{"uin":"SBIPAGP22182V012122","name":"Hospital Daily Cash -Group","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122","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":"Hospital Daily Cash-Group is a benefit health policy that pays a daily allowance for each calendar day of hospitalisation due to accidental bodily injury or illness. The base daily cash options are 500 to 5000 per day with policy-period day options of 10,15,20,30,60,90,100 and optional covers such as accident hospital cash, ICU cash, convalescence, compassionate, day care, maternity, shorter waiting periods and increased deductible/franchise.","analysis":{"state":"machine","analysed_at":"2026-10-19 23:01:54.318238+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":["Individual basis","Individual Family basis","Family Floater basis"],"display":"Individual basis; Individual Family basis; Family Floater basis","note":null,"quote":"Type Of Policy\n• Individual basis\n• Individual Family basis\n• Family Floater basis","sources":[{"clause":null,"heading":"Type Of Policy","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077#c-type-of-policy"}],"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":"This policy can be issued for a tenure of 1 year only.","display":"1 year only","note":"From the prospectus; the policy wording defines the policy period by the Policy Schedule/Certificate of Insurance but does not state a fixed term.","quote":"This policy can be issued for a tenure of 1 year only.","sources":[{"clause":null,"heading":"Period Of Insurance","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077#c-period-of-insurance"}],"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 made 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":"1(II)","heading":null,"page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-1-ii-2"}],"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, diagnostic report, final hospital bill, KYC, bank/NEFT details and any additional documents required","note":"Claim related documents need to be sent within 30 days of date of discharge from hospital.","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) ... 3 Certified copy of Diagnostic report confirming\ndiagnosis. ... 4 Certified copy of final hospital bill with detailed\nbreak up ... KYC documents of primary insured/beneficiary ... NEFT details Any additional documents may be called as required based on the circumstances of the claim.","sources":[{"clause":"1(II)(c)","heading":"Endorsements","page":9,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-1-ii-c"},{"clause":"3","heading":"Certified copy of Diagnostic report confirming","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-3-2"},{"clause":"4","heading":"Certified copy of final hospital bill with detailed","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-4-3"},{"clause":"5","heading":"KYC documents of primary insured/beneficiary","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-5-3"},{"clause":"6","heading":"Beneficiary (Primary Insured) bank account /","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-3"}],"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. If payment is delayed, interest is payable from receipt of claim submission to payment at 2% above the bank rate.","display":"Within 15 days from receipt of claim submission; delay interest 2% above bank rate","note":null,"quote":"The Company shall settle or reject a claim within 15 days from the date of receipt of claim submission. ... the Company shall be liable to pay interest to the Insured Person from the date of receipt of claim submission to the date of payment of claim at a rate 2% above the bank rate.","sources":[{"clause":"6(i)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-i"},{"clause":"6(ii)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-ii"}],"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","Obesity/ Weight Control: Code- ExcI06","Change of Gender Treatments (Code- Excl 07)","Cosmetic or Plastic Surgery: (Code- Excl08)","Hazardous or Adventure sports: (Code- Excl09)","Breach of law: (Code- Excl10 )","Excluded Providers: (Code-Excl 11)","Any medical treatment outside India.","War, invasion, acts of foreign enemies, hostilities","Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)"],"display":"Waiting periods, standard exclusions and specific exclusions including outside-India treatment, war and intentional self-injury","note":null,"quote":"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 ... Obesity/ Weight Control: Code- ExcI06 ... Change of Gender Treatments (Code- Excl 07) ... Cosmetic or Plastic Surgery: (Code- Excl08) ... Hazardous or Adventure sports: (Code- Excl09) ... Breach of law: (Code- Excl10 ) ... Excluded Providers: (Code-Excl 11) ... Any medical treatment outside India. ... War, invasion, acts of foreign enemies, hostilities (whether war be declared or not) ... Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol)","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-1-2"},{"clause":"2","heading":"Specified disease/procedure waiting period- Code- Excl02","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-2-2"},{"clause":null,"heading":"3. 