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Kshema Hospi DinDhan Suraksha (Retail)

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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

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Policy documents
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Why Choose Kshema Hospi DinDhan Suraksha 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 protection.

No 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.

Stay financially secure while you recover.
Choose Kshema Hospi Dindhan policy.

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

Policy Documents

1. Prospectus
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2. Proposal Form
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3. Policy Wordings
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4. Customer Information Sheet
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5. FAQ's
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Frequently Asked Questions

1. What is the Kshema Hospi DinDhan Suraksha (Retail) Policy?
Kshema Hospi DinDhan Suraksha (Retail) is a health insurance product designed to provide a fixed daily cash benefit for every day of hospitalization.
If you are hospitalized due to an illness, disease, or accidental injury, you will receive the chosen fixed daily cash amount for each completed 24-hour period of hospitalization.
The policy offers optional daily cash benefits for the following situations:
  • Hospital admission in an Intensive Care Unit (ICU)
  • Hospitalization due to accident
  • Hospitalization due to maternity
A one-day deductible applies to each claim, except for claims related to maternity hospitalization.
This insurance policy is available for a one-year term only.
6. What are the age eligibility criteria for coverage?
The age eligibility under this policy is:
  • Dependent children: 91 days to 25 years
  • Adults: 18 years to 55 years
Sum Insured available is in the range of Rs. 100 – Rs. 2,000 per day for a period of 10 days/ 20 days/ 30 days/ 40 days depending on the selection by Insured.
The premium must be paid in advance. Coverage becomes effective only after the premium has been successfully received.
Premiums can be paid using:
  • Debit or Credit Cards
  • Internet Banking
  • UPI platforms such as Google Pay, PhonePe,Paytm, and others.

In the event of a claim, you should notify us immediately by:

Ensure that all required information and documents are submitted and follow the claims process outlined in your policy document.

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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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