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Star Hospital Cash Insurance Policy
The Star Hospital Cash Insurance Policy provides a lump sum for each day of hospitalisation due to sickness or accidental injury, with the choices for individual or family (floater) coverage. The fixed daily allowance for every day of hospitalisation ranges from Rs. 1000 to help offer coverage for miscellaneous expenses during hospitalisation.
This policy includes different plan options (Basic Plan and Enhanced Plan), and flexibility in the plan.
The Star Hospital Cash Insurance Policy is needed as it provides additional financial security during hospitalisation. It covers costs of travel, food, and other non-medical expenses that aren't covered by a general health insurance plan. The policy aims to reduce the financial burden related to hospitalisation by offering a lump sum payment for incidental expenses.
This Insurance policy refers to a separate insurance policy that provides a daily allowance to the insurance policyholder at the time of hospitalisation. This policy offers coverage for non-medical expenses, lowers financial stress, and allows flexible usage. Let's learn more about the Star Hospital Cash Insurance Policy here.
IRDAI UIN: SHAHLIP20046V011920
HIGHLIGHTS
Plan Essentials
Plans Offered
This policy offers Basic and Enhanced plan options with exclusive benefits.
Policy Term
This policy can be availed for a term of 1 year, 2 years or 3 years.
Policy Type
This policy can be availed either on an Individual or Floater basis.
Entry Age
Any person aged between 18 and 65 years can avail this policy. Under the Floater basis, a maximum of up to three dependent children aged between 91 days and 25 years are covered.
Hospital Cash Days
The number of hospital cash days varies from 30 to 180 days under Basic plan and 90 to 180 days under Enhanced plan.
Day Care Procedures
Expenses incurred for the specified day care treatments mentioned in the policy clause are covered up to five times in a policy year.
Hospital Cash Amount (Per Day)
The available daily hospital cash amounts under Basic plan are Rs. 1000, 2000 and 3000/-, and Enhanced plan are Rs. 3000, 4000 and 5000/-.
Detailed List
Understand what’s included
IMPORTANT HIGHLIGHTS
Sickness Hospital CashDaily hospital cash due to sickness is provided up to the hospital cash amount for the maximum number of days chosen by the insured. Under Basic plan, one day deductible is applicable. |
Accident Hospital CashDaily hospital cash due to accidents is provided up to 150% of the hospital cash amount opted by the insured person for the maximum number of days chosen by the insured. |
ICU Hospital CashDaily hospital cash for ICU expenses due to sickness or injury is provided up to 200% of the hospital cash amount opted by the insured person. The maximum number of hospital cash days varies between individual and floater policies. |
Convalescence Hospital CashIn case of hospitalisation beyond 5 consecutive days, one day additional hospital cash amount is provided as convalescence hospital cash. |
Child Birth Hospital CashFemale insured persons are eligible to avail daily hospital cash benefit towards childbirth after a waiting period of 2 years from the first commencement of this policy. |
Worldwide Hospital CashIn case of hospitalisation towards illness or injury outside India, 200% of daily hospital cash amount subject to maximum number of days chosen by the insured person is provided. |
Day Care ProceduresExpenses incurred for the specified day care treatments mentioned in the policy clause are covered up to five times in a policy year. |
Please refer to the Policy Documents to know the policy details and Terms & Conditions.
| Sl. No. | Name of the Benefit | Basic Plan | Enhanced Plan |
|---|---|---|---|
01 | Sickness Hospital Cash | Hospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: One day deductible is applicable.
| Hospital Cash Amount (per day) for maximum number of days chosen by the insured. Deductible: No Deductible |
02 | Accident Hospital Cash | Up to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insured.
| Up to 150% of the Hospital Cash Amount (per day) for a maximum number of days chosen by the insured |
03 | ICU Hospital Cash due to Sickness and / or Injury | Up to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year.
