope of the Policy","Intentional self-injury","Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this","Any treatment required arising from Insured’s participation in any hazardous activity","Experimental, unproven or any other treatment that is not scientiĤcally recognized."],"display":"Pre-existing disease, first 30 days for illness, 1/2/3-year disease exclusions, treatment outside India, war, cosmetic treatment, day care, self-injury, pregnancy, hazardous activity and experimental treatment","note":null,"quote":"Pre-existing Disease Exclusion: BeneĤts will not be available for any Pre- Existing conditions ... hospitalisation due to sickness / illness, as stated in this Section, occurred before the commencement of Period of Insurance or arising within the Ĥrst 30 days ... Exclusions applicable to Ĥrst year of cover ... Exclusions applicable to Ĥrst two years of cover ... Exclusions applicable to Ĥrst three years of cover ... Any medical treatment outside India. ... War, invasion, acts of foreign enemies, hostilities ... Cosmetic or aesthetic treatments of any description ... “Day care Treatments” as deĤned under the policy are excluded from the scope of the Policy ... Intentional self-injury ... Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this ... Any treatment required arising from Insured’s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing, etc. unless speciĤcally agreed by the Insurer. ... Experimental, unproven or any other treatment that is not scientiĤcally recognized.","sources":[{"clause":"1","heading":"Pre-existing Disease Exclusion: BeneĤts will not be available","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-1-3"},{"clause":"2","heading":"Insurer shall not be liable to make any payment under this","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-2-3"},{"clause":"3","heading":"Exclusions applicable to Ĥrst year of cover from","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-3-3"},{"clause":"4","heading":"Exclusions applicable to Ĥrst two years of cover from","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-4-3"},{"clause":"5","heading":"Exclusions applicable to Ĥrst three years of cover from","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-3"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-6-2"},{"clause":"8","heading":"War, invasion, acts of foreign enemies, hostilities (whether","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-8-2"},{"clause":"11","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-11-2"},{"clause":"14","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-14-2"},{"clause":"16","heading":"Intentional self-injury (including but not limited to the use or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-16-2"},{"clause":"19","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-19-2"},{"clause":"24","heading":"Any treatment required arising from Insured’s participation","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-24-2"},{"clause":"35","heading":"Experimental, unproven or any other treatment that is not","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-35-2"}],"law":[{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 11","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grievance","label":"Grievance route","section":"Claims","meaning":"Who to complain to first, as stated in the policy, before going to the Insurance Ombudsman.","status":"quote-verified","value":"The policy route is Bima Bharosa, or directly Head – Customer Care, then the Grievance Redressal Officer if still not satisfied or no response is received within 5 Business days, and then the Insurance Ombudsman.","display":"Bima Bharosa or Head – Customer Care first, then GRO, then Insurance Ombudsman","note":null,"quote":"Stage 1: Bima Bharosa ... Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. ... In case, you are still not satisĤed with the decision/ resolution communicated by the above oĦcer or have not received any response within 5 Business days, you may\nTamil Nadu, Puducherry Town and Karaikal (which are part of Puducherry). | Shri Somnath Ghosh Insurance Ombudsman OĦce of the Insurance Ombudsman, Fatima Akhtar Court, 4th Floor, 453, Anna Salai, Teynampet, CHENNAI – 600 018. Tel.: 044 - 24333668 / 24333678 Email: bimalokpal.chennai@cioins.co.in\nescalate the matter to the Grievance Redressal OĦcer (GRO) ... Stage 4: Escalation to Insurance Ombudsman","sources":[{"clause":null,"heading":"Stage 1: Bima Bharosa","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-stage-1-bima-bharosa"}],"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 daily hospital cash benefit options are INR 500, INR 1000, INR 1500 and INR 2000, with 30-day or 60-day maximum coverage options. The maximum benefit is restricted to INR 500 per day with maximum coverage of 30 days for insured persons aged 60 and above taking a policy with the insurer for the first