Health Insurance,
For You and Your Loved Ones

Kshema’s health insurance plans provide financial support when hospitalisation or accidents disrupt your routine, so that you can focus on recovery, not expenses.

Fixed daily cash payout for every day of hospitalisation
Financial support in case of disability, income loss, or death due to accident.

A family of four holding hands beside a green shield marked with a medical cross

What Does Our Health Insurance Plan Covers ?

At Kshema, health insurance is simple and benefit-based. Our health insurance plans focus on two essential protections:

Kshema Hospi DinDhan Suraksha

Daily cash support during hospital stays regardless of actual treatment costs. It acts as a financial supplement to cover out-of-pocket expenses.

Kshema Personal Accident Policy

Financial protection against accidents- death, disability, or income loss due to an accident.

Instead of complex health insurance plans, we offer focused coverage designed to provide real financial support when you need it.

An insurance checklist on a clipboard beside a shield marked with a medical cross

How Our Health Insurance Works?

Kshema’s health insurance plans are designed to give you direct financial support, not complicated reimbursement plans. You choose a plan, stay protected, and receive fixed payouts during hospitalisation or in case of accidents — helping you manage your expenses with ease.

Let's Understand How it Works With an Example:

Choose a health insurance plan that fits your needs.
An unexpected situation occurs - hospitalisation or an accident
If hospitalised, Kshema Hospi DinDhan Suraksha gives you a fixed daily cash payout.
In case of an accident, Kshema Personal Accident policy provide compensation based on the impact.
You receive a lump sum amount directly – irrespective of hospital bills.
You use the payout for your expenses.

Learn the Basics

Why Health Insurance is Important?

Medical Inflation
Healthcare costs are increasing every year. Medical tests, hospital stays and treatments cost much more than they did earlier. Health insurance helps protect your savings from rising medical expenses.
Lifestyle-related Diseases
Busy schedules, stress, and food habits are leading to more cases of diabetes, blood pressure and heart problems. These conditions often need regular treatment and monitoring, which health insurance helps manage.
Environmental Factors
Poor air quality and rising pollution levels are causing breathing issues, allergies, and heart-related complications. Medical insurance ensures you can seek medical care without delaying treatment due to cost concerns.
Critical Illnesses
Conditions like cancer and heart disease are no longer rare or age-specific. Treatment often starts immediately and continues for months. Health insurance helps you focus on care, not expenses.
Medical Emergencies
Accidents, sudden illnesses and unexpected hospitalisations can happen anytime. Health insurance helps you stay financially prepared when life takes an unexpected turn.

Learn the Basics

Our Health Insurance Plans

Learn the Basics

Compare Plan for
Health Insurance

Our two health insurance plans are designed to work better together

Feature / Benefit	Kshema HospiCash Insurance	Kshema Personal Accident Insurance
Purpose	Daily cash benefit for every 24 hours of hospitalisation	Lump sum financial support in case of accidental death or disability
Coverage Trigger	Hospitalisation of 24 hours or more (due to illness or accident)	Accident only (injury, disability, or death)
ICU Benefit	2X higher daily cash payout during ICU stay	Not applicable
Accident-Related Hospitalisation	Optional 2x daily payout for accident-related admissions	Covers only if the accident leads to disability or death
Maternity Benefit	Optional (after 9 months of waiting period)	Not covered
Weekly Income Support	Not available	Weekly income support for temporary total disablement
Sum Insured Structure	Based on the daily cash amount × number of days covered	Based on the Sum Insured and the extent of damage due to an accident
Payout Frequency	Paid for each day of hospitalisation	Paid per accident event
Waiting Periods	Waiting period applies for specific conditions	No waiting periods
Ideal For	Individuals who need extra cash support during hospitalisation, especially for non-medical and daily expenses	Individuals who want financial protection against accidental risks
Best For	Managing everyday expenses and income gaps during hospital stays	Protecting your family financially in case of serious accidents
Do They Complement Each Other?	Yes	Yes

For Complete Protection, Choose Both Kshema Hospi Dindhan Suraksha and Kshema Personal Accident Policy

List of Hospitals

The list will be available once the relevant health insurance product is made available.

What Our Health Insurance Covers
& What it Doesn’t?

Once you purchase our health insurance policy, we email your policy documents and also send a hard copy by post.

What's Covered
- In-patient Hospitalization: Room rent, nursing, doctor visits, surgery, ICU, OT, medicines, diagnostics.
- Day‑care Procedures: Covered even if <24 hrs (listed procedures).
- Pre & Post-Hospitalization: Medical expenses before and after discharge, as per plan limits.
- Ambulance Cover: Emergency medical transportation as per plan.
- Domiciliary Treatment (if included): Treatment at home when hospitalisation isn’t possible.
- Add‑ons/Riders (plan‑dependent): OPD, maternity & newborn, annual health check‑ups, non‑payables cover, consumables, critical illness lump‑sum, etc.
What's Not Covered
- First 30 days waiting (accidents usually waived).
- Specified ailments waiting (e.g., hernia, cataract) per plan grid.
- Pre-existing diseases waiting period per plan.
- Unproven treatments, cosmetic surgeries, self‑inflicted injury, intoxication‑related, hazardous activities (unless covered).
- Non‑medical items unless covered by add‑ons.

