Bharti Axa Bharti Axa
Quick Links

Hospital Cash Benefit

(UIN: 130B007V04)
(ADVT II-May-2020-2186)

A health insurance rider that offers you a fixed amount benefit for each day of hospitalisation. It also offers a fixed amount benefit if you are admitted in an Intensive Unit Care or a lump sum benefit in case of surgery

Ask an Advisor
4 Reasons to Buy
  • Offers daily hospitalisation benefit (DHCB). It is a fixed per day benefit paid to the policyholder for each day of hospitalisation, if the hospitalisation is for a minimum periods of 48 hours while the policy is in force.
  • Includes lump sum pay-out as Intensive Care Unit benefit and Surgical Hospitalisation benefit. ICU Benefit is twice the DHCB Surgical Benefit is 5 times DHCB and 20 times DHCB for minor and major surgeries respectively
  • Easy affordable Premiums. Convenient and affordable to buy.
  • Enjoy Tax benefits on Rider Premium as well as on base plan. Eligible under Section 80D of the Income Tax Act 1961. The Tax benefits are subject to change from time to time.
Eligibility Parameters

Minimum Age at Entry

91 days (age last birthday)

Maximum Age at Entry

65 years (age last birthday)

Maximum Maturity Age

85 years

Policy Term

Fixed: 5, 7, 10, 15 & 20 years
To Age: 75 years

Premium Payment Frequency

Annual, Semi-Annual, Quaterly and Monthly*

Premium Payment Term

Regular Premium

Maturity Benefit

No Maturity Benefit is payable

Death Benefit

No Death Benefit is payable

No Claim Bonus

Not Available


Guaranteed Renewal till the end of Premium payment Term of the base policy-No medicals at the time of renewal.

*Through ECS only

Bharti AXA Life Hospi Cash Benefit Rider provides Fixed Benefit irrespective of the actual expenses incurred on per day of hospitalization. For every claim, the hospitalization should be for a minimum period of 48 hours while the policy is in force.

Daily Hospital Cash Benefit:

Fixed per day benefit paid to the policyholder for each day of Hospitalization. This is a fixed amount not linked to the actual expenses incurred.


Intensive Unit Care Benefit:

This fixed benefit is two times the DHCB and is payable for each day of hospitalisation in the ICU.


Surgical Hospitalization Benefit:

Lump sum benefit paid in case of hospitalization for any valid and medically necessary surgeries. In case of multiple valid surgeries during a single admission, single payment for surgical procedure attracting the highest benefit will be paid.


Tax Benefits:

You may be eligible for tax benefits under Section 80D of the Income Tax Act 1961. The tax benefits are subject to change as per change in Tax laws from time to time.

Benefits Schedule

Benefit** Silver Gold Diamond
Hospital Cash Benefit
Daily Hospital Cash Benefit: DHCB 1,000 2,000 3,000
Intensive Care Unit Benefit: ICU + 100%
+ 100%
+ 100%
Surgical Hospitalisation Benefit
Major Surgeries – For surgeries directly involving the brain, heart (including coronary arteries), liver & lung 20
Minor Surgeries – All Other Valid Surgeries 5
The maximum Surgical Hospitalisation Benefit available in one policy year is capped to 90 times the DHCB
Day Limits for Hospital Cash Benefit
Daily Hospital Cash Benefit Maximum of 40 days of Hospital Stay in one policy year
Intensive Care Unit Benefit Maximum of 10 days of Intensive Care Unit stay in one policy year
**The aggregate of all benefits payable in any one policy year under this policy will not exceed an amount equivalent to 150 times the DHCB under the plan opted for by the policyholder.