{"uin":"SBIHLIP23181V012223","name":"HospiCash Flexi Insurance","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223","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":null,"withdrawn_on":null,"summary":"HospiCash Flexi Insurance is a benefit health policy that pays fixed hospital daily cash for accident or sickness hospitalisation. The base Hospital Daily Cash options are 500 to 5000 per day with maximum day options of 10 to 100, and optional covers include accident, ICU, convalescence, compassionate, day care, maternity, waiting-period changes and increased deductible/franchise.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:50:31.978138+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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"policy_term","label":"Policy term","section":"Eligibility","meaning":"How long one policy runs before it ends or must be renewed.","status":"quote-verified","value":"Minimum 12 months; after 12 months, in multiples of 1 month; maximum up to 60 months.","display":"Minimum 12 months; after 12 months, in multiples of 1 month; maximum up to 60 months","note":null,"quote":"Policy Period | Minimum 12 months,after 12 months, in multiples of 1month, Maximum up to 60 months","sources":[{"clause":null,"heading":"Stage 4: Escalation to Insurance Ombudsman","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-stage-4-escalation-to-insurance-ombudsman"}],"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":"Claim intimation must be within 48 hours of admission or before discharge from the Hospital, whichever is earlier.","display":"Within 48 hours of admission or before discharge, whichever is earlier","note":null,"quote":"Claim Intimation timelines | Within 48 hours of admission or before discharge from the Hospital, whichever is earlier","sources":[{"clause":"32(II)(d)(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-d-ii"}],"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":["Duly filled and signed claim form","Certified copy of Hospital discharge Summary with first consultation paper (if any)","Certified copy of Diagnostic report confirming diagnosis.","Certified copy of final hospital bill with detailed break up","KYC documents of primary insured/beneficiary","Beneficiary (Primary Insured) bank account / NEFT details","Any additional documents may be called as required based on the circumstances of the claim."],"display":"Claim form, discharge summary with first consultation paper, diagnostic report, final hospital bill, KYC documents, bank/NEFT details, and any additional documents required","note":null,"quote":"List of necessary claim documents/information to be submitted for reimbursement are as following:\n1. Duly filled and signed claim form\n2. Certified copy of Hospital discharge Summary with first consultation paper (if any)\n3. Certified copy of Diagnostic report confirming diagnosis.\n4. Certified copy of final hospital bill with detailed break up\n5. KYC documents of primary insured/beneficiary\n6. Beneficiary (Primary Insured) bank account / NEFT details Any additional documents may be called as required based on the circumstances of the claim.","sources":[{"clause":"32(II)(c)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-c"}],"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 Company shall settle or reject a claim within 15 days from the date of receipt of claim submission.","display":"Settle or reject within 15 days from receipt of claim submission","note":null,"quote":"The Company shall settle or reject a claim within 15 days from the date of receipt of claim submission.","sources":[{"clause":"32(II)(d)(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-d-i"}],"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 Diseases (Code- Excl01)","Specified disease/procedure waiting period- Code- Excl02","30-day waiting period- Code- Excl03","Maternity Waiting period","Investigation & Evaluation- Code- Excl04","Rest Cure, rehabilitation and respite care- Code- Excl05","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excl10 )","Excluded Providers: (Code-Excl 11)","Maternity (Code-Excl 18)","Any medical treatment outside India.","War, invasion, acts of foreign enemies, hostilities","Intentional self-injury","Outpatient diagnostic, medical and surgical procedures or treatments"],"display":"PED, specified disease/procedure waiting period, 30-day waiting period, maternity waiting period, investigation and evaluation, rest cure, hazardous/adventure sports, breach of law, excluded providers, maternity, treatment outside India, war, intentional self-injury and outpatient procedures","note":null,"quote":"1 Pre-Existing Diseases (Code- Excl01) ... 2 Specified disease/procedure waiting period- Code- Excl02 ... 3. 30-day waiting period- Code- Excl03 ... 4 Maternity Waiting period (applicable only if optional cover ... 5 Investigation & Evaluation- Code- Excl04 ... 6 Rest Cure, rehabilitation and respite care- Code- Excl05 ... 