time.","display":"INR 500, INR 1000, INR 1500 or INR 2000 per day; 30-day or 60-day maximum coverage","note":"Restriction applies to insured persons aged 60 and above taking the policy for the first time.","quote":"Daily Hospitalization beneĤt due to sickness | 500 | 1000 | 1500 | 2000 ... Plan: (Max coverage: 60 Days) ... Daily Hospitalization beneĤt due to sickness | 500 | 1000 | 1500 | 2000 ... Maximum BeneĤt Amount: INR2, 000/-. However, the Maximum BeneĤt would be restricted to INR 500/- per day with maximum coverage of 30 days for Insured aged 60 and above and taking a policy with us for the Ĥrst time.","sources":[{"clause":null,"heading":"Plan: (Max coverage: 30 Days)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-plan-max-coverage-30-days"},{"clause":null,"heading":"Plan: (Max coverage: 60 Days)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-plan-max-coverage-60-days"},{"clause":"7","heading":"Maximum BeneĤt Amount","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-7"}],"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":"Not applicable for subsequent continuous uninterrupted renewals and hospitalisation due to accidents.","quote":"No beneĤt shall be payable during the term of the Policy for the claim which occurs or where the hospitalisation for the claim has occurred within 30 days of Ĥrst Policy issue Date. Waiting period is not applicable for the subsequent continuous uninterrupted renewals and hospitalisation due to accidents.","sources":[{"clause":"44","heading":"Waiting Period No beneĤt shall be payable during the term","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-44"}],"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":"not-applicable","value":null,"display":null,"note":"The policy does not state a pre-existing disease waiting period; pre-existing conditions are excluded unless stated in the proposal form and specifically accepted and endorsed by the insurer.","quote":null,"sources":[],"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":"years","amount":1},"display":"1 year; 2 years and 3 years for other listed conditions","note":"First-year exclusions apply to the listed ulcers, ENT procedures, tumours/cysts/nodules/polyps, hernia/hydrocele and anal fissures/fistula/piles. Two-year exclusions apply to the listed cataract, BPH, hysterectomy/myomectomy, hypertension/heart disease, diabetes, arthritis/spondylosis/gout/rheumatism, genitourinary surgery, calculus, sinus/nasal disorders, prolapsed intervertebral disc surgery, vertebro-spinal and knee conditions, varicose veins/ulcers and chronic renal failure. Three-year exclusion applies to the listed joint replacement surgery.","quote":"Exclusions applicable to Ĥrst year of cover from commencement of the Policy, from the following Diseases / Illness and its related complications: ... Exclusions applicable to Ĥrst two years of cover from commencement of the Policy, from the following Diseases/ Illness and its related complications: ... Exclusions applicable to Ĥrst three years of cover from commencement of the Policy, from the following Diseases/ Illness and its related complications:","sources":[{"clause":"3","heading":"Exclusions applicable to Ĥrst year of cover from","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-3-3"},{"clause":"4","heading":"Exclusions applicable to Ĥrst two years of cover from","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-4-3"},{"clause":"5","heading":"Exclusions applicable to Ĥrst three years of cover from","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-3"}],"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","Tonsillectomy","Adenoidectomy","Mastoidectomy","Tympanoplasty","All internal or external tumor /cysts/nodules/polyps of any kind including breast lumps","All types of Hernia and Hydrocele","Anal Fissures, Fistula and Piles","Cataract","Benign Prostatic Hypertrophy","Hysterectomy/ myomectomy for menorrhagia or Ĥbromyoma or prolapse of uterus","Hypertension, Heart Disease and related complications","Diabetes and related complications","Non infective Arthritis, Treatment of Spondylosis / Spondilytis, Gout & Rheumatism","Surgery of Genitourinary tract","Calculus Diseases","Sinusitis, nasal disorders and related disorders","Surgery for prolapsed intervertebral disc unless arising from accident","Vertebro-spinal disorders (including disc) and knee conditions","Surgery of varicose veins and varicose ulcers","Chronic Renal failure","Joint replacement surgery due to degenerative condition, age related osteoarthritis and osteoporosis unless such joint replacement surgery is necessitated by Accidental Bodily Injury"],"display":"Ulcers, specified ENT procedures, tumours/cysts/nodules/polyps, hernia/hydrocele, anal fissures/fistula/piles, cataract, BPH, hysterectomy/myomectomy, hypertension/heart disease, diabetes, arthritis/spondylosis/gout/rheumatism, genitourinary surgery, calculus, sinus/nasal