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Difference Between HospiCash Rider and Surgical Rider

Updated On Jul 10, 2021

The majority of us are aware of what health insurance policies are. It is intended to safeguard insurers by offering a variety of medical policies. There are countless policies to pick from, each supplied by a different insurance policy. However, the basic plans may not always cover all of the criteria that you may have for your insurance policy. This can be anything, the amount of coverage, the benefits provided, the time period, and so on. 

Insurance riders come in handy in this situation. These are changes to the terms of a general health insurance plan's coverage. This is similar to tailoring an existing policy to the demands of the insurer. Amongst many of the popular healthcare riders are the HospiCash Rider and the Surgical Rider. At the same time, there is a lot of confusion regarding them being the same or different. 

What Is A HospiCash Rider?

A HospiCash Rider also known as Hospital Cash Rider is a health insurance rider that provides you with a set amount of money for each day you are hospitalised. It also provides a set amount payment if you are admitted to an Intensive Care Unit or a lump sum benefit if you have to go through surgery or operation. The minimum age to subscribe to this rider is 18 while the maximum is capped at 80. 

Advantages Of Buying A HospiCash Rider

  • It provides A Daily Hospitalisation Benefit (DHCB). It is a fixed per-day benefit paid to the policyholder for each day of hospitalisation if the hospitalisation lasts at least 48 hours and is covered under the policy.
  • It includes a lump sum payment as part of the Intensive Care Unit benefit and the Surgical Hospitalisation benefit. 
  • The ICU benefit is twice as much as the DHCB benefit, and the surgical benefit is 5 times DHCB and 20 times DHCB for minor and large procedures, respectively.
  • Premiums for this rider are simple and affordable if purchased in a convenient and cost-effective manner.
  • The policy holder has the right to enroll new family members in the plan if required. 
  • The policy holder’s get to enjoy tax advantages on both the Rider Premium and the Base Plan.
  • Section 80D of the Income Tax Act of 1961 qualifies. The tax advantages are subject to change at any time.

What Is A Surgical Rider? 

Surgical Rider Insurance is a supplementary insurance product that reimburses hospital costs in the event that the insured is hospitalised due to illness or accident. At a modest premium, the reimbursement includes hospital room, hospitalization, doctor counseling, research and clinical testing, outpatient care due to mishap, ambulance, dialysate, treatment for cancer, and psychotherapy. 

Advantages Of Buying Surgical Rider

  • You get access to cashless hospitalization at your insurance company’s partner hospitals, inpatient admittance is only available by displaying an insurance card
  • Remuneration based benefits include: 
    - Hospital room coverage of INR 300,000 per day.
    - The cost of various hospitalizations, doctor's visits, and surgery
    - Post-acute care is given to the patient
    - Additional advantages of dialysis, cancer treatment, and physiotherapy
    - Medical Consultation/Pre-Inpatient Care/Surgical Exam
  • This rider is available to insureds aged 6 months to 60 years.
  • Protection and rider benefits are offered until the insured reaches the age of 88.
  • This rider also adds the option of travel medical emergency support.


Both these riders are additional benefits that are added to the health insurance policy chosen. You can add riders to the policy, and your insurance will be tailored to your specific needs at a very low cost while you will keep getting the best of medical facilities. 

Must Read: All About Riders In A Child Insurance Plan

How Can You Customize Your Life Insurance Plan With Riders?

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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