Kshema Hospi DinDhan Suraksha (Group)
A Kshema product
- Coverage for individuals and/or family members (multi-individual)
- No pre-policy checks required
- Simple enrolment process
- Maternity hospitalisation cover
- Double payout in case of:
- ICU admission
- Hospitalisation due to an accident
- Minor hospitalisation
Why Choose Kshema Hospi DinDhan Suraksha (Group) Policy?
Daily Cash Benefit
Insured group members receive fixed cash benefit for every day of hospitalisation to manage out-of-pocket expenses.
Flexible Coverage Options
Choose individual or multi-member family coverage for complete protection.
No Pre-Policy Medical Checks
Hassle-free enrolment without any health tests.
Simple Enrolment Process
Quick and easy sign-up process.
Optional Double Payout
Option to choose 2X benefit in case of ICU admission; accident-related hospitalisation or minor hospitalisation.
Added Protection for Maternity
Optional maternity hospitalisation cover: Up to 5 days of coverage, no deductible.
Important Notes
- Minimum 24 hours of hospitalisation is required to admit a claim
- Waiting period is applicable for pre-existing diseases based on customer preference
- Deductible is applicable for every claim based on customer preference
- Customisable waiting period applies to maternity hospitalisation benefit, with a maximum coverage of 5 days, with no deductible.
Frequently Asked Questions
1. What is Kshema Hospi DinDhan Suraksha (Group) Policy?
2. What does this Policy Cover?
3. What are the Optional Cover available?
a. Intensive Care Unit (ICU) HospiCash
b. Accidental HospiCash
c. Minor HospiCash
d. Maternity HospiCash
4. What will be the minimum and maximum Policy term for this policy?
Minimum is 1 Day
Maximum is 5 Years
5. What is the Entry Age Group ?
Age Group at Entry for Adults – 18 years to 70 years
Age Group at Entry for Children – 91 days to 25 years
6. What is the available Sum Insured under this Policy?
Minimum Sum Insured: Rs 100 per year (Rs 100/ day for 1 day)
Maximum Sum Insured: Rs 36,00,000 (Rs 20,000 / day for 180 days)
7. What is the Cancellation procedure under this policy?
- We may cancel the policy only in cases of misrepresentation, non-disclosure of material facts, or fraud, by giving 15 days’ written notice, and no premium refund will be allowed in such cases.
- You may cancel the policy at any time by giving 7 days’ written notice without assigning any reason.
- On your cancellation, refund of premium for the unexpired period will be made as per applicable rules for Annual or Multi-Year policies, after deducting any discounts applied, and no refund shall be made if any claim has been lodged or benefit availed under the policy.
8. How do I pay the Policy Premium?
9. Who can be covered under this Policy?
10. What to do in case of Claim?
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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- Coverage for personal accidents and hospital cash benefits.
- Premiums calculated based on individual preferences and optional covers.
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