10 Hazardous or Adventure sports: (Code- Excl09) ... 11 Breach of law: (Code- Excl10 ) ... 12 Excluded Providers: (Code-Excl 11) ... 19 Maternity (Code-Excl 18) ... Any medical treatment outside India. ... War, invasion, acts of foreign enemies, hostilities (whether war be ... Intentional self-injury (including but not limited to the use or ... Outpatient diagnostic, medical and surgical procedures or","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-1"},{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-2"},{"clause":null,"heading":"3. 30-day waiting period- Code- Excl03","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-3-30-day-waiting-period-code-excl03"},{"clause":"4","heading":"Maternity Waiting period (applicable only if optional cover","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-4"},{"clause":"5","heading":"Investigation & Evaluation- Code- Excl04","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-5-2"},{"clause":"6","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-6-2"},{"clause":"10","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-10-2"},{"clause":"11","heading":"Breach of law: (Code- Excl10 )","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-11-2"},{"clause":"12","heading":"Excluded Providers: (Code-Excl 11)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-12-2"},{"clause":"19","heading":"Maternity (Code-Excl 18)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-19-2"},{"clause":"20","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-20-2"},{"clause":"23","heading":"War, invasion, acts of foreign enemies, hostilities (whether war be","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-23-2"},{"clause":"29","heading":"Intentional self-injury (including but not limited to the use or","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-29-2"},{"clause":"32","heading":"Outpatient diagnostic, medical and surgical procedures or","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-2"}],"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":"You can register a grievance on Bima Bharosa or write to the Head – Customer Care. If not satisfied with the decision/resolution or if no response is received within 5 Business days, you may escalate to the Grievance Redressal Officer before going to the Insurance Ombudsman.","display":"Bima Bharosa or Head – Customer Care first; then Grievance Redressal Officer; then Insurance Ombudsman","note":null,"quote":"You can register your grievances with the regulator using the following link: https://bimabharosa.irdai.gov.in/Home/Home ... 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 satisfied with the decision/ resolution communicated by the above officer or have not received any response within 5 Business days, you may escalate the matter to the Grievance Redressal Officer (GRO) ... If you feel that the response to your Grievance was unsatisfactory, or if you believe your concerns have not been adequately addressed by the company, you may escalate the matter to the Insurance Ombudsman.","sources":[{"clause":null,"heading":"Stage 1: Bima Bharosa","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-stage-1-bima-bharosa"},{"clause":null,"heading":"Stage 2: Head – Customer Care","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-stage-3-grievance-redressal-officer-gro"},{"clause":null,"heading":"Stage 4: Escalation to Insurance Ombudsman","page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-stage-4-escalation-to-insurance-ombudsman"}],"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":"For the base Accident and Sickness Hospital Cash Benefit, the Per Day Hospital Daily Cash limit options are 500/750/1000/1500/2000/2500/3000/3500/4000/4500/5000, with maximum number of days options 10/15/20/30/60/90/100.","display":"HDC 500/750/1000/1500/2000/2500/3000/3500/4000/4500/5000 per day; max days 10/15/20/30/60/90/100","note":"For cover-wise limits, the CIS says to refer to the policy schedule.","quote":"Per Day Hospital Daily Cash(HDC) limit 500/750/ 1000/1500/2000/ 2500/3000/3500/ 4000/4500/5000. Maximum no. of days options – 10/ 15/20/30/60/90/ 100","sources":[{"clause":"Row 1","heading":"Accident and Sickness Hospital Cash Benefit","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-row-1"}],"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":"Accident claims are excepted. If the optional Other waiting periods cover Option 1 is chosen, the 30-day waiting period is waived.","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 ... Option 1. 30 days waiver - Subsequent to this endorsement, 30-day waiting period- Code-","sources":[{"clause":null,"heading":"3. 