{"uin":"SGLHLGP24003V022324","name":"Shri Group Hospital Daily Cash Benefit Insurance","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324","insurer":{"slug":"shriram-general-insurance","name":"Shriram General Insurance Company Limited","url":"https://indiainsurances.com/insurer/shriram-general-insurance"},"line":"health","category":"hospital-cash","category_name":"Hospital daily cash","irdai_type":"Group","kind":"product","status":"active","approved_on":"2022-04-13","withdrawn_on":null,"summary":"Shri Group Hospital Daily Cash Benefit Insurance is a group health benefit product that pays fixed hospital daily cash under Basic and Advance plans. Per day benefit limits are 500/1000/2000/3000/4000/5000 with plan day options from 15 to 180 days, and Day Care Treatment Benefit is optional.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:59:09.553614+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":["Basic Plan","Advance Plan"],"display":"Basic Plan; Advance Plan","note":null,"quote":"A. Basic Plan ... B. Advance Plan | This is an addition to basic plan as specified in 4.A","sources":[{"clause":"4","heading":"SCOPE OF COVERAGE","page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-4"}],"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":"Cover Period will be for one year. For Master Policies offered to banks or financial institutions to cover loan borrowers, Cover Period can be 1/ 2 / 3 / 4 / 5 yrs, subject to the maximum loan period.","display":"One year; 1/ 2 / 3 / 4 / 5 yrs for bank/FI loan borrowers, subject to maximum loan period","note":null,"quote":"i) Cover Period will be for one year.\nii) In case if Master Policy is offered to Banks and/or Financial Institutions to cover their loan borrowers, Cover Period can be opted for 1/ 2 / 3 / 4 / 5 yrs subject to maximum of loan period.","sources":[{"clause":"37","heading":"Cover Period","page":18,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-37"}],"law":[]},{"key":"claim_intimation","label":"Claim intimation deadline","section":"Claims","meaning":"How soon you must tell the insurer about a claim or hospitalisation.","status":"quote-verified","value":"You or someone claiming on your behalf must inform the insurer in writing immediately within 48 hours of emergency hospitalization and 48 hours prior to planned hospitalization.","display":"Within 48 hours of emergency hospitalization; 48 hours prior for planned hospitalization","note":null,"quote":"You or someone claiming on Your behalf must inform Us in writing immediately within 48 hours of hospitalization in case of emergency hospitalization and 48 hours prior to hospitalization in case of planned hospitalization.","sources":[{"clause":null,"heading":"16. Claims Procedure","page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-16-claims-procedure"}],"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 completed claim form","Discharge Summary from the hospital","Hospital Main bill with breakup details","Aadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim)","all original supporting documentation","other information We ask for"],"display":"Claim form, discharge summary, hospital main bill with breakup, Aadhaar and PAN copies, original supporting documents and other information asked for","note":null,"quote":"give Us the necessary documents along with all original supporting documentation, including but not limited to the following, and other information We ask for ... i) Duly completed claim form, and\nii) Discharge Summary from the hospital\niii) Hospital Main bill with breakup details.\niv) Aadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim)","sources":[{"clause":null,"heading":"16. Claims Procedure","page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-16-claims-procedure"}],"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":"Medical Practitioners will flag the claim as settled, rejected or pending within 15 days of receipt of the last necessary documents. If investigation is warranted, it must be completed not later than 30 days from receipt of the last necessary document and the claim settled within 45 days from receipt of the last necessary document.","display":"15 days from last necessary documents; investigated claims within 45 days from last necessary document","note":"For delay in payment of a settled claim, the policy states interest at 2% above the bank rate.","quote":"a) Our Medical Practitioners will scrutinize the claims and flag the claim as settled/ rejected/ pending within the period of 15 days of the receipt of the last necessary documents. ... d) In the circumstances where a claim warrant an investigation in Our opinion, We shall initiate and complete such investigation at the earliest, in any case not later than 30 days from the date of receipt of last ‘necessary’ document. In such cases, We shall settle the claim within 45 days from the date of receipt of last ‘necessary’ document. ... e) In the cases of delay in the payment of a ‘settled’ claim, We shall be liable to pay interest from the date of receipt of last necessary document to the date of payment of claim at a rate which is 2% above the bank rate.","sources":[{"clause":null,"heading":"20. Settlement of Claims","page":15,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-20-settlement-of-claims"}],"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","Specified disease/procedure