30-day waiting period- Code- Excl03","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-3-30-day-waiting-period-code-excl03"},{"clause":"4","heading":"Maternity Waiting period (applicable only if optional cover","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-4-2"},{"clause":"5","heading":"Investigation & Evaluation- Code- Excl04","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-5-2"},{"clause":"6","heading":"Rest Cure, rehabilitation and respite care- Code- Excl05","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-2"},{"clause":"7","heading":"Obesity/ Weight Control: Code- ExcI06","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-7-2"},{"clause":"8","heading":"Change of Gender Treatments (Code- Excl 07)","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-8-2"},{"clause":"9","heading":"Cosmetic or Plastic Surgery: (Code- Excl08)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-9-2"},{"clause":"10","heading":"Hazardous or Adventure sports: (Code- Excl09)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-10-2"},{"clause":"11","heading":"Breach of law: (Code- Excl10 )","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-11-2"},{"clause":"12","heading":"Excluded Providers: (Code-Excl 11)","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-12-2"},{"clause":"19","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-19-2"},{"clause":"22","heading":"War, invasion, acts of foreign enemies, hostilities (whether war be","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-22-2"},{"clause":"28","heading":"Intentional self-injury (including but not limited to the use or","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-28-2"}],"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":"For grievances, the policy lists Bima Bharosa and also says the policyholder may write directly to the Head – Customer Care. If not satisfied with that decision/resolution or no response is received within 5 days, the matter may be escalated to the Grievance Redressal Officer before escalation to the Insurance Ombudsman.","display":"Head – Customer Care, then Grievance Redressal Officer (GRO), then Insurance Ombudsman","note":"The policy also lists Stage 1 as Bima Bharosa.","quote":"Alternatively, if you wish to register your grievances directly with us, you may write to the Head – Customer Care. We aim to respond to all Grievances within 7 days. ... In case, you are still not satisfied with the decision/resolution communicated by the above officer or have not received any response within 5 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 2: Head – Customer Care","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-stage-2-head-customer-care"},{"clause":null,"heading":"Stage 3: Grievance Redressal Officer (GRO)","page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#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/hospital-daily-cash-group-sbipagp22182v012122/document/15103#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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 covered. The optional Other Waiting Periods cover can waive the 30-day waiting period.","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- Excl03 cover stands deleted for all the Insured Persons in the Policy.","sources":[{"clause":null,"heading":"3. 30-day waiting period- Code- Excl03","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-3-30-day-waiting-period-code-excl03"},{"clause":"Excl03","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-excl03"}],"law":[]},{"key":"ped_waiting","label":"Pre-existing disease waiting period","section":"Waiting periods","meaning":"How long you wait before conditions you already had when you bought the policy are covered. The law caps it at 36 months.","status":"quote-verified","value":{"unit":"months","amount":36},"display":"36 months","note":"Optional Other Waiting Periods cover can reduce PED waiting to 1 year, 2 years, 3 years, or delete it.","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 ... Option 5: 2 years waiting period for Pre-Existing Diseases ... Option 6: 3 years waiting period for Pre-Existing Diseases ... Option 7: No waiting period for Pre-Existing Diseases","sources":[{"clause":"1","heading":"Pre-Existing Diseases (Code- Excl01)","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-1-2"},{"clause":null,"heading":"Option 4: 1 year waiting period for Pre-Existing Diseases -","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-4-1-year-waiting-period-for-pre-existing"},{"clause":null,"heading":"Option 5: 2 years waiting period for Pre-Existing Diseases -","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-5-2-years-waiting-period-for-pre-existing"},{"clause":null,"heading":"Option 6: 3 years waiting period for Pre-Existing Diseases -","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-6-3-years-waiting-period-for-pre-existing"},{"clause":null,"heading":"Option 7: No waiting period for