30-day waiting period- Code- Excl03","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-3-30-day-waiting-period-code-excl03"},{"clause":"B.7","heading":"- Other waiting periods","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-7"}],"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":"Optional Other waiting periods cover can reduce the PED waiting period to 1 year, 2 years, 3 years, or delete it, depending on the option chosen.","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. ... Option 4: 1 year waiting period for Pre-Existing Diseases - Subsequent to this endorsement, General Exclusions (Code- Excl01) cover stands modified for all the Insured Persons in the Policy with reference to waiting period being reduced to 1 year","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-1"},{"clause":"Excl03","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-excl03"}],"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","note":"This exclusion is not applicable for claims arising due to an accident. The optional Other waiting periods cover can change the specific illness waiting period to 24 months or waive it.","quote":"Expenses related to the treatment of the listed conditions; surgeries/treatments shall be excluded until the expiry of 1 Year of continuous coverage after the date of inception of the first policy with us. ... Option 2: 2 years Specific illness waiting period - Subsequent to this endorsement, specified disease/procedure waiting period- Code- Excl02 cover stands modified for all the Insured Persons in the policy with reference to waiting period being increased to 24 months.","sources":[{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-2-a"},{"clause":"Excl03","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-excl03"}],"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":["Cataract","Benign Prostatic Hypertrophy","Hysterectomy/myomectomy for menorrhagia or fibro- myoma or prolapse of uterus","Non infective Arthritis, Treatment of Spondylosis / Spondylitis, Gout & Rheumatism","Surgery of Genitourinary tract","Calculus Diseases of any etiology","Sinusitis and related disorders","Surgery for prolapsed intervertebral disc unless arising from accident","Surgery of varicose veins and varicose ulcers","Chronic Renal failure including dialysis"],"display":"Cataract; benign prostatic hypertrophy; hysterectomy/myomectomy; non-infective arthritis, spondylosis/spondylitis, gout and rheumatism; genitourinary tract surgery; calculus diseases; sinusitis; prolapsed intervertebral disc surgery; varicose veins/ulcers surgery; chronic renal failure including dialysis","note":null,"quote":"List of specific diseases/procedures\n• Cataract\n• Benign Prostatic Hypertrophy\n• Hysterectomy/myomectomy for menorrhagia or fibro- myoma or prolapse of uterus\n• Non infective Arthritis, Treatment of Spondylosis / Spondylitis, Gout & Rheumatism\n• Surgery of Genitourinary tract\n• Calculus Diseases of any etiology\n• Sinusitis and related disorders\n• Surgery for prolapsed intervertebral disc unless arising from accident\n• Surgery of varicose veins and varicose ulcers\n• Chronic Renal failure including dialysis","sources":[{"clause":"2(e)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-2-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":"quote-verified","value":{"unit":"months","amount":60},"display":"sixty continuous months","note":"For enhanced Sum Insured, the sixty continuous months apply from the date of enhancement only on the enhanced limits.","quote":"After completion of sixty continuous months of coverage (including portability and migration) in health insurance Policy, no Policy and claim shall be contestable by the I n s u r e r o n g r o u n d s o f n o n - d i s c l o s u r e , misrepresentation, except on grounds of established fraud.","sources":[{"clause":"32(c)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-c"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"not-stated","value":null,"display":null,"note":"The moratorium clause mentions coverage including portability and migration, but the documents do not state the portability right or waiting-period credit process.","quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Lifelong","note":"From the prospectus.","quote":"Max Renewal Age | Lifelong","sources":[{"clause":null,"heading":"Age Criteria","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15069#c-age-criteria"}],"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.","display":"No loading on renewals based on individual claims","note":null,"quote":"No loading shall apply on Renewals based on individual Claims","sources":[{"clause":"32(II)(d)(vi)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-d-vi"}],"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":"You may cancel by giving written notice in 15-days by recorded delivery. For a 1 Year Policy Period, return premium is 75% if cancelled in 1–3 months, 50% in 4–6 months, 25% in 6–9 months, and 0% in 9–12 months.","display":"15-days notice; refund 75% for 1–3 months, 50% for 4–6 months, 25% for 6–9 months, 0% for 9–12 months","note":null,"quote":"You may cancel this policy at any time by giving Us written notice in 15-days by recorded delivery. In the event of such cancellation, We shall refund premium for the unexpired Policy Period as detailed below.