waiting period - Two Years Exclusions","First 30 Days Waiting Period","Investigation & Evaluation","Rest Cure, rehabilitation and respite care","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof","Maternity","Intentional self-injury","Injury/disease directly or indirectly caused by or arising from or attributable to war, terrorism, invasion, act of foreign enemy, warlike operations","Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials"],"display":"PED, 24-month specified disease/procedure waiting period, first 30 days illness waiting period, investigation/evaluation, rest cure, change of gender, cosmetic surgery, adventure sports, breach of law, alcoholism/drug abuse, maternity, intentional self-injury, war/terrorism, nuclear risks","note":"Maternity is excluded generally, but the Advance Plan also has Child Birth Hospital Cash subject to its special conditions.","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 ... Expenses related to the treatment of the below listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months ... 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 ... Expenses related to any admission primarily for diagnostics and evaluation purposes only are excluded; ... Expenses related to any admission primarily for enforced bed rest and not for receiving treatment. ... Expenses related to any treatment, including surgical management, to change characteristics of the body to those of the opposite sex. ... Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) or Cancer ... Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports ... Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law with criminal intent. ... Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof. ... Medical treatment expenses traceable to childbirth (including complicated deliveries and caesarean sections incurred during hospitalization) except ectopic pregnancy; ... Intentional self-injury ... Injury/disease directly or indirectly caused by or arising from or attributable to war, terrorism, invasion, act of foreign enemy, warlike operations (whether war be declared or not) ... Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.","sources":[{"clause":"Excl01","heading":"Pre-existing Diseases (Code - Excl 01)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl01"},{"clause":"Excl02","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl02"},{"clause":"Excl03","heading":"First 30 Days Waiting Period (Code - Excl 03)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl03"},{"clause":"Excl04","heading":"Investigation & Evaluation (Code – Excl 04)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl04"},{"clause":"Excl05","heading":"Rest Cure, rehabilitation and respite care- (Code- Excl 05)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl05"},{"clause":"Excl07","heading":"Change-of-Gender treatments: (Code- Excl 07)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl07"},{"clause":"Excl08","heading":"Cosmetic or plastic Surgery: (Code- Excl 08)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl08"},{"clause":"Excl09","heading":"Hazardous or Adventure sports: (Code- Excl 09)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl09"},{"clause":"7","heading":"Breach of law: (Code- Excl 10)","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-7"},{"clause":"9","heading":null,"page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-9"},{"clause":"15","heading":"Maternity: (Code -Excl 18)","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-15"},{"clause":"16","heading":"Intentional self-injury","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-16"},{"clause":"20","heading":null,"page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-20"},{"clause":"21","heading":null,"page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-21"}],"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":"First contact the Branch Manager / Regional Manager of the local office that issued the policy. If dissatisfied, e-mail or write to the Grievance Cell, HO, headed by a senior executive under the MD.","display":"First Branch Manager / Regional Manager; then Grievance Cell, HO","note":null,"quote":"First Step Initially, We suggest you to contact the Branch Manager / Regional Manager of the local office which has issued the Policy. ... Second Step Naturally, We hope the issue can be resolved to your satisfaction at the earlier stage itself. But if you feel dissatisfied with the suggested resolution of the issue after contacting the local office, please e-mail or write to Grievance Cell, HO, headed by a senior executive which will be directly under the control of the MD","sources":[{"clause":null,"heading":"8. REDRESSAL OF GRIEVANCE","page":18,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-8-redressal-of-grievance"}],"law":[{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 3","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 4","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"Consumer Protection (Jurisdiction of the District Commission, the State Commission and the National Commission) Rules, 2021","section":"Rule 5","url":"https://indiainsurances.com/law/consumer-jurisdiction-rules-2021"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(11)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 2(42)","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 