disorders, prolapsed disc surgery, vertebro-spinal/knee conditions, varicose veins/ulcers, chronic renal failure and specified joint replacement","note":null,"quote":"a) Any types of gastric or duodenal ulcers,\nb. Tonsillectomy, | Adenoidectomy, | Mastoidectomy,\nTympanoplasty\nc. All internal or external tumor /cysts/nodules/polyps of any kind including breast lumps\nd. All types of Hernia and Hydrocele\ne. Anal Fissures, Fistula and Piles ... a) Cataract\nb) Benign Prostatic Hypertrophy\nc) Hysterectomy/ myomectomy for menorrhagia or Ĥbromyoma or prolapse of uterus\nd) Hypertension, Heart Disease and related complications\ne) Diabetes and related complications\nf) Non infective Arthritis, Treatment of Spondylosis / Spondilytis, Gout & Rheumatism\ng) Surgery of Genitourinary tract\nh) Calculus Diseases\ni) Sinusitis, nasal disorders and related disorders\nj) Surgery for prolapsed intervertebral disc unless arising from accident\nk) Vertebro-spinal disorders (including disc) and knee conditions;\nl) Surgery of varicose veins and varicose ulcers\nm) Chronic Renal failure ... a) 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":"3(a)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-3-a"},{"clause":"4","heading":"Exclusions applicable to Ĥrst two years of cover from","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-4-3"},{"clause":"5(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-a"}],"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":"The documents mention Moratorium period in continuity or portability context, but do not state the moratorium duration or the claim non-rejection rule.","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 may port the policy to other insurers by applying at least 30 days before, but not earlier than 60 days from, the policy renewal date. If continuously covered without lapses under a health insurance policy with an Indian general or health insurer, waiting-period and other credits may be transferred to the acquiring insurer.","display":"Yes, apply 30 to 60 days before renewal; waiting-period credits can be transferred","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 30 days before, but not earlier than 60 days from the Policy Renewal date as per lRDAl 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 is entitled to transfer the credits gained to the extent of the Sum Insured, No Claim Bonus, SpeciĤc Waiting Periods, Waiting Period for Pre-existing Diseases, Moratorium Period, etc.","sources":[{"clause":null,"heading":"Portability","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#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":"Beyond 70 years, renewal is subject to the insured accepting the applicable premium and additional loading for the age band.","quote":"Renewable up to : No exit age. However, beyond 70 years the renewal will be allowed subject to Insured accepting to pay the premium and additional loading as applicable for the age band in which the Insured falls at the time of renewal and as approved by IRDA.","sources":[{"clause":"4","heading":"Renewable up to","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-4"}],"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 shall apply on renewals based on individual claims experience.","display":"No claim-based renewal loading","note":null,"quote":"No loading shall apply on Renewals based on individual Claims experience.","sources":[{"clause":"10","heading":"Renewal","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-10-3"}],"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 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":["Any medical treatment outside India.","Epidemics recognized by WHO or/and Indian state / central government/state govt.","War, invasion, acts of foreign enemies, hostilities","Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/materials.","Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident","Cosmetic or aesthetic treatments of any description","Prostheses, corrective devices, medical appliances, external medical equipment of any kind used at home","Dental treatment or surgery of any kind unless required as a result of Accidental Bodily Injury","“Day care Treatments” as deĤned under the policy are excluded from the scope of the Policy","Intentional self-injury","Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for deaddiction.","Venereal disease or any sexually transmitted disease or sickness.","Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this","Any fertility, sub fertility or assisted conception operation or sterilization procedure and related treatment.","Vaccination or inoculation except as post bite treatment for animal bite","Any treatment required arising from Insured’s participation in any hazardous activity","Genetic disorders and stem cell implantation / surgery/storage.","Treatments in health hydro, spas, nature care