Pre-Existing Diseases -","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-7-no-waiting-period-for-pre-existing-dise"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"conflicting","value":{"unit":"years","amount":1},"display":"1 Year","note":"Policy wording says 1 Year. Prospectus says: '2 Years'. Optional Other Waiting Periods cover can set specific illness waiting period to 2 years 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. ... Expenses related to the treatment of the listed conditions, surgeries/treatments shall be excluded until the expiry of 2 Years of continuous coverage after the date of inception of the Ĥrst policy with us. ... Option 2: 2 years Specific illness waiting period - ... Option 3: Specific illness Waiting Period Waiver -","sources":[{"clause":"2(a)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-2-a"},{"clause":"Excl02(a)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077#c-excl02-a"},{"clause":null,"heading":"Option 2: 2 years Specific illness waiting period -","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-2-2-years-specific-illness-waiting-period"},{"clause":null,"heading":"Option 3: Specific illness Waiting Period Waiver -","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-option-3-specific-illness-waiting-period-waiver"}],"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 fibromyoma 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; BPH; hysterectomy/myomectomy; non-infective arthritis and related conditions; genitourinary surgery; calculus diseases; sinusitis; prolapsed intervertebral disc surgery; varicose veins/ulcers surgery; chronic renal failure including dialysis","note":null,"quote":"e) List of specific diseases/procedures\n• Cataract\n• Benign Prostatic Hypertrophy\n• Hysterectomy/myomectomy for menorrhagia or fibromyoma 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/hospital-daily-cash-group-sbipagp22182v012122/document/15103#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, sixty continuous months applies 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 Insurer on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of sixty continuous months is called as moratorium period.","sources":[{"clause":"A(I)(c)","heading":"Moratorium Period","page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-a-i-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":"quote-verified","value":"Portability is provided as a facility to transfer credits gained for pre-existing diseases and specific waiting periods from one insurer to another insurer.","display":"Yes, portability transfers PED and specific waiting-period credits to another insurer","note":null,"quote":"Portability means a facility provided to the health insurance Policyholders (including all members under family cover), to transfer the credits gained for, pre-existing diseases and specific waiting periods from one insurer to another insurer.","sources":[{"clause":"30","heading":"Portability","page":3,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-30"}],"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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on 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 loading on renewals based on individual claims experience","note":null,"quote":"No loading shall apply on Renewals based on individual Claims experience.","sources":[{"clause":"6(vi)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-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":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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":"Medical treatment outside India is excluded, so the cover is for treatment in India only.","display":"India only","note":null,"quote":"Any medical treatment outside India.","sources":[{"clause":"19","heading":null,"page":7,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-19-2"}],"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":"The wording states this 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":"1","heading":"Free Look Period","page":8,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-1-4"}],"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":"Monthly premium mode has fifteen days; all other cases have thirty days. Renewal after policy period is within 30 days.","quote":"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. ... 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.","sources":[{"clause":"16","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-16"},{"clause":"6(v)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-v"}],"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 yrs. to 65 yrs.; child entry age is 91 days to 25yrs.","display":"Adult: 18 yrs. to 65 yrs.; Child: 91 days to 25yrs.","note":"From the prospectus for the maximum adult age; the policy wording states adult minimum 18 years and dependent children from 91 days up to 25 years.","quote":"Age Criteria & Eligibility:\nMinimum | Maximum\nAdult | 18 yrs. | 65 yrs.