Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeFixed-benefit hospital-cash health insurance policy, available on individual sum-insured or family-floater basis.View source
The BOI page describes a per-day hospitalisation benefit and both individual and family-floater cover.
- Source
- Hospicash
- Page / section
- Benefits / Family floater
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerGenerali Central Insurance Company Limited; Bank of India distributes the policy and does not underwrite the risk.View source
The policy wording defines the insurer as Generali Central Insurance Company Limited.
- Source
- Hospicash policy wording
- Page / section
- Definitions — insurer; /health wording
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageThe product is offered from 6 months to 65 years and is renewable lifelong.View source
The official page states that the product is offered from six months to 65 years and renewable lifelong.
- Source
- Hospicash
- Page / section
- Benefits / Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / coverThe policy schedule sets the selected daily Hospital Cash benefit and the overall sum insured; the reviewed BOI summary does not publish one universal daily-benefit range.View source
The wording says the schedule specifies the hospital-cash benefit and period; no single universal daily amount appears in the reviewed page excerpt.
- Source
- Hospicash policy wording
- Page / section
- Page 5 — policy benefits; Schedule definition
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverageDaily cash for each completed 24 hours of inpatient hospitalisation; two times the benefit for ICU in the insured person’s home city; three times for ICU outside the home city; ICU benefit maximum 10 days per hospitalisation and 20 days in the policy period; additional convalescence benefit ₹5,000 after hospitalisation exceeding 10 days.View source
The wording publishes one-times daily cash, two-times home-city , three-times outside-city , day caps and the ₹5,000 convalescence benefit.
- Source
- Hospicash policy wording
- Page / section
- Page 5 — Policy benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Family eligibilityFamily floater can cover self, spouse and two dependent children up to 25 years; one hospitalisation-benefit plan is selected across all members.View source
The BOI page states the family definition and that only one hospitalisation-benefit plan is selected across members.
- Source
- Hospicash
- Page / section
- Family floater / Plan selection
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium rates are age- and sum-insured-slab based and may be revised for subsequent renewals with regulator approval; the reviewed page does not publish a universal premium amount.View source
The page says the prospectus provides age/sum-insured rates and that revised premiums apply from later renewals with notice.
- Source
- Hospicash
- Page / section
- Premium and renewal note
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodThe reviewed BOI summary and policy-benefit excerpt do not state a single universal waiting-period number; consult the current wording and schedule for condition-specific periods.View source
The BOI summary describes hospital-cash and limits but does not print a general waiting-period duration.
- Source
- Hospicash
- Page / section
- Benefits / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions schedule is controlled by the policy wording and is not reproduced in the BOI summary; review the current wording before purchase.View source
The linked wording is the controlling source for exclusions; the BOI marketing page does not reproduce the complete list.
- Source
- Hospicash policy wording
- Page / section
- Policy exclusions and conditions
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsDaily cash for each completed 24 hours of inpatient hospitalisation; two times the benefit for ICU in the insured person’s home city; three times for ICU outside the home city; ICU benefit maximum 10 days per hospitalisation and 20 days in the policy period; additional convalescence benefit ₹5,000 after hospitalisation exceeding 10 days.View source
The manually reviewed product record states: “Daily cash for each completed 24 hours of inpatient hospitalisation; two times the benefit for in the insured person’s home city; three times for outside the home city; benefit maximum 10 days per hospitalisation and 20 days in the policy period; additional convalescence benefit ₹5,000 after hospitalisation exceeding 10 days.”.
- Source
- Hospicash — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termFamily floater covers self, spouse and two dependent children up to 25 years; medical tests are not required for clean proposals except plans C/
The manually reviewed product record states: “Family floater covers self, spouse and two dependent children up to 25 years; medical tests are not required for clean proposals except plans C/D above age 55.”.
- Source
- Hospicash — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹5,000 convalescence benefit after more than 10 hospitalisation days
- 2× home-city and 3× outside-city benefit
- 6-month to 65-year entry; lifelong renewal
- Individual or family floater
Eligibility
- Family floater covers self, spouse and two dependent children up to 25 years; medical tests are not required for clean proposals except plans C/
D above age 55.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal form, identity/medical details and claim documents requested by Generali Central
Related official documents
Hospital Cash — official BOI product pageofficial-product-page · current · accessed 30 Aug 2026
↗Hospicash policy wordingofficial-pdf · current · accessed 30 Aug 2026
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