\n1 Year Policy Period:\nPolicy Period | 1\nPeriod of Cancellation | % Return Premium\n1 – 3 months | 75%\n4 – 6 months | 50%\n6 – 9 months | 25%\n9 – 12 months | 0%","sources":[{"clause":"32(I)","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-i-2"}],"law":[{"title":"The Insurance Act, 1938","section":"Section 64VB","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 8","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 6","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 17","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.4","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, IV.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"territory","label":"Where it covers","section":"Overview","meaning":"Geographic area of cover: India only, worldwide, or listed countries. 'As stated in the schedule' is not an answer.","status":"quote-verified","value":"The policy excludes any medical treatment outside India, so the cover is India only.","display":"India only","note":"This is stated as a specific exclusion.","quote":"Any medical treatment outside India.","sources":[{"clause":"20","heading":null,"page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-20-2"}],"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 from receipt of Policy document","note":"Applies to 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":"32(i)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-i-3"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 5","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 5","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(1), 20(2)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(3) to 20(5)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 20(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, II.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, III.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"grace_period","label":"Grace period","section":"Renewal and rights","meaning":"Days you get after the due date to pay without losing cover or continuity.","status":"quote-verified","value":{"unit":"days","amount":30},"display":"30 days","note":"For monthly premium payment mode, the standard definition states fifteen days; for all other cases it states thirty days.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. ... The grace period for payment of the premium for all types of insurance policies shall be: fifteen days where premium payment mode is monthly and thirty days in all other cases.","sources":[{"clause":"32(II)(d)(v)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-d-v"},{"clause":"16","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-16"}],"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":"Adult entry age is 18 years – 65 years. Child entry age is 91 days – 25 years.","display":"Adult: 18 years – 65 years; Child: 91 days – 25 years","note":"From the prospectus.","quote":"Entry Age – Adult | 18 years – 65 years\nEntry Age – Child | 91 days – 25 years","sources":[{"clause":null,"heading":"Age Criteria","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15069#c-age-criteria"}],"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 policy says premium is payable according to the schedule of payments in the Policy Schedule, but it does not list payment modes.","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":"quote-verified","value":["Accident hospital cash benefit","ICU cash benefit","Convalescence benefit","Compassionate benefit","Day care treatment benefit","Maternity hospital cash benefit","Other waiting periods","INCREASED DEDUCTIBLE/FRANCHISE"],"display":"Accident hospital cash, ICU cash, convalescence, compassionate, day care treatment, maternity hospital cash, other waiting periods and increased deductible/franchise","note":"These covers apply only if opted and may require additional premium or reduction in premium as applicable.","quote":"In consideration of payment of additional Premium or reduction in the Premium as applicable, it is hereby declared and agreed that Policy is extended to pay daily allowance as specified in the below listed Covers ... B.1 Accident hospital cash benefit ... B.2 ICU cash benefit ... B.3 Convalescence benefit ... B.4 Compassionate benefit ... B.5 Day care treatment benefit ... B.6 Maternity hospital cash benefit ... B.7 - Other waiting periods ... B.8 – INCREASED DEDUCTIBLE/FRANCHISE","sources":[{"clause":null,"heading":"B. Optional covers","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-optional-covers"},{"clause":"B.1","heading":"Accident hospital cash benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-1"},{"clause":"B.2","heading":"ICU cash benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-2"},{"clause":"B.3","heading":"Convalescence benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-3"},{"clause":"B.4","heading":"Compassionate benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-4"},{"clause":"B.5","heading":"Day