{"uin":"SGLHLIP23138V022223","name":"Shri Hospital Daily Cash Benefit Insurance","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223","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":"Individual","kind":"product","status":"active","approved_on":"2022-03-28","withdrawn_on":null,"summary":"Shri Hospital Daily Cash Benefit Insurance is a health insurance benefit product that pays fixed daily hospital cash amounts for hospitalisation in India. It has Basic and Advance plan options, per-day benefit limits of ₹500 to ₹5,000, and policy periods of 1, 2 or 3 years.","analysis":{"state":"machine","analysed_at":"2026-10-19 22:46:12.883028+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 and Advance Plan","note":null,"quote":"The Policy will provide coverage under two Plan options, namely, the Basic Plan and the Advance Plan.","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#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":"1 Year, 2 Year or 3 Year.","display":"1 Year, 2 Year or 3 Year","note":"From the prospectus.","quote":"a) 1 Year\nb) 2 Year\nc) 3 Year","sources":[{"clause":"5","heading":"Policy Period available for","page":4,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-5"}],"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":"Inform the insurer within 48 hours of hospitalisation for emergency hospitalisation and 48 hours before hospitalisation for planned hospitalisation.","display":"Within 48 hours of emergency hospitalisation; 48 hours prior for planned hospitalisation","note":"Intimation can be through E-mail, Fax, Telephone or the insurer's website.","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":"8.15(a)","heading":null,"page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-15-a"}],"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"],"display":"Claim form, discharge summary, hospital main bill with breakup, Aadhar and PAN copies","note":null,"quote":"a) Duly completed claim form, and ... b) Discharge Summary from the hospital ... c) Hospital Main bill with breakup details. ... d) Aadhar card & PAN card Copies (Not mandatory if the same is linked with the policy while issuance or in previous claim)","sources":[{"clause":"8.15(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-15-a-2"},{"clause":"8.15(b)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-15-b-2"},{"clause":"8.15(c)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-15-c"},{"clause":"8.15(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-15-d"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 17","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 22","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Insurance Regulatory and Development Authority of India (Protection of Policyholders’ Interests, Operations and Allied Matters of Insurers) Regulations, 2024","section":"Reg 23","url":"https://indiainsurances.com/law/irdai-ppi-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part A, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, V.3(iii)","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part C, V.2","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"}]},{"key":"claim_settlement_time","label":"Claim settlement time promised","section":"Claims","meaning":"How quickly the policy says a claim is decided or paid, and from when that is counted (intimation or last document).","status":"quote-verified","value":"The insurer will scrutinize and flag a claim as settled, rejected or pending within 15 days of receiving the last necessary documents. If investigation is needed, it must be completed within 30 days from the last necessary document and the claim settled within 45 days from that date; delayed payment of a settled claim carries interest at 2% above the bank rate.","display":"15 days from last necessary documents; investigation cases within 45 days, with investigation completed within 30 days","note":null,"quote":"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. ... We shall initiate and\ncomplete such investigation at the earliest, in any case not later than 30 days from the date of receipt 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 of last ‘necessary’ document. In such cases, We shall settle the claim within 45 days from the date of receipt of last ‘necessary’ document. ... In the cases of delay in the payment of a ‘settled’ claim, We shall be liable to pay interest from the\ne) 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 date of receipt of last necessary document to the date of payment of claim at a rate which is 2% above the bank rate. the bank rate.","sources":[{"clause":"8.19(a)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-19-a"},{"clause":"8.19(d)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-19-d"},{"clause":"8.19(e)","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-19-e"}],"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","Obesity/ Weight Control","Change-of-Gender treatments","Cosmetic or plastic Surgery","Hazardous or Adventure sports","Breach of law","Alcoholism, drug or substance abuse or any addictive condition","Intentional self-injury","war, terrorism, invasion, act of foreign enemy, warlike operations","nuclear weapons/materials"],"display":"Waiting periods, investigation/evaluation, rest cure, obesity surgery not meeting conditions, gender change, cosmetic surgery, hazardous sports, breach of law, substance abuse, self-injury, war/terrorism and nuclear risks","note":null,"quote":"Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 36 months of continuous coverage after the date of inception of the first policy with insurer. ... 