Kshema Hospi DinDhan Suraksha (Retail)
Kshema Hospi DinDhan Suraksha is a daily cash benefit plan designed to ease your financial burden in case of hospitalisation, as per the policy terms and conditions.
Whether it’s an accident, illness, or maternity, we help you recover with confidence.
- Coverage for individuals and/or family members (multi-individual)
- No pre-policy checks required
- Simple enrolment process
Optional Covers:
1. Maternity hospitalisation cover
2. Double payout in case of:
i. ICU admission
ii. Hospitalisation due to an accident
Why Choose Kshema Shop Insurance Policy?
Daily Cash Benefit
Get cash in hand for every day of hospitalisation to manage out-of-pocket expenses.
Flexible Coverage Options
Choose individual or multi-member family coverage for complete protectionNo Pre-Policy Medical Checks
Hassle-free enrolment without any health tests.Simple Enrolment Process
Quick and easy sign-up to get covered without delays.Optional Double Payout
Option to receive double benefits for ICU admission or accident-related hospitalisation.Added Protection for Maternity
Optional maternity hospitalisation cover with upto 5 days of coverage, and no deductible.Protect your business assets from
Stay financially secure while you recover
Choose Kshema Hospi Dindhan policy
Personal Accident
Because health costs don’t stop at hospital bills.
Important Notes
- Minimum 24 hours of hospitalization is required to admit a claim
- Waiting period applicable for pre-existing diseases
- 1 day deductible is applicable for every claim
- A waiting period of 9 months applies to maternity hospitalisation benefit, with a maximum coverage of 5 days, no deductible applicable
Frequently Asked Questions
Kshema Hospi DinDhan Suraksha (Retail) is a health insurance plan that provides fixed daily cash benefits during hospitalization. It helps cover extra expenses when you need it most.
If You are hospitalized for disease / illness or accidental Injury, a fixed daily cash benefit as per the Sum Insured will be paid for each completed 24-hour stay.
Optional cover available under this Policy are
i. Intensive Care Unit (ICU) HospiCash
ii. Accidental HospiCash
iii. Maternity HospiCash
A deductible for one day will be applicable for each claim except Maternity HospiCash.
91 days to 55 years completed.
Min Sum Insured is Rs 100 and Max Sum Insured is Rs 20,000 per day for up to 10 days/ 20 days/ 30 days/ 40 days depends on the selection of Insured.
You must pay premium in advance. The insurance cover begins only after We receive Your premium.
You can pay your policy premium through debit & credit card issued by your bank, internet banking, wallet/cash card, EMI, UPI (GPay, PhonePe, Paytm, etc.), QR code.
If something happens, you must promptly inform us by calling our 24-hour Customer Care on 1800 572 3013 or you can email us on healthclaims@kshema.co, customer.support@kshema.co supply all required information and documentation, and adhere to the claims process detailed in your policy documents.
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