care treatment benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-5"},{"clause":"B.6","heading":"Maternity hospital cash benefit","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-6"},{"clause":"B.7","heading":"- Other waiting periods","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-7"},{"clause":"B.8","heading":"– INCREASED DEDUCTIBLE/FRANCHISE","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-b-8"}],"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 at the end of the Policy Period. For premium paid in instalments during the policy period, the definition says insurers shall offer coverage during the grace period.","display":"Coverage is not available during the Grace Period","note":"The instalment-premium statement appears in the grace period definition; the renewal condition says coverage is not available during the Grace Period.","quote":"At the end of the Policy Period, the Policy shall terminate and can be renewed within the Grace Period of 30 days to maintain continuity of benefits without Break in Policy. Coverage is not available during the Grace Period. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period.","sources":[{"clause":"32(II)(d)(v)","heading":null,"page":11,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-32-ii-d-v"},{"clause":"16","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-16"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"The base Accident and Sickness Hospital Cash Benefit offers Per Day Hospital Daily Cash limits of 500/750/1000/1500/2000/2500/3000/3500/4000/4500/5000.","display":"500/750/1000/1500/2000/2500/3000/3500/4000/4500/5000 per day","note":null,"quote":"Per Day Hospital Daily Cash(HDC) limit 500/750/ 1000/1500/2000/ 2500/3000/3500/ 4000/4500/5000.","sources":[{"clause":"Row 1","heading":"Accident and Sickness Hospital Cash Benefit","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-row-1"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"For the base Accident and Sickness Hospital Cash Benefit, maximum number of days options are 10/15/20/30/60/90/100 during each Policy Year. A separate per-admission maximum is not stated; the policy says the maximum period is as stated in the Policy Schedule/Certificate of Insurance.","display":"10/15/20/30/60/90/100 days options during each Policy Year","note":"Per-admission maximum is not separately stated in the extracted wording.","quote":"Maximum no. of days options – 10/ 15/20/30/60/90/ 100 ... for a maximum period as stated in the Policy Schedule/Certificate of Insurance, during each Policy Year.","sources":[{"clause":"Row 1","heading":"Accident and Sickness Hospital Cash Benefit","page":12,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-row-1"},{"clause":"A.1","heading":"Accident and sickness hospital cash benefit policy holder","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-a-1"}],"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":"Hospitalisation means admission in a Hospital for a minimum period of 24 consecutive hours, except specified procedures/treatments. The base cover applies a franchise/deductible of 1 day per hospitalization.","display":"Minimum 24 consecutive hours; 1 day franchise/deductible per hospitalization","note":null,"quote":"Hospitalization or Hospitalised means admission in a Hospital for a minimum period of 24 In-patient Care consecutive hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours. ... A franchise/deductible of 1 day as stated in the Policy Schedule/Certificate of Insurance will be applicable, per hospitalization in a Policy Year.","sources":[{"clause":"18","heading":"Hospitalization or Hospitalised","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-18"},{"clause":"A.1","heading":"Accident and sickness hospital cash benefit policy holder","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092#c-a-1"}],"law":[]}],"documents":[{"kind":"wording","label":"HospiCash Flexi Insurance Policy Wordings","pages":14,"fetched_at":"2026-10-17 20:03:49+00","source_url":"https://content.sbigeneral.in/uploads/Hospicash_Flexi_Insurance_Policy_Wording_cdr15_rev_KEN_62ad313e82.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15092"},{"kind":"prospectus","label":"HospiCash Flexi Insurance Prospectus","pages":8,"fetched_at":"2026-10-17 20:03:10+00","source_url":"https://content.sbigeneral.in/uploads/Hospicash_Flexi_Insurance_Propsectus_KEN_0ec30a6722.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15069"},{"kind":"cis","label":"HospiCash Flexi Insurance Customer Information Sheet","pages":5,"fetched_at":"2026-10-17 20:03:09+00","source_url":"https://content.sbigeneral.in/uploads/Hospicash_Flexi_CIS_KEN_8209f5c71d.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223/document/15067"}],"versions":[],"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":"HospiCash Flexi Insurance (UIN SBIHLIP23181V012223), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/hospicash-flexi-insurance-sbihlip23181v012223"}