34","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Consumer Protection Act, 2019","section":"Section 69","url":"https://indiainsurances.com/law/consumer-protection-act-2019"},{"title":"The Insurance Act, 1938","section":"Section 38","url":"https://indiainsurances.com/law/insurance-act-1938"},{"title":"Master Circular on General Insurance Business, 2024","section":"Ch I, Para 12","url":"https://indiainsurances.com/law/irdai-general-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 19","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 20","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 13","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Master Circular on Life Insurance Products, 2024","section":"Chapter 1, Para 2","url":"https://indiainsurances.com/law/irdai-life-products-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(5), 5(6)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 5(9)","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 25","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.1","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, VI.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 26","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 11","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 3","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 13","url":"https://indiainsurances.com/law/ombudsman-rules-2017"},{"title":"Insurance Ombudsman Rules, 2017","section":"Rule 14","url":"https://indiainsurances.com/law/ombudsman-rules-2017"}]},{"key":"sum_insured_options","label":"Sum insured options","section":"Cover","meaning":"The cover amounts you can choose from.","status":"quote-verified","value":"The selectable per day benefit limits are 500/1000/2000/3000/4000/5000. Plan available in days is 15/30/60/90/120/180 under Basic Plan and 90/120/180 under Advance Plan.","display":"Per day benefit limit 500/1000/2000/3000/4000/5000; Basic 15/30/60/90/120/180 days; Advance 90/120/180 days","note":null,"quote":"Plan Type | Basic Plan | Advance Plan\nPlan Available in days | 15/30/60/90/120/180 | 90/120/180\nPer Day Benefit Limit(₹) | 500/1000/2000/3000/4000/5000 | 500/1000/2000/3000/4000/5000","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-4"}],"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":"Applies to illness; accident claims are excepted if covered.","quote":"Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims arising due to an accident, provided the same are covered.","sources":[{"clause":"Excl03","heading":"First 30 Days Waiting Period (Code - Excl 03)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#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":"For enhanced sum insured, the exclusion applies afresh to the increase; portability credit may reduce the waiting period.","quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer.","sources":[{"clause":"Excl01","heading":"Pre-existing Diseases (Code - Excl 01)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl01"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 8","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.6","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 7","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"specific_waiting","label":"Specific illness waiting period","section":"Waiting periods","meaning":"Waiting period for a list of named illnesses and procedures (cataract, hernia, joint replacement...). With several tiers (24 and 36 months), the shortest in the answer, the others in the note.","status":"quote-verified","value":{"unit":"months","amount":24},"display":"24 months","note":"If a listed condition also falls under the PED waiting period, the longer waiting period applies.","quote":"Expenses related to the treatment of the below listed Conditions, surgeries/treatments shall be excluded until the expiry of 24 months of continuous coverage after the date of inception of the first policy with us. This exclusion shall not be applicable for claims arising due to an accident.","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl02"}],"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","Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids","Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Inter-vertebral discs(other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylolisthesis","Varicose Veins and Varicose Ulcers","Stones in the urinary uro-genital and biliary systems including calculus diseases","Benign Prostate Hypertrophy, all types of Hydrocele, Congenital Internal Anomaly","Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Haemorrhoids and any abscess related to the anal region","Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery","Gastric and Duodenal ulcer, any type of Cysts/ Nodules/ Polyps/ internal tumours/ skin tumours, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases","Any surgery of the genito-urinary system unless necessitated by malignancy"],"display":"Cataract; hysterectomy/fibroids/prolapse; knee/joint replacement and arthritis/vertebrae disorders; varicose veins; stones; BPH/hydrocele/congenital internal anomaly; fissure/fistula/piles/hernia; ENT disorders; ulcers/cysts/tumours/breast lumps/PCOD; genito-urinary surgery","note":null,"quote":"List of specific disease/procedures -\ni) Cataract,\nii) Hysterectomy for Menorrhagia or Fibromyoma or prolapse of Uterus unless necessitated by malignancy myomectomy for