\nChild | 91 days | 25yrs.","sources":[{"clause":"8","heading":"Increased Deductible/Franchise","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077#c-8"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"quote-verified","value":["Monthly","Quaterly","Halfyearly","Annually"],"display":"Monthly; Quaterly; Halfyearly; Annually","note":"From the prospectus.","quote":"Installment Options\n• Monthly\n• Quaterly\n• Halfyearly\n• Annually","sources":[{"clause":null,"heading":"Installment Options","page":1,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077#c-installment-options"}],"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":"The wording says optional covers are applicable only if opted for and may involve additional premium or reduction in premium.","quote":"B. OPTIONAL COVERS In consideration of payment of additional Premium or reduction in the Premium as applicable ... B.1 ACCIDENT HOSPITAL CASH BENEFIT ... B.2 ICU CASH BENEFIT ... B.3 CONVALESCENCE BENEFIT ... B.4 COMPASSIONATE BENEFIT ... DAY CARE TREATMENT BENEFIT On availing of this benefit ... B.6 MATERNITY HOSPITAL CASH BENEFIT ... B.7 OTHER WAITING PERIODS ... B.8 INCREASED DEDUCTIBLE/FRANCHISE","sources":[{"clause":"A.1","heading":"ACCIDENT AND SICKNESS HOSPITAL CASH BENEFIT In","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-a-1"},{"clause":"B.1","heading":"ACCIDENT HOSPITAL CASH BENEFIT In the event of","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-1"},{"clause":"B.2","heading":"ICU CASH BENEFIT In the event of Accidental Bodily Injury or","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-2"},{"clause":"B.3","heading":"CONVALESCENCE BENEFIT On availing this benefit, Policy","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-3"},{"clause":"B.4","heading":"COMPASSIONATE BENEFIT We will pay additional amount","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-4"},{"clause":"B.5","heading":null,"page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-5"},{"clause":"B.6","heading":"MATERNITY HOSPITAL CASH BENEFIT We will pay daily","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-6"},{"clause":"B.7","heading":"OTHER WAITING PERIODS : In consideration of payment of","page":5,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-b-7"},{"clause":"B.8","heading":"INCREASED DEDUCTIBLE/FRANCHISE : The Company","page":6,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#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 renewal grace period after the end of the policy period. The grace period definition also says coverage must be offered during the grace period if premium is paid in instalments during the policy period.","display":"No cover during renewal grace period; instalment grace during policy period is covered if premium is paid in instalments","note":null,"quote":"Coverage need not be available during the period for which no premium is received. ... Provided the insurers shall offer coverage during the grace period, if the premium is paid in instalments during the policy period. ... Coverage is not available during the Grace Period.","sources":[{"clause":"16","heading":"Grace period","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-16"},{"clause":"6(v)","heading":null,"page":10,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-6-v"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"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 in-patient care hours, and the base cover applies a franchise/deductible of 1 day as stated in the Policy Schedule/Certificate of Insurance.","display":"24 consecutive hours; franchise/deductible of 1 day","note":"Specified procedures/treatments may have admission for less than 24 consecutive hours.","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.","sources":[{"clause":"18","heading":"Hospitalization or Hospitalised","page":2,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-18"},{"clause":"A.1","heading":"ACCIDENT AND SICKNESS HOSPITAL CASH BENEFIT In","page":4,"url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103#c-a-1"}],"law":[]}],"documents":[{"kind":"wording","label":"Hospital Daily Cash -Group Policy Wordings","pages":21,"fetched_at":"2026-10-17 20:04:04+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Group_Policy_Wordings_2491817067.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15103"},{"kind":"prospectus","label":"Hospital Daily Cash -Group Propsectus","pages":10,"fetched_at":"2026-10-17 20:03:26+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Group_Propsectus_68c5b5ad22.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15077"},{"kind":"cis","label":"Hospital Daily Cash -Group Customer Infromation Sheet","pages":5,"fetched_at":"2026-10-17 20:03:25+00","source_url":"https://content.sbigeneral.in/uploads/Hospital_Daily_Cash_Group_CIS_49e7e7e097.pdf","url":"https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122/document/15076"}],"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":"Hospital Daily Cash -Group (UIN SBIPAGP22182V012122), IndiaInsurances, https://indiainsurances.com/policy/sbi-general-insurance/hospital-daily-cash-group-sbipagp22182v012122"}