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. ... 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. ... 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 the surgical treatment of obesity that does not fulfil all the below conditions: ... 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. ... 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":"6.1","heading":"Pre-existing Diseases (Code - Excl 01)","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-1"},{"clause":"6.2","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-2"},{"clause":"6.3","heading":"First 30 Days Waiting Period (Code - Excl 03)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-3"},{"clause":"7.1","heading":"Investigation & Evaluation (Code – Excl 04)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-1"},{"clause":"7.2","heading":"Rest Cure, rehabilitation and respite care- (Code- Excl 05)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-2"},{"clause":"7.3","heading":"Obesity/ Weight Control (Code- Excl 06)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-3"},{"clause":"7.4","heading":"Change-of-Gender treatments: (Code- Excl 07)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-4"},{"clause":"7.5","heading":"Cosmetic or plastic Surgery: (Code- Excl 08)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-5"},{"clause":"7.6","heading":"Hazardous or Adventure sports: (Code- Excl 09)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-6"},{"clause":"7.7","heading":"Breach of law: (Code- Excl 10)","page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-7"},{"clause":"7.9","heading":null,"page":9,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-9"},{"clause":"7.16","heading":"Intentional self-injury","page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-16"},{"clause":"7.20","heading":null,"page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-20"},{"clause":"7.21","heading":null,"page":10,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-7-21"}],"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 or Regional Manager of the local office that issued the policy. If dissatisfied, e-mail or write to the Grievance Cell, HO, addressed to the Chief Compliance and Grievance Officer.","display":"First Branch Manager / Regional Manager; then Grievance Cell, HO, Chief Compliance and Grievance Officer","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 at the below mentioned address: ... Contact Address: Shriram General Insurance Co. Ltd. E-8, EPIP, RIICO Industrial Area, Sitapura, Jaipur – 302022 Grievance Cell No: 1800-103-3009, 1800-300-30000 E-mail ID: md@shriramgi.com","sources":[{"clause":"9","heading":"Redressal of Grievance","page":17,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-9"},{"clause":null,"heading":"Contact Person: Chief Compliance and Grievance Officer","page":17,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-contact-person-chief-compliance-and-grievance-of"}],"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":"Per Day Benefit Limit options are ₹500, ₹1000, ₹2000, ₹3000, ₹4000 and ₹5000. Benefit period options are 15/30/60/90/120/180 days under the Basic Plan and 90/120/180 days under the Advance Plan.","display":"₹500/1000/2000/3000/4000/5000 per day; Basic 15/30/60/90/120/180 days, Advance 90/120/180 days","note":"From the prospectus.","quote":"Plan 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-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#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":"Does not apply to claims arising due to an accident, provided the claim is 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":"6.3","heading":"First 30 Days Waiting Period (Code - Excl 03)","page":8,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-3"}],"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 sum insured enhancement, the exclusion applies afresh to the increased amount.","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":"6.1","heading":"Pre-existing Diseases (Code - Excl 01)","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-1"}],"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 disease or procedure also falls under the pre-existing disease 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":"6.2","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-2"}],"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; knee/joint/vertebrae disorders; varicose veins; stones; BPH/hydrocele/internal congenital anomaly; fissure/fistula/piles/hernia; ENT disorders; ulcers/cysts/tumours/breast lumps/PCOD; genito-urinary surgery","note":null,"quote":"f) 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":"6.2","heading":"Specified disease/procedure waiting period - Two Years Exclusions (Code - Excl 02)","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-6-2"}],"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 months","note":"For enhanced sums insured, 60 continuous months applies from the date of enhancement only 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":"8.29","heading":"Moratorium Period","page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-29"}],"law":[{"title":"Master Circular on Health Insurance Business, 