fibroids,\niii) Knee Replacement Surgery (other than caused by an Accident), Non-infectious Arthritis, Gout, Rheumatism, Osteoarthritis and Osteoporosis, Joint Replacement Surgery (other than caused by Accident), Prolapse of Inter-vertebral discs(other than caused by Accident), all Vertebrae Disorders, including but not limited to Spondylitis, Spondylolisthesis,\niv) Varicose Veins and Varicose Ulcers,\nv) Stones in the urinary uro-genital and biliary systems including calculus diseases,\nvi) Benign Prostate Hypertrophy, all types of Hydrocele, Congenital Internal Anomaly,\nvii) Fissure, Fistula in anus, Piles, all types of Hernia, Pilonidal sinus, Haemorrhoids and any abscess related to the anal region,\nviii) Chronic Suppurative Otitis Media (CSOM), Deviated Nasal Septum, Sinusitis and related disorders, Surgery on tonsils/Adenoids, Tympanoplasty and any other benign ear, nose and throat disorder or surgery.\nix) Gastric and Duodenal ulcer, any type of Cysts/ Nodules/ Polyps/ internal tumours/ skin tumours, and any type of Breast lumps(unless malignant), Polycystic Ovarian Diseases,\nx) Any surgery of the genito-urinary system unless necessitated by malignancy.","sources":[{"clause":"Excl02","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-excl02"}],"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":"60(sixty) continuous months","note":"For enhanced sums insured, 60(sixty) continuous months applies from the date of enhancement on the enhanced limits.","quote":"After completion of 60(sixty) continuous months of coverage (including portability and migration) in health insurance policy, no policy and claim shall be contestable by the company on grounds of non-disclosure, misrepresentation, except on grounds of established fraud. This period of 60(sixty) continuous months is called as moratorium period.","sources":[{"clause":"31","heading":"Moratorium Period","page":17,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-31"}],"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 not available under the benefit-based health insurance policy.","display":"Portability is not available under the benefit-based health insurance policy","note":"The same clause first describes a porting process and accrued continuity benefits, but ends by stating portability is not available for benefit-based health insurance.","quote":"The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 30 days before, but not earlier than 60 days from the policy renewal date as per IRDAI guidelines related to portability. ... Portability is not available under the benefit-based health insurance policy","sources":[{"clause":null,"heading":"7. Portability","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-7-portability"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 11","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 12","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.6","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, VII.3","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 24","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 1.4 and 1.5","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 10","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"lifelong_renewal","label":"Lifelong renewal","section":"Renewal and rights","meaning":"Whether the policy can be renewed for life without a maximum age.","status":"quote-verified","value":true,"display":"Renewal Life long","note":"From the prospectus.","quote":"Renewal Life long","sources":[{"clause":null,"heading":"3. Maturity Age","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-3-maturity-age"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch II D.II","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"claim_loading","label":"Premium loading after claims","section":"Renewal and rights","meaning":"Whether the premium can go up at renewal because you made a claim.","status":"quote-verified","value":"No loading applies on renewals based on individual claims experience.","display":"No loading on renewals based on individual claims experience","note":"The prospectus premium chart separately shows claim ratio loading up to 55% based on incurred claim ratio.","quote":"No loading shall apply on renewals based on individual claims experience. ... Claim Ratio Discount | Incurred | Discount (%) | Loading (%)\nClaim Ratio\n0-20 | 40% | -\n20-30 | 30% | -\n30-40 | 20% | -\n40-50 | 10% | -\n50-55 | 0% | -\n55-65 | - | 5%\n65-75 | - | 15%\n75-85 | - | 25%\n85-95 | - | 35%\n95-105 | - | 45%\nAbove 105 | - | 55%\n• Maximum loading allowed is 55%","sources":[{"clause":null,"heading":"7. Portability","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-7-portability"},{"clause":null,"heading":"A. Annual Policy","page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-a-annual-policy"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 10","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.5","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 9","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 4","url":"https://indiainsurances.com/law/irdai-products-regs-2024"},{"title":"Review of revision in premium rates under health insurance policies for senior citizens, 2025","section":"Para 7","url":"https://indiainsurances.com/law/irdai-senior-premium-2025"}]},{"key":"permanent_exclusions","label":"Permanent exclusions","section":"Exclusions","meaning":"Conditions