clinics and the like.","Treatment with alternative medicines like Ayurvedic, Homeopathic, acupuncture, acupressure, osteopath, naturopathy, chiropractic, reĥexology and aromatherapy.","Treatment for obesity, weight reduction or weight management.","Experimental, unproven or any other treatment that is not scientiĤcally recognized."],"display":"Permanent exclusions include treatment outside India, epidemics, war, nuclear causes, cosmetic treatment, home medical equipment, dental treatment except accident, day care, self-injury, substance abuse, sexually transmitted disease, pregnancy, fertility treatment, hazardous activity, genetic/stem-cell treatment, hydros/spas/nature care, alternative medicine, obesity treatment and experimental treatment","note":null,"quote":"Any medical treatment outside India. ... Epidemics recognized by WHO or/and Indian state / central government/state govt. ... War, invasion, acts of foreign enemies, hostilities ... Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/materials. ... Circumcision unless necessary for treatment of a disease, illness or injury not excluded hereunder, or, as may be necessitated due to an accident ... Cosmetic or aesthetic treatments of any description ... Prostheses, corrective devices, medical appliances, external medical equipment of any kind used at home ... Dental treatment or surgery of any kind unless required as a result of Accidental Bodily Injury ... “Day care Treatments” as deĤned under the policy are excluded from the scope of the Policy ... Intentional self-injury ... Ailments requiring treatment due to use or abuse of any substance, drug or alcohol and treatment for deaddiction. ... Venereal disease or any sexually transmitted disease or sickness. ... Treatment arising from or traceable to pregnancy childbirth, miscarriage, abortion or complications of any of this ... Any fertility, sub fertility or assisted conception operation or sterilization procedure and related treatment. ... Vaccination or inoculation except as post bite treatment for animal bite ... Any treatment required arising from Insured’s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing, etc. unless speciĤcally agreed by the Insurer. ... Genetic disorders and stem cell implantation / surgery/storage. ... Treatments in health hydro, spas, nature care clinics and the like. ... Treatment with alternative medicines like Ayurvedic, Homeopathic, acupuncture, acupressure, osteopath, naturopathy, chiropractic, reĥexology and aromatherapy. ... Treatment for obesity, weight reduction or weight management. ... Experimental, unproven or any other treatment that is not scientiĤcally recognized.","sources":[{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-6-2"},{"clause":"7","heading":"Epidemics recognized by WHO or/and Indian state / central","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-7-2"},{"clause":"8","heading":"War, invasion, acts of foreign enemies, hostilities (whether","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-8-2"},{"clause":"9","heading":"Injury or Disease directly or indirectly caused by or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-9-2"},{"clause":"10","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-10-2"},{"clause":"11","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-11-2"},{"clause":"12","heading":"Prostheses, corrective devices, medical appliances, external","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-12-2"},{"clause":"13","heading":"Dental treatment or surgery of any kind unless required as a","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-13-2"},{"clause":"14","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-14-2"},{"clause":"16","heading":"Intentional self-injury (including but not limited to the use or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-16-2"},{"clause":"17","heading":"Ailments requiring treatment due to use or abuse of any","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-17-2"},{"clause":"18","heading":"Venereal disease or any sexually transmitted disease or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-18-2"},{"clause":"19","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-19-2"},{"clause":"20","heading":"Any fertility, sub fertility or assisted conception operation or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-20-2"},{"clause":"21","heading":"Vaccination or inoculation except as post bite treatment for","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-21-2"},{"clause":"24","heading":"Any treatment required arising from Insured’s participation","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-24-2"},{"clause":"25","heading":"Genetic disorders and stem cell implantation /","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-25-2"},{"clause":"27","heading":"Treatments in health hydro, spas, nature care clinics and