2024","section":"Ch I Para 13","url":"https://indiainsurances.com/law/irdai-health-mc-2024"},{"title":"Master Circular on Protection of Policyholders' Interests, 2024","section":"Sec 1, Part B, IV.8","url":"https://indiainsurances.com/law/irdai-ppi-mc-2024"},{"title":"IRDAI (Insurance Products) Regulations, 2024","section":"Schedule III, Para 8","url":"https://indiainsurances.com/law/irdai-products-regs-2024"}]},{"key":"portability","label":"Portability","section":"Renewal and rights","meaning":"Whether you can move this policy to another insurer and keep waiting-period credit.","status":"quote-verified","value":"The policy contains a general portability process, but also states that portability is not available under the benefit-based health insurance policy. This product is described as a health insurance benefit product.","display":"General porting process stated, but portability not available for benefit-based health insurance policy","note":"The portability wording is internally inconsistent for this benefit product; the specific sentence denying portability for benefit-based health insurance is stated in the same clause.","quote":"Shri Hospital Cash Insurance policy is the health insurance benefit product. ... The insured person will have the option to port the policy to other insurers by applying to such insurer to port the entire policy along with all the members of the family, if any, at least 45 days before, but not earlier than 60 days from the 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":"Shri Hospital Daily Cash Benefit Insurance Policy – Prospectus","page":1,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-shri-hospital-daily-cash-benefit-insurance-polic"},{"clause":"8.6","heading":"Portability","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-6"}],"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-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#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":"Renewal premium loading is at portfolio level and not based on an individual policy's claim experience. The policy also states that no loading applies on renewals based on individual claims experience.","display":"No individual claim-based renewal loading","note":null,"quote":"For individual products, the loadings on renewal premium shall be at portfolio and not based upon any individual policy claim experience. ... No loading shall apply on renewals based on individual claims experience.","sources":[{"clause":"8.8","heading":"Renewal","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-8"}],"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":"The cancellation clause states cancellation by the insurer, not cancellation by the policyholder.","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":"All treatments under the policy must be taken in India.","display":"India only","note":null,"quote":"All treatments under this policy shall have to be taken in India.","sources":[{"clause":"8.21","heading":null,"page":14,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-21"}],"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 the 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":"8.4","heading":"Free Look Period","page":11,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-4"}],"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; 15 days if premium payment mode is monthly","note":"The renewal clause specifically states 30 days to maintain continuity.","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":"3.11(b)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-3-11-b-iv"},{"clause":"8.8","heading":"Renewal","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-8"}],"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 to 65 years. Dependent children entry age is 91 Day to 25 Years, with coverage for a child aged 91 days to 18 years not allowed unless a family member above 18 years is proposer or covered.","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-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#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":"quote-verified","value":["Annual Policy","Long Term Policy"],"display":"Annual Policy; Long Term Policy for 2 Year or 3 Year","note":"The documents do not state half-yearly, quarterly or monthly premium payment modes.","quote":"A. Annual Policy ... Policy Term | Rate\n2 Year | 2 Times of Annual Rate\n3 Year | 3 Times of Annual Rate","sources":[{"clause":null,"heading":"A. Annual Policy","page":13,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-a-annual-policy"},{"clause":null,"heading":"B. Long Term Policy","page":16,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-b-long-term-policy"}],"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":"Available for a maximum of 1 Day Care Treatments per Policy Year; cataract coverage is limited to 1 surgery in a Policy year.","quote":"Optional Cover ... 