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SBI Hospital Daily Cash Health Insurance

381 reviews Rate This
SBI Health Insurance
Hospital Daily Cash
Claim SettlementDedicated Team
Claim Settlement Ratio66.08%
COVID-19 CoverYes
Network Hospitals6,000+
Policies Sold7,56,443
RenewabilityLifelong

About SBI Hospital Daily Cash Health Insurance

Health costs put stress during hospitalisation due to an illness/injury or accident, especially when your traditional medical insurance fails to cover all the medical expenses. Therefore, SBI General has introduced a Hospital Daily Cash Plan, that provides policyholders with added protection and provision for the expenses that are generally not covered under health insurance policies. This plan of SBI General lets you earn a fixed benefit for each day of hospitalisation regardless of the actual medical cost.

The Hospital Daily Cash has been designed to take care of additional expenses like travel, food, etc. These expenses are usually not covered under the basic health insurance policy. But the Hospital Daily Cash can cover these expenses as well. And this policy comes with flexible plan options – Rs. 500/day to Rs. 2000/day for up to a maximum of 30 or 60 days. The entry age to buy this policy is from 18 years to 65 years. The policy also covers children from the age of 90 days provided that both the parents are concurrently covered. The Hospital Daily Cash cannot be purchased online and is only available offline.

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Key Inclusions and Exclusions of the Plan

What's Included

  • The maximum payable benefit is 30-60 days as mentioned in the policy document
  • Twice the hospital daily cash benefit for hospitalisation due to an accident/injury
  • Twice the hospital daily cash benefit for continuous 24 hours of hospitalisation in ICU
  • Thrice hospital daily cash benefit or Rs. 5,000 for 10 consecutive days of hospitalisation
  • Hospital daily cash benefit for each continuous 24 hours of hospitalisation

What's Not Included

  • Diseases like cataract, hysterectomy to be covered after a waiting period of 2 years
  • All expenses for AIDS/HIV and related diseases are permanently excluded
  • Use or abuse of drugs or alcohol or other substances and treatment for de-addiction
  • Treatment for any mental illness, disease, psychiatric or psychological disorders
  • Surgeries like hernia, hydrocele, etc. to be covered after 1 year of waiting period

17100 SBI Cashless Network Hospitals in India

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Hospital Daily Cash User Reviews

4.6
Rating based on
381 User reviews
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What users are saying
  • All
  • Affordable Premiums

    InsuranceDekho offers some of the most affordable health insurance premiums in the market. I was able to find the SBI- Hospital Daily Cash that fits my budget without compromising on coverage.

    Read More

    J
    By Jasshree Pathak
    On: Sep 12, 2023
  • Secured payment methods

    I checked out the website of InsuranceDekho as I was looking for a health insurance policy for parents. I decided to buy the SBI- Hospital Daily Cash Policy. I liked that various payment methods are available on the website and they are safe and secure. 

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    A
    By Asif Khan
    On: Sep 04, 2023
  • Elite level service

    Whenever I come to InsuranceDekho for policy-related queries, I feel privileged as a customer. I am a policyholder of SBI’s Hospital Daily Cash. No matter how small the query is, I have seen sincerity and eagerness in the team always to help. They deserve 5 stars for the elite-level service! 

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    K
    By Kishore Ahuja
    On: Mar 03, 2021
  • Renewal is very swift

    Through InsuranceDekho, the renewal process has become very swift. I could easily renew the Hospital Daily Cash policy of SBI’s through this website. I just followed the steps and provided my existing policy details. My policy was renewed instantly after making the payment.

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    S
    By Sidra Khan
    On: Nov 11, 2020
  • Good effort by insurer

    I came to know about this unique policy by insurancedekho team. I bought it because it looked like a worthy investment to me. After all, our basic health policies do not give a daily cash benefit on every hospitalization day irrespective of the actual cost. I will definitely suggest this one to my relatives too.