| Up to 200% of the Hospital Cash Amount (per day) chosen by the insured. Where the policy is issued on Individual Basis, ICU Hospital Cash is payable for a maximum of 30 days only in a policy year. Where the policy is issued on Floater Basis, ICU Hospital Cash is payable for a maximum of 90 days only in a policy year |
04 | Convalescence Hospital Cash | Not Available
| If Hospitalization is beyond 5 days one day additional Hospital Cash amount is given as Convalescence Cash Benefit. |
05 | Child Birth Hospital Cash | Not Available
| Available. Note : This benefit is subject to a waiting period of 2 years from the first commencement of this (Star Hospital Cash Insurance Policy). Only female insured persons are eligible for this benefit |
06 | Worldwide Hospital Cash | Not Available
| If the Insured Person is Hospitalized outside India for treatment of Illness or Injury, 200% Hospital Cash Amount chosen by the insured person is payable. |
Waiting Period
1. For Pre-Existing Diseases (Basic Plan) - 36 months
2. For Pre-Existing Diseases (Enhanced Plan) - 36 months
3. For Specific Diseases/Procedures (Both Basic & Enhanced plans) - 24 months
4. Initial Waiting Period - 30 days (Except for Accidents)
Premium Illustration
Benefit/Premium illustration for Individual and Floater basis please click here
Free Look Period
The Free Look Period shall be applicable on new individual health insurance policies and not on renewals or at the time of porting/migrating the policy.
The insured person shall be allowed free look period of thirty days from date of receipt of the policy document whether electronically or otherwise to review the terms and conditions of the policy, and to return the same if not acceptable.
i. If the insured has not incurred any claim during the Free Look Period, the insured shall be entitled to a refund of the premium paid less any expenses incurred by the Company on medical examination of the insured person and the stamp duty charges or
ii. where the risk has already commenced and the option of return of the policy is exercised by the insured person, a deduction towards the proportionate risk premium for period of cover or
iii. where only a part of the insurance coverage has commenced, such proportionate premium commensurate with the insurance coverage during such period
Grace Period For Renewal
30 days from date of expiry of policy.
Note: Renewal premium, terms and conditions are subject to change as per the extant Guidelines.
STAR HEALTH
Why Choose Star Health Insurance?
As a Health Insurance specialist, we extend our services from offering tailor-made products to fast in-house claim settlements. With our growing network of hospitals, we ensure easy access to fulfill your medical needs.
Diagnostic Centres
Get access to 1,635 diagnostic centres across India with home pickup of lab samples and health checkups at your doorstep.
E-Pharmacy
Order medicines online at a discounted price. Home delivery and store pick-ups are available across 2780 cities.
24*7 Customer Service
Call us at 1800-425-2255 for claim intimation, telehealth services, and to clear your queries.
In-house Claim Settlement
We’re the first Standalone Health Insurance company to settle the claims without any TPA but with a qualified in-house team.
Claim Settlement
96% of our claims are settled under cashless within 3 hours and 96% of claims are settled under reimbursement within 7days.
Hospitals
We got you covered under our valuable service providers, an agreed network and network hospitals for quality treatment.
Awards
We’ve been awarded for innovative product, best claim settlement and service provider from reputed survey organisations.
Network Hospitals
Hospitals in agreement with Star Health provide seamless cashless facilities. The approval process is quick and comfortable.
Agreed Network Hospitals
Hospitals that have agreed with Star Health to provide cost-effective package rates for surgical and medical procedures.
Valuable Service Providers
These hospitals are identified by Star Health and have been specially recognised for their efforts, services and quality.
Non-Network Hospitals
For getting treatments in non-network hospitals(not in agreement with Star Health), you can avail reimbursement claims.
Excluded Providers
Hospitals, where claims are not admissible. But life-threatening situations/accidents expenses are payable up to stabilisation.
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Star Hospital Cash Insurance Policy (UIN: SHAHLIP20046V011920)
- Star Hospital Cash Insurance Policy offers additional protection and covers incidental expenses such as travelling, food, and other costs that are not included under your Health Insurance Policy during an event of hospitalization.
- This policy provides coverage on a lump sum basis for expenses incurred by the insured during hospitalisation due to Illness / Sickness / Injury for each completed day.
- Star Hospital Cash Insurance Policy is available in 2 variants - Basic and Enhanced Plan.