or treatments that are never covered: the standard IRDAI exclusion codes Excl04 to Excl18 and the product's own permanent exclusions. Excl01 to Excl03 are waiting periods, not permanent exclusions.","status":"not-stated","value":null,"display":null,"note":null,"quote":null,"sources":[],"law":[{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Para 16","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"cancellation_refund","label":"Cancellation by you","section":"Renewal and rights","meaning":"What you get back if you cancel during the year.","status":"quote-verified","value":"The insured may give 15 days’ written notice for cancellation. The company retains premium for the period the policy has been in force at short period scales, with refunds depending on policy term and period on risk.","display":"15 days’ notice; refund as per short period scale","note":"For longer-term policies, the table continues with lower refund percentages for later periods, ending with Nil above 48 month.","quote":"The Insured may also give 15 days’ notice in writing, to the Company, for the cancellation of this policy, in which case the Company shall retain the premium for the period this Policy has been in force at the Company’s short period scales.\nPeriod on risk | % of Annual Premium refunded\n1Year Policy | 2Year Policy | 3Year Policy | 4Year Policy | 5Year Policy\nUpto 1 month | 70% | 75% | 80% | 80% | 80%\nExceeding 1 month and upto 3 months | 55% | 70% | 70% | 75% | 75%\nExceeding 3 months and upto 6 months | 30% | 55% | 65% | 70% | 70%\nExceeding 6 months and upto 12 months | Nil | 30% | 45% | 55% | 60%","sources":[{"clause":null,"heading":"14. Cancellation","page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-14-cancellation"}],"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":"All treatments under this policy have to be taken in India.","display":"India only","note":null,"quote":"All treatments under this policy shall have to be taken in India.","sources":[{"clause":null,"heading":"20. Settlement of Claims","page":15,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-20-settlement-of-claims"}],"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":"Not applicable at renewal; available if policy period is one year or more.","quote":"At the time of inception of the policy, the Insured will be allowed a period of 30 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the policy if not acceptable.","sources":[{"clause":null,"heading":"5. Free Look Period","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-5-free-look-period"}],"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":null,"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.","sources":[{"clause":null,"heading":"7. Portability","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-7-portability"}],"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":"Proposer entry age is 18 Year – 65 years. Dependent Children Age is 91 Day to 25 Years, and coverage for a child aged 91 days – 18 years is not allowed without a family member above 18 years as proposer or covered in the policy.","display":"Proposer 18 Year – 65 years; dependent children 91 Day to 25 Years","note":"From the prospectus.","quote":"• Proposer Age - 18 Year – 65 years\n• Dependent Children Age – 91 Day to 25 Years Coverage for child (91 days – 18 years) is not allowed without any family member (more than 18 years) being the proposer or covered in the policy","sources":[{"clause":null,"heading":"1. Age of Entry –","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-1-age-of-entry"}],"law":[]},{"key":"premium_modes","label":"Premium payment options","section":"Premium","meaning":"How often you can pay: yearly, half-yearly, quarterly, monthly.","status":"not-stated","value":null,"display":null,"note":"The documents show premium payable in advance and an annual premium chart, but do not list premium payment frequencies such as yearly, half-yearly, quarterly or monthly.","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":["Day Care Treatment Benefit"],"display":"Day Care Treatment Benefit","note":"The benefit is available for a maximum of 1 Day Care Treatments per Policy Year; cataract is limited to 1 surgery in a Policy year.","quote":"Day Care Treatment Benefit | If the Insured Person requires and avails a Medically Necessary Day Care Treatment (as defined under Annexure I below) during the Policy Period, We will pay a lump sum benefit amount which is the lower of 5 times the Daily Cash Benefit specified in the Policy Schedule or Rs.25,000 to the Insured Person for such Day Care Treatment provided the Insured Person is admitted in the Hospital for less than 24 hours.","sources":[{"clause":"C","heading":"OPTIONAL COVER","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-c"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period.","display":"Coverage is not available during the grace period","note":null,"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.","sources":[{"clause":null,"heading":"7. Portability","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-7-portability"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"Per day benefit limits are 500/1000/2000/3000/4000/5000. Sickness pays the Daily Hospital Cash amount for each consecutive 24 hours, accident hospital cash pays 2 times the Daily Hospital Cash amount, and ICU pays 2.5 times