    Read More

    K
    By Komal Devi
    On: Feb 27, 2020
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SBI Hospital Daily Cash Expert Review

  • Expert Review

    Hospital Daily Cash by SBI General Insurance is a policy quite different from the regular health insurance plans. Specifically designed to help people manage their additional costs other than those covered under health insurance policies, Hospital Daily Cash lets you be in control of expenses by providing a fixed benefit for each day of hospitalisation. One-of-a-kind, the offered policy is a big relief for those who often find themselves worrying about traveling, food, and others expenses like such during treatment.

    Talking about eligibility for Hospital Daily Cash, while the minimum entry age is 18 years, the maximum entry age is 65 years. The policy also covers children from the age of 3 months, provided that both parents are covered in the first place. Available for individuals and families, Hospital Daily Cash policy comes with a Daily Benefit Amount range that starts form Rs. 500 and goes up to Rs. 2,000. Please note that the policy doesn’t comprise of sum insured range that is common in other plans.

  • Major Attractions

    When you choose Hospital Daily Cash policy by SBI General Insurance, you choose peace of mind as well as great financial help. With this policy by your side, you won’t have to remain concerned about expenses other than the actual medical cost. A smart investment, the policy can actually be of immense help and allow you to avail tension-free medical treatment, without compromising on its quality.

    • Fixed benefit for each day
    • Enhanced coverage
    • Covers additional expenses (not covered under regular health insurance policies)
    • Flexible coverage options – 30 days & 60 days coverage
    • Daily cash benefit of up to Rs. 2,000 per day of hospitalisation
    • Daily cash benefit of up to Rs. 4,000 per day of accidental hospitalisation
    • Daily cash benefit of up to Rs. 4,000 per day of ICU hospitalisation
    • Fixed sum of up to Rs. 5000 to take care of convalescence expenses
    • 4 options to select in terms of daily benefit amount – Rs. 500, Rs. 1,000, Rs. 1,500 and Rs. 2,000

  • What’s More?

    SBI General’s Hospital Daily Cash policy is a boon that handles incidental expenses that may not be that huge, but matter a lot to the insured. Other than covering significant expenses, the policy comes up with crucial aspects that make it complete. Some of the key features that enhance the value of Hospital Daily Cash Policy include -

    • No exit age
    • Grace period of 30 days
    • Easy policy portability
    • Free look period of 15 days
    • Tax benefits under Section 80D of the Income Tax Act, 1961

  • Conclusion

    All in all, Hospital Daily Cash is the ultimate supplement to health insurance policies you can ask for. Contrary to what most people believe, investing in this policy is nowhere unnecessary as it helps you tackle expenditure that impact the financial stability in a drastic manner. 

    If willing to invest in a Hospital Daily Cash Policy, it is advisable to visit the branch of SBI General Insurance, as this policy is not available online. However, you can choose InsuranceDekho as the initial platform to gain detailed knowledge about the policy before buying the policy offline.

SBI Hospital Daily Cash Brochure

  • 2.47 MB
  • PDF Document
  • Jul 29, 2019
Download PDF

Claim Process at SBI Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

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FAQs on Hospital Daily Cash Health Insurance Plan

  • Can a patient of hypertension buy Hospital Daily Cash Insurance?

    Yes, a person suffering from hypertension can buy the Hospital Daily Cash Plan of SBI General. However, any pre-existing disease such as BP, kidney, heart problems is not covered. 

  • Dose the SBI General’s Hospital Daily Cash insurance provide coverage for daycare treatment?

    No, the daycare treatment is not covered by the Hospital Daily Cash insurance plan of SBI General.

  • Is the hospitalisation due to maternity covered under the Hospital Daily Cash insurance policy?

    No, Hospital Daily Cash insurance does not provide coverage for hospitalisation due to maternity.

  • Is the tax benefit available under the Hospital Daily Cash policy?

    Yes, you can save tax by choosing the Hospital Daily Cash policy. The benefit is available u/s 80D of the Income Tax Act. 

  • Is the portability feature available for the policy?

    The portability feature is available. But, it is only possible within similar products, i.e. you can port your existing Hospital Daily Cash policy into the SBI General’s Hospital Daily Cash policy.

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