- Hospital Cash Amount (Rs.) per day for Basic Plan: 1,000; 2,000;3,000
- Hospital Cash Days per policy year for Basic Plan: 30 / 60 / 90 / 120 / 180
- Hospital Cash Amount (Rs.) per day for Enhanced Plan: 3,000; 4,000;5,000
- Hospital Cash Days per policy year for Enhanced Plan: 90 / 120 / 180
Benefits available under the Basic Plan are:
- Sickness Hospital Cash
- Accident Hospital Cash
- ICU Hospital Cash due to Sickness and/or Injury
Benefits available under the Enhanced Plan are:
- Sickness Hospital Cash
- Accident Hospital Cash
- ICU Hospital Cash due to Sickness and/or Injury
- Convalescence Hospital Cash
- Childbirth Hospital Cash
- Worldwide Hospital Cash
- Specified list of Day Care Treatments are also covered under this policy
Thus, investing in the Star Hospital Cash Insurance Policy provides unparalleled financial protection during medical emergencies.
Secure your financial future with the Star Hospital Cash Insurance Policy and ensure stress-free hospital stays by just focusing on your complete recovery.
There is no doubt that health care costs are high today, and they are only rising. Vector-borne, air-borne and water-borne infections could easily cost a person’s entire monthly savings. You can, of course, get your regular health coverage to cover your hospital expenses. But once you land in a hospital, you may encounter many other miscellaneous costs and unavoidable expenses.
A hospital cash insurance policy can offer some relief here, and one of the best features of this policy is that even the little things are covered for you. With this plan in place, your day-to-day needs will be taken care of. This policy can be an additional benefit plan along with your existing health insurance policy. To cover you with a fixed amount of money for each day of hospitalisation. This payment can be utilised for miscellaneous expenses during your hospital stay. Besides, this policy will also be beneficial for the insured to cover any other out-of-pocket expenses like petrol, food for the attendant, etc., incurred outside the hospital. For example, the coverage in your hospital cash policy is Rs. 1000 per day, the insurer will pay you Rs. 1000 for each day during the entire period of your hospitalisation. However, it is entirely up to you how to spend the funds.
They also work very well as an add-on to your existing health medical policy. You simply have to choose the daily cash limit and the number of days covered as available in the policy.
Star Hospital Cash Insurance Policy provides daily hospital cash during the insured’s confinement in the hospital in addition to any in and out expenses. The policy can be an add-on to all the medical plans offered by Star Health.
Features of Star Hospital Cash Insurance Policy
Daily hospital cash insurance plans are ideal for covering non-medical costs like travel and food, which are often overlooked in standard health policies.
Eligibility
Star Hospital Cash Insurance Policy can be purchased by individuals and families between the ages of 18 and 65 years, including your spouse and up to 3 dependent children between the ages of 91 days and 25 years.
Product type
Two plans are available - a Basic Plan and an Enhanced Plan - on both individual and floater basis. Under both basic and enhanced plans, the policyholder can choose a combination of hospital cash amounts per day and the number of hospital cash days. The table below illustrates the options of hospital cash amount and number of hospital cash days.
| Plan type | Hospital cash amount | Number of hospital cash days |
| Basic Plan | Rs. 1000, Rs. 2000, Rs. 3000 | 30/60/90/120/180 days |
| Enhanced Plan | Rs. 3000, Rs. 4000, Rs. 5000 | 90/120/180 days |
Policy term
Available for - 1 year / 2 years / 3 years
Waiting periods
Illness contacted within 30 days of the policy inception date is not covered. The exception is in case of an accident. Coverage for specified illnesses/ surgeries becomes effective after 24 months. Pre-existing diseases are covered after a waiting period of 36 months (basic plan) and 24 months (enhanced plan) from the policy inception date.
Portability
As per IRDAI guidelines on portability, the insured person has the provision to port the policy to another insurer by applying to that insurer to port the entire policy. All family members can port at least 45 days before, but not earlier than 60 days before, the renewal date.
Free-look period
A free-look period of 30 days from the date of receipt of the policy is available for reviewing the policy’s terms and conditions. If the insured is not satisfied with the policy, they will have the option of cancelling the policy within the stipulated period. However, this feature is not applicable for policy renewals.
What is covered in the Star Hospital Cash Insurance Policy (basic and enhanced plan)?
The Star Hospital Cash Insurance Policy will provide daily cash benefits when the insured person(s) are required to be hospitalised for treatment for at least 24 hours for the maximum number of days chosen by the insured. The plan will cover expenses incurred towards the following as per the terms of the policy.
- Sickness hospital cash - Hospital Cash Amount (per day) for the maximum number of days selected by the insured. Applicable for both basic and enhanced plans.
