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Affordable Hospicash for Medical Emergencies

Affordable Health Insurance

Helper4U has launched an affordable Hospicah or mini Health insurance policy. You can buy it for your staff when you hire a domestic worker, driver, office helper, caregiver etc. It will prevent them from taking loans in case of a medical emergency.

This is a Hospicash policy launched by Helper4U in association with Clinikk. You can check this video to understand what is Hospicash.

Key Facts:

  1. Mediclaim does not fully cover all the medical expenses – It only reimburses your hospital bill
  2. There are certain out of pocket expenses during hospitalisation that have to be taken care of
  3. A daily hospital cash policy (Hospicash), a fixed pay out plan, helps cover such overhead costs

Why Hospicash:

  1. Total Sum Insured of INR 30,000/- . A daily benefit of Rs.1000 per day is provided after post hospitalisation of 48 hours
  2. Can be used to cover your expenditure against transportation, medicines, food and others
  3. It protects your savings/  any income loss during hospitalization
  4. Money is transferred direct to account
  5. All hospitals are covered
  6. Accident coverage starts from Day 1
  7. No medical test are required to avail the policy
  8. You can use this independent of your Mediclaim policy
  9. Minimum documentation is required: bank details, discharge summary, final bill with  cash-paid  receipt, ID proof of patient
  10. You can raise claim in one simple step of calling your Clinikk Health Assistant at 7813 811  811

Sum Insured30000/- per year
Policy OptionsSelf + Spouse + 2 Children
Age LimitAdult – 18 to 60 Years Child – 3 Months to 23 Years
Hospitalization48 Hours
Pre-Existing Disease12 Month Waiting Period
Doctor on CallUnlimited 24