Why Choose Kshema
Health Insurance?

Comprehensive coverage designed for your peace of mind

Excellent Customer Support
Get excellent customer assistance in your local language whenever you need help
Flexible Coverage
Choose the sum insured and premium that works best for you
Fast Claims
Quick and seamless claims process for a hassle-free experience

Documents Required

Keep these documents ready for a smooth policy purchase experience

REQUIRED
KYC Documents
PAN, Aadhaar, or as per regulator norms
- PAN Card
- Aadhaar Card
- Other govt-approved ID
REQUIRED
Age/Relationship Proof
For floater (spouse/children/parents)
- Marriage certificate
- Birth certificate
- Family register
REQUIRED
Address Proof
Current residential address verification
- Utility bills
- Bank statement
- Rental agreement
CONDITIONAL
Medical Reports
Only if asked by underwriting
- Blood test reports
- Pre-existing condition records
- Health check-up reports
CONDITIONAL
Previous Policy
For portability/continuity benefits
- Policy copy
- Claim history
- No-claim bonus certificate

Request a Callback Now!

Need help with finding the best insurance solution ?

Our representative will guide you through the plans and help you buy a policy.

Feature / Benefit

Kshema HospiCash Insurance

Kshema Personal Accident Insurance

Purpose

Daily cash benefit for every 24 hours of hospitalisation

Lump sum financial support in case of accidental death or disability

Coverage Trigger

Hospitalisation of 24 hours or more (due to illness or accident)

Accident only (injury, disability, or death)

ICU Benefit

2X higher daily cash payout during ICU stay

Not applicable

Accident-Related Hospitalisation

Optional 2x daily payout for accident-related admissions

Covers only if the accident leads to disability or death

Maternity Benefit

Optional (after 9 months of waiting period)

Not covered

Weekly Income Support

Not available

Weekly income support for temporary total disablement

Sum Insured Structure

Based on the daily cash amount × number of days covered

Based on the Sum Insured and the extent of damage due to an accident

Payout Frequency

Paid for each day of hospitalisation

Paid per accident event

Waiting Periods

Waiting period applies for specific conditions

No waiting periods

Ideal For

Individuals who need extra cash support during hospitalisation, especially for non-medical and daily expenses

Individuals who want financial protection against accidental risks

Best For

Managing everyday expenses and income gaps during hospital stays

Protecting your family financially in case of serious accidents

Do They Complement Each Other?

Yes

Health Insurance, For You and Your Loved Ones

What Does Our Health Insurance Plan Covers ?

How Our Health Insurance Works?

Let's Understand How it Works With an Example:

Choose a health insurance plan that fits your needs.

An unexpected situation occurs - hospitalisation or an accident

If hospitalised, Kshema Hospi DinDhan Suraksha gives you a fixed daily cash payout.

In case of an accident, Kshema Personal Accident policy provide compensation based on the impact.

You receive a lump sum amount directly – irrespective of hospital bills.

You use the payout for your expenses.

Why Health Insurance is Important?

Medical Inflation

Lifestyle-related Diseases

Environmental Factors

Critical Illnesses

Medical Emergencies

Our Health Insurance Plans

Compare Plan for Health Insurance

List of Hospitals

What Our Health Insurance Covers & What it Doesn’t?

Why Choose Kshema Health Insurance?

Excellent Customer Support

Flexible Coverage

Fast Claims

Documents Required

Request a Callback Now!

Health Insurance, For You and Your Loved Ones

What Does Our Health Insurance Plan Covers ?

How Our Health Insurance Works?

Let's Understand How it Works With an Example:

Choose a health insurance plan that fits your needs.

An unexpected situation occurs - hospitalisation or an accident

If hospitalised, Kshema Hospi DinDhan Suraksha gives you a fixed daily cash payout.

In case of an accident, Kshema Personal Accident policy provide compensation based on the impact.

You receive a lump sum amount directly – irrespective of hospital bills.

You use the payout for your expenses.

Why Health Insurance is Important?

Medical Inflation

Lifestyle-related Diseases

Environmental Factors

Critical Illnesses

Medical Emergencies

Our Health Insurance Plans

Compare Plan for Health Insurance

List of Hospitals

What Our Health Insurance Covers & What it Doesn’t?

Why Choose Kshema Health Insurance?

Excellent Customer Support

Flexible Coverage

Fast Claims

Documents Required

Request a Callback Now!

Health Insurance,
For You and Your Loved Ones

Compare Plan for
Health Insurance

What Our Health Insurance Covers
& What it Doesn’t?

Why Choose Kshema
Health Insurance?

Health Insurance,
For You and Your Loved Ones

Compare Plan for
Health Insurance

What Our Health Insurance Covers
& What it Doesn’t?

Why Choose Kshema
Health Insurance?