the","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-27-2"},{"clause":"29","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-29-2"},{"clause":"34","heading":"Treatment for obesity, weight reduction or weight","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-34-2"},{"clause":"35","heading":"Experimental, unproven or any other treatment that is not","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-35-2"}],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may cancel by written notice, and the insurer will refund premium at the insured’s short period rate if no claim has occurred up to cancellation: up to one month 75% of annual rate, up to three months 50% of annual rate, up to six months 25% of annual rate, and exceeding six months nil.","display":"Short-period refund if no claim: up to one month 75%, up to three months 50%, up to six months 25%, exceeding six months nil","note":null,"quote":"The Insured may at any time cancel this policy by giving a written notice to the insurer and in such event Insurer shall allow refund of premium at Insured’s short period rate only (table given here below) provided no claim has occurred up to the date of cancellation.\nPeriod on risk | Rate of premium refunded ... Up to one month | 75% of annual rate ... Up to three months | 50%of annual rate ... Up to six months | 25% of annual rate ... Exceeding six months | Nil","sources":[{"clause":"8","heading":"Penal Interest Provision - Upon acceptance of an oģer of","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-8-3"},{"clause":"9","heading":"Fraudulent Claims","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-9-3"}],"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 cover is India only: accidental bodily injury is covered anywhere in India, and medical treatment outside India is excluded.","display":"India only","note":null,"quote":"Insurer will cover Accidental Bodily Injury sustained by the Insured during the Policy Period anywhere in India. ... Any medical treatment outside India.","sources":[{"clause":"14","heading":"Territorial Limits and Law","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-14-3"},{"clause":"6","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-6-2"}],"law":[]},{"key":"free_look","label":"Free-look period","section":"Renewal and rights","meaning":"Days after you receive the policy in which you can return it for a refund if you do not agree with its terms.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"For new individual health insurance policies except those with tenure of less than a year.","quote":"Every Policyholder of new individual health insurance policies except those with tenure of less than a year, shall be provided a free look period of 30 days beginning from the date of receipt of Policy document, whether received electronically or otherwise, to review the terms and conditions of such Policy.","sources":[{"clause":"2(i)","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-2-i"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Minimum entry age is 18 years for adults and 90 days for children if either parent is concurrently insured. Maximum entry age is 65 years.","display":"Adults 18 to 65 years; children 90 days if either parent is insured","note":null,"quote":"Min Age Entry: 18 yrs. ... Min Age Entry for Children: 90 days and children covered only if either of the parents are concurrently insured with us. ... Max Age Entry: 65 Yrs.","sources":[{"clause":"1","heading":"Min Age Entry","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-1"},{"clause":"2","heading":"Min Age Entry for Children","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-2"},{"clause":"3","heading":"Max Age Entry","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-3"}],"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 modes, but do not state which premium payment modes can be chosen 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. The grace-period definition also says insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"Coverage is not available during the Grace Period","note":"The definition says coverage must be offered during the grace period if the premium is paid in instalments during the policy period.","quote":"Coverage is not available during the Grace Period. ... Provided the insurers shall oģer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"10","heading":"Renewal","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-10-3"},{"clause":"19","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-19"}],"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 INR 500, INR 1000, INR 1500 or INR 2000 depending on plan. Accident hospital confinement and ICU hospitalisation pay twice the Hospital Daily Cash benefit.","display":"INR 500, INR 1000, INR 1500 or INR 2000 per day; accident and ICU pay twice","note":null,"quote":"Daily Hospitalization beneĤt due to sickness | 500 | 1000 | 1500 | 