the Daily Hospital Cash amount.","display":"500/1000/2000/3000/4000/5000 per day; accident 2 times; ICU 2.5 times","note":null,"quote":"Per Day Benefit Limit(₹) | 500/1000/2000/3000/4000/5000 | 500/1000/2000/3000/4000/5000 ... the Company will pay to the Insured Person, Daily Hospital Cash amount mentioned in the Schedule /Certificate of Insurance for each consecutive 24 hours of hospitalization ... then the Company will pay to the Insured Person, 2 times of Daily Hospital Cash amount mentioned in the Schedule /Certificate of Insurance for each consecutive 24 hours of hospitalization ... We will pay 2.5 times of the Daily Hospital Cash amount for each\nconsecutive 24 hours","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-4"},{"clause":"4","heading":"SCOPE OF COVERAGE","page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-4"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"Basic Plan day options are 15/30/60/90/120/180 and Advance Plan day options are 90/120/180. ICU Benefit is subject to a maximum of 15 days per Policy Year.","display":"Basic 15/30/60/90/120/180 days; Advance 90/120/180 days; ICU maximum 15 days per Policy Year","note":"The wording points to the Schedule/Certificate of Insurance for the maximum number of days and does not print a separate per-admission maximum apart from benefit wording.","quote":"Plan Available in days | 15/30/60/90/120/180 | 90/120/180 ... subject to maximum number of days stated in the Schedule /Certificate of Insurance. ... subject to maximum of 15 days per Policy Year.","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773#c-4"},{"clause":"4","heading":"SCOPE OF COVERAGE","page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-4"}],"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":"Hospitalization means admission in a hospital for a minimum period of 24 consecutive in-patient care hours. Daily hospital cash is paid for each consecutive 24 hours of hospitalization, with a 1-day deductible on sickness hospitalization and no deductible for accident hospital cash.","display":"Minimum 24 consecutive hours; sickness has 1-day deductible, accident deductible not applicable","note":null,"quote":"Hospitalization: means admission in a hospital for a minimum period of 24 consecutive ‘In-patient care’ hours except for specified procedures/ treatments, where such admission could be for a period of less than 24 consecutive hours. ... Daily Hospital Cash amount mentioned in the Schedule /Certificate of Insurance for each consecutive 24 hours of hospitalization ... Deductible - 1- day deductible is applicable on every hospitalization. ... Deductible - Not Applicable","sources":[{"clause":"3(c)(v)","heading":null,"page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-3-c-v"},{"clause":"4","heading":"SCOPE OF COVERAGE","page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755#c-4"}],"law":[]}],"documents":[{"kind":"wording","label":"Shri Group Hospital Daily Cash Benefit Insurance (policy wordings)","pages":22,"fetched_at":"2026-10-17 20:06:42+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/cb340901-41c5-432f-a9d5-d94fc3df6cd2_Policy%20Wording%20Group_Hospital%20Daily%20Cash%20Benefit%20Insurance.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15755"},{"kind":"wording","label":"Shri Group Hospital Daily Cash Benefit Insurance Policy (IRDAI copy)","pages":23,"fetched_at":"2026-10-20 02:33:55+00","source_url":"https://irdai.gov.in/documents/37343/931203/SGLHLGP23014V012223.pdf/8f393658-d0ee-3f88-5979-a3b6e7f094b8?version=1.0&t=1669351448776&download=true","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/28779"},{"kind":"prospectus","label":"Shri Group Hospital Daily Cash Benefit Insurance (prospectus)","pages":18,"fetched_at":"2026-10-17 20:07:14+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/8bfabccc-1886-4b4f-aee9-fd1613d0f7f3_Prospectus%20%20Shri%20Group%20Hospital%20Daily%20Cash%20Benefit%20Insurance.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324/document/15773"}],"versions":[{"uin":"SGLHLGP23014V012223","version":null,"approved_on":null},{"uin":"SGLHLGP24003V022324","version":null,"approved_on":null}],"where_to_buy":[{"purpose":"buy","kind":"insurer","name":"Shriram General Insurance official website","url":"https://www.shriramgi.com/","note":"Buy directly from the insurer."},{"purpose":"buy","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."}],"claims_and_complaints":[{"purpose":"claim","kind":"insurer","name":"Claims","url":"https://www.shriramgi.com/claims","note":null},{"purpose":"claim","kind":"ours","name":"Get free help from IndiaInsurances","url":"/help","note":"Free. We do not sell insurance and earn no commission; your request is not passed to anyone."},{"purpose":"grievance","kind":"insurer","name":"Grievance redressal mechanism","url":"https://www.shriramgi.com/grievance-redressal-mechanism","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":"Bike insurance renewal","url":"https://www.shriramgi.com/bike-renewal","note":null},{"purpose":"renew","kind":"insurer","name":"Car insurance renewal","url":"https://www.shriramgi.com/car-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":"Shri Group Hospital Daily Cash Benefit Insurance (UIN SGLHLGP24003V022324), IndiaInsurances, https://indiainsurances.com/policy/shriram-general-insurance/shri-group-hospital-daily-cash-benefit-insurance-sglhlgp24003v022324"}