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Hospital Cash Policies - Accident only: Insurance that helps protect in more ways than one
If your employee is hospitalised, it’s not just he or she who suffers. It’s especially true in the workplace. Every day lost due to an accident, can mean not only lost wages for the individual but also lower productivity for the organisation. HDFC ERGO General Insurance's Hospital Cash Policies provide a ready answer, protecting your people against financial loss from unforeseen hospitalisation costs. What’s more, it becomes a valuable added benefit that shows your concern for your people, while helping in recruiting and retaining the best.
	Types of Hospital Cash Policy
	Group Hospital Cash Policy
	You can decide the benefits you want for each class of employee.    Can be as a flat amount or a multiple of the salary.    Premiums are paid by the organisation.
	Voluntary Group Hospital Cash Policy
	The plan is specifically designed for your organisation.    No direct cost to you as employer.    Each employee decides the level of cover they want.    Involves minimal administration and paperwork.    Premiums are directly deducted from an employee’s salary.
	Typical Benefits of a Hospital Cash Policy
	Pays a benefit for each day the insured is an in-patient in a hospital, subject to the maximum stated in the policy.    Can also cover convalescence at home after a hospital stay.
	Optional Benefits
	Accidental Death: Covers the insured in case of loss of life after an accident. Permanent Disablement: Pays a benefit if the insured is permanently disabled in an accident. Ambulance Cost: Pays the costs of transporting the insured to the nearest hospital in a ground ambulance if the insured suffers a life threatening bodily injury. Broken Bones: Pays a benefit if bodily injury results in a broken bone. Comatose: Pays a benefit if bodily injury results in the insured going into a coma. Concussion Extension: Pays a benefit if bodily injury results in concussion. In-hospital Medical Expenses: Pays a reimbursement for medical expenses incurred if the insured requires hospitalisation as an in-patient due to an accident. Medical Insurance Premium Indemnity: Pays medical insurance premiums for the surviving spouse and dependent child, in case of accidental death of the insured. Mobility Extension: Pays 95% of costs of a wheel chair, vehicle and/or lifts or ramps needed by an insured who is permanently disabled in an accident. Reconstructive Surgery: Pays costs of reconstructive surgery after an accident. Burns: Pays a benefit for second or third degree burns which may be sustained while on a common carrier. Emergency Medical Expenses (Accident only): Reimburses the costs of medical expenses incurred by an insured person within 12 months of the date of loss resulting from an accident. Location and Transfer of Medication: Pays a benefit, due to the insured person requiring essential medicines and/or medical by-products which are not available locally, for the location and freighting cost of the medication.
	Additional Benefits Available
	Kindly contact us for more information. The premium payable on the policy would be dependent on the additional benefits purchased. Please note all benefits are subject to a maximum amount as stated in the policy. In addition, some benefits are subject to a deductible or a franchise, which will be taken into consideration when handling a claim. These will be clearly noted in any quotation released or policy issued.
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This content is descriptive only. Actual coverage is subject to the language of the policies as issued.