2000\nICU Hospitalisation (max. 7 days) (Max 15 days per Policy Period) | 1000 | 2000 | 3000 | 4000\nAccident hospital conĤnement | 1000 | 2000 | 3000 | 4000","sources":[{"clause":null,"heading":"Plan: (Max coverage: 30 Days)","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-plan-max-coverage-30-days"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"The maximum benefit payable is 30/60 days within any policy period as stated in the insured’s schedule. Accident double benefit applies for a maximum of 5 days per hospitalisation and 10 days per policy period, and ICU double benefit applies for a maximum of 7 days per hospitalisation and 15 days per policy period.","display":"30/60 days per policy period; accident double benefit max 5 days per hospitalisation/10 per policy period; ICU double benefit max 7 days per hospitalisation/15 per policy period","note":"A separate per-admission maximum for ordinary sickness daily cash is not stated.","quote":"The maximum beneĤt payable will be 30/60 days as stated in Insured’s schedule within any Policy Period. ... This is applicable for a maximum of 5 days per Hospitalisation subject to maximum of 10 days per Policy Period; ... This is applicable for a maximum of 7 days per Hospitalisation subject to maximum of 15 days per Policy Period;","sources":[{"clause":null,"heading":"Scope of Cover","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951#c-scope-of-cover"}],"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 policy has a deductible or excess equivalent to the first 24 hours of hospitalisation for each hospitalisation, before benefits are payable. Hospital Daily Cash benefit is for each continuous and completed period of 24 hours of hospitalisation.","display":"First 24 hours are deductible; benefit is for each completed 24 hours of hospitalisation","note":null,"quote":"Deductible means cost sharing requirement under this policy that provides that insurer will not be liable for a period of 24 hours hospitalization which will apply before any beneĤts are payable by the insurer. ... Hospital Daily Cash beneĤt for each continuous and completed period of 24 hours of hospitalization; ... An excess equivalent to the Ĥrst 24 hours Hospitalization beneĤt will be levied on each and every Hospitalisation during the Policy Period.","sources":[{"clause":"12","heading":"Deductible","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-12"},{"clause":"1","heading":"Hospital Daily Cash beneĤt for each continuous and","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-1-2"},{"clause":"5","heading":"The maximum beneĤt payable will be as stated in Policy","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952#c-5-2"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospital Daily Cash Insurance Policy Policy Wordings","pages":8,"fetched_at":"2026-10-17 19:59:03+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Insurance_Policy_PW_5bea7f66b6.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14952"},{"kind":"wording","label":"Hospital Daily Cash Insurance Policy (IRDAI copy)","pages":15,"fetched_at":"2026-10-20 02:21:43+00","source_url":"https://irdai.gov.in/documents/37343/931203/Hospital+Daily+Cash+Insurance+Policy_2013-2014.pdf/5880f029-dcb2-0b36-0a9e-69ce21ea4ecb?version=1.1&t=1668329115348&download=true","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/28108"},{"kind":"prospectus","label":"Hospital Daily Cash Insurance Policy Prospectus","pages":6,"fetched_at":"2026-10-17 19:59:01+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Insurance_Propsectus_13849eb7b0.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14951"},{"kind":"cis","label":"Hospital Daily Cash Insurance Policy CIS","pages":5,"fetched_at":"2026-10-17 19:58:43+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Insurance_Policy_CIS_41749a234d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011/document/14943"}],"versions":[{"uin":"IRDA/NL-HLT/SBIGI/P-H/V.I/41/13-14","version":null,"approved_on":null},{"uin":"SBIHLIP11003V011011","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"SBI General Insurance official website","url":"https://www.sbigeneral.in/","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":"Health claims","url":"https://www.sbigeneral.in/claim/health","note":null},{"purpose":"claim","kind":"insurer","name":"Home claims","url":"https://www.sbigeneral.in/claim/home","note":null},{"purpose":"claim","kind":"insurer","name":"Motor claims","url":"https://www.sbigeneral.in/claim/motor","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.sbigeneral.in/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":"Policy renewal","url":"https://www.sbigeneral.in/policy-renewal","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":"Hospital Daily Cash Insurance Policy (UIN SBIHLIP11003V011011), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-insurance-policy-sbihlip11003v011011"}