- Accident hospital cash - 150% of the Hospital Cash Amount (per day) for the maximum number of days selected by the insured.
- ICU hospital cash - 200% of the Hospital Cash Amount (per day) selected by te insured. For policies issued on an Individual Basis, ICU Hospital Cash is payable for up to 30 days per policy year. For Floater Basis policies, the maximum is 90 days per policy year.
- Convalescence hospital cash - If hospitalisation exceeds five consecutive days, an additional one-day Hospital Cash amount is provided as a Convalescence Cash Benefit. This benefit does not apply to the basic plan.
- Childbirth hospital cash - A two-year waiting period applies to this benefit from the policy start date. Eligibility is limited to female insured persons. This benefit is not available under the basic plan.
- Worldwide hospital cash - If the insured person is hospitalised outside India for treatment of illness or injury, we will pay 200% of the selected daily hospital cash amount. This benefit does not apply to the basic plan.
- Daycare procedures - Fractures (other than hairline fractures), Cataract, Dilatation and curettage, Hemodialysis, Parenteral Chemotherapy, Radio Therapy, Coronary Angiography, Lithotripsy, Manipulation for Dislocation under General Anaesthesia, Cystoscopy under General Anaesthesia. The above-mentioned covers 1, 2, 3 and 6 are applicable for these daycare treatments. An insured person is eligible for a claim in respect of the above-mentioned daycare treatments only five times in a policy year.
Why is Hospicash Insurance Needed During Hospitalisation?
Hospicash health insurance ensures that you receive a daily cash benefit during hospitalisation, making it a practical supplement to your primary health insurance. Unexpected hospital stays can strain your finances, especially when income is disrupted. Hospicash insurance offers a daily cash benefit for each day of hospitalisation, helping cover non-medical expenses like food, travel, and lost wages. This fixed payout is provided regardless of actual hospital bills, making it a valuable supplement to traditional health insurance.
Whether you're admitted for surgery, illness, or recovery, hospicash insurance ensures peace of mind by easing the financial burden. It’s a smart choice for individuals seeking extra protection during medical emergencies without the hassle of complex claims or reimbursements.
Why choose Hospital Cash Health Policy from Star Health Insurance?
Individuals and family members below 60 years can get Rs. 25,000 deductions from taxable income, and the deductible amount can extend up to Rs. 50,000 for senior citizens on premiums paid as per Section 80D of the Income Tax Act, 1961. If two family members above the age of 60 are insured under one policy, then the deductible amount extends to Rs 1 lakh. In contrast, a family member below the age of 60 and their parents are insured too under the same policy, then they can avail of a deduction of Rs 75,000. Choosing the best hospital cash policy depends on factors like coverage amount, number of days, and additional benefits such as ICU or worldwide coverage.
How to register a claim for the Star Hospital Cash Insurance plan?
Star Health offers hassle-free claim settlement for all its customers. You can get a reimbursement for the Star Hospital Cash Insurance Plan.
A reimbursement claim means you settle the hospital bill from your own pockets and then apply for reimbursement from the insurance company. The process of reimbursement is as follows:
- The claim should be intimated within 24 hours of hospitalisation. Treatment can be from either a network or a non-network hospital.
- You can avail treatment, settle all the required documents and then file a claim for the reimbursement.
- After successful verification, your insurer will process the claim, and you will receive the amount in your registered bank account.
- Discharge Summary from the hospital.
- Copy of Final hospital bill.
- Copy of PAN card, Cancelled cheque or NEFT Details.
- A claim for Time-Bound / Permanent exclusions in a health insurance plan.
- If Material Facts, are Non-disclosed / Mis-Represented / Fraudulent claims.
- Claims from Excluded Provider (only Payable during a Life-threatening situation/accident up to the stage of stabilisation).
- If you fail to submit the documents required for the claim.
FAQ's
Adults between 18 years and 65 years can purchase this policy. Dependent children from 91 days to 25 years can also be covered.
Yes. Star Hospital Cash Insurance Policy’s Basic Plan has a deductible of one day for sickness hospital daily cash benefit. The deductible represents the amount that the insurer deducts before starting to pay the holder the hospitalisation cash benefit amount. E.g. a deductible of 1 day means that the provided daily cash benefit for a day from your chosen total number of days in the hospital will be subtracted. Besides, if you spend just one day in the hospital - you will get nothing from your hospital cash plan. But if you spend five days in the hospital, then after applying a 1- day deductible, you are eligible to receive the benefit for four days.