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":"5","heading":"Optional Cover","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-5"},{"clause":null,"heading":"Day Care Treatment Benefit","page":7,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-day-care-treatment-benefit"}],"law":[]},{"key":"grace_cover","label":"Cover during the grace period","section":"Renewal and rights","meaning":"Whether a claim during the grace period is paid.","status":"quote-verified","value":"Coverage is not available during the grace period. The general definition adds that coverage need not be available when no premium is received, but insurers shall offer coverage during the grace period if the premium is paid in instalments during the policy period.","display":"Coverage is not available during the grace period","note":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":"3.11(b)(iv)","heading":null,"page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-3-11-b-iv"},{"clause":"8.8","heading":"Renewal","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-8"}],"law":[]},{"key":"daily_amount","label":"Daily amount","section":"Cover","meaning":"The fixed amount paid per day in hospital.","status":"quote-verified","value":"Daily Cash options are ₹500, ₹1000, ₹2000, ₹3000, ₹4000 and ₹5000 per day. Accident Hospital Cash pays 2 times the Daily Hospital Cash amount, and ICU Benefit pays 2.5 times the Daily Hospital Cash amount for each consecutive 24 hours in ICU.","display":"₹500/1000/2000/3000/4000/5000 per day; accident 2 times; ICU 2.5 times","note":"Daily amount options are from the prospectus plan chart.","quote":"Per Day Benefit Limit(₹) | 500/1000/2000/3000/4000/5000 | 500/1000/2000/3000/4000/5000 ... then the Company will pay to the Insured Person, 2 times of Daily Hospital Cash amount mentioned in the schedule for each consecutive 24 hours of hospitalization ... We will pay 2.5 times of the Daily Hospital Cash amount for each consecutive 24 hours that the Insured Person is admitted in an Intensive Care Unit","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-4"},{"clause":"4.1(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-ii"},{"clause":"4.1(III)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-iii"}],"law":[]},{"key":"max_days","label":"Maximum days","section":"Cover","meaning":"Most days paid per admission and per year.","status":"quote-verified","value":"The maximum number of days per year is the benefit period chosen: Basic Plan 15/30/60/90/120/180 days and Advance Plan 90/120/180 days. ICU benefit is subject to a maximum of 15 days per Policy Year; the per-admission maximum is not separately stated.","display":"Basic: 15/30/60/90/120/180 days; Advance: 90/120/180 days; ICU max 15 days per Policy Year","note":"Plan available days are from the prospectus.","quote":"Plan Available in days | 15/30/60/90/120/180 | 90/120/180 ... subject to maximum of 15 days per Policy Year. ... Upon exhaustion of the Maximum number of days per year chosen.","sources":[{"clause":"4","heading":"Scope of Benefits","page":2,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772#c-4"},{"clause":"4.1(III)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-iii"},{"clause":"8.7","heading":"Policy Termination","page":12,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-8-7"}],"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 for a minimum of 24 consecutive in-patient care hours, except specified procedures or treatments. Sickness daily cash and ICU cash have a 1-day deductible on every hospitalisation except accidental hospitalisation; accident hospital cash has no deductible.","display":"Minimum 24 consecutive hours; 1-day deductible for sickness and ICU except accidental hospitalisation","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. ... Deductible - 1- day deductible is applicable on every hospitalization. ... Deductible - Not Applicable ... Deductible - 1- day deductible is applicable on every hospitalization except accidental hospitalization.","sources":[{"clause":"3.11(b)(v)","heading":null,"page":3,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-3-11-b-v"},{"clause":"4.1(I)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-i"},{"clause":"4.1(II)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-ii"},{"clause":"4.1(III)","heading":null,"page":6,"url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871#c-4-1-iii"}],"law":[]}],"documents":[{"kind":"wording","label":"Shri Hospital Daily Cash Benefit Insurance (policy wordings)","pages":20,"fetched_at":"2026-10-17 20:08:55+00","source_url":"https://cdn.shriramgi.com/webassets/download/policy-wordings/6e56cd22-31ff-4306-ad62-e97fc12465ba_Policy%20Wording_Shri%20Hospital%20Daily%20Cash%20Benefit%20Insurance%20(1).pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15871"},{"kind":"wording","label":"Shri Hospital Daily Cash Benefit Insurance (IRDAI copy)","pages":22,"fetched_at":"2026-10-20 02:34:03+00","source_url":"https://irdai.gov.in/documents/37343/931203/SGLHLIP22230V012122.pdf/e81cde2a-e3b4-9d93-2407-f259affd01a3?version=1.1&t=1668853465799&download=true","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/28786"},{"kind":"prospectus","label":"Shri Hospital Daily Cash Benefit Insurance (prospectus)","pages":21,"fetched_at":"2026-10-17 20:07:11+00","source_url":"https://cdn.shriramgi.com/webassets/download/prospectus/80fbd111-3c4f-4b9d-a0bd-027a79d3413f_Prospectus%20%20Shri%20Hospital%20Daily%20Cash%20Benefit%20Insurance.pdf","url":"https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223/document/15772"}],"versions":[{"uin":"SGLHLIP22230V012122","version":null,"approved_on":null},{"uin":"SGLHLIP23138V022223","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 Hospital Daily Cash Benefit Insurance (UIN SGLHLIP23138V022223), IndiaInsurances, https://indiainsurances.com/policy/shriram-general-insurance/shri-hospital-daily-cash-benefit-insurance-sglhlip23138v022223"}