Hospital Cash Amount (per day) chosen by the insured as lump-sum amount for the expenses incurred by the insured during hospitalisation due to Illness / Sickness / Injury Sickness Hospital Cash / Accident Hospital Cash(150% ) / ICU Hospital - Cash due to Sickness and/or Injury (200%) / Worldwide Hospital Cash ( 200%) / Convalescence Hospital Cash / Child Birth Hospital Cash.
The Hospital Cash Insurance Policy requires the insured to be hospitalised for a minimum period of 24 hours to be eligible for the fixed daily cash benefit. This exception is for sickness hospital daily cash benefit in the Star Hospital Cash Insurance Policy’s Basic Plan.
The Hospital Cash Amount (per day) is chosen by the insured as a lump-sum amount for the expenses incurred by the insured during hospitalisation due to Illness / Sickness / Injury.
Hospital Cash Amount (per day) options:
Basic Plan Rs :1,000/- ; 2,000/- ; 3,000/-
Enhanced Plan Rs :3,000/- ; 4,000/- ; 5,000/-
List of claim documents you need:
- Copy of Discharge Summary / Discharge Certificate
- Copy of Final Hospital Bill
- Aadhar card & PAN card Copies
- NEFT details
Yes. All daycare procedures are eligible to get daily cash benefits under this policy.
Yes. Pre Existing Diseases (PED’s) are eligible to receive daily cash benefits after a waiting period of 36 months in the Star Hospital Cash Insurance Policy’s Basic Plan. Star Hospital Cash Insurance Policy’s Enhanced Plan covers PED’s after a waiting period of 24 months.
Certainly. The Hospital Cash Health Insurance Policy can be an add-on to any of your existing health insurance plans.
Unfortunately, no. The Hospital Cash Insurance Policy does not cover maternity expenses. We would suggest some of our best-selling policies for your maternity needs. Star Comprehensive Insurance Policy, Family Health Optima Insurance Policy and Young Star Insurance Policy top our list for maternity needs.
A hospital daily cash insurance refers to a supplementary plan that offers a fixed, daily cash payment to the health insurance policyholder for each day they are hospitalised, irrespective of actual medical bills. This hospital daily cash insurance amount helps offer coverage for non-medical expenses, such as transportation, food, and attendant costs, offering important financial support for patients and their families during a hospital stay.
Hospital cash benefit insurance helps pay out to the policyholder a fixed amount at the time of taking the plan in case you get hospitalised. Hospital cash benefit insurance gives a fixed daily payout to the health insurance policyholder for each day they are hospitalised, irrespective of the actual medical bills.
The daily hospital cash policy offers a financial buffer. So, this financial buffer helps with costs like transportation, food, and attendant care. The daily hospital cash policy acts as an income replacement during recovery, and can even help save your No Claim Bonus (NCB) on your basic health policy.
A Hospital Cash Benefit Policy has many key aspects. The key aspects of a Hospital Cash Benefit Policy include Daily Payout, Minimum Hospitalisation, ICU Benefit, and Add-on Nature.
Yes, a hospital cash rider can be attached to many comprehensive health plans to offer daily cash benefits alongside standard medical coverage.
A hospital cash benefit policy pays a fixed per‑day allowance during eligible hospital stays, helping you manage incidental, non‑medical expenses without submitting detailed bills.
Yes, group hospital cash insurance is designed to provide uniform daily cash benefits to covered employees, with terms defined by the employer’s group policy.
Hospital daily cash health insurance plans offer a fixed cash amount per day that can be used for incidental costs such as transportation, meals, and other non‑medical expenses.
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Disclaimer:
Health Insurance Coverage for pre-existing medical conditions is subject to underwriting review and may involve additional requirements, loadings, or exclusions. Please disclose your medical history in the proposal form for a personalised assessment.
The information provided on this page is for general informational purposes only. Availability and terms of health insurance plans may vary based on geographic location and other factors. Consult a licensed insurance agent or professional for specific advice. T&C Apply. For further detailed information or inquiries, feel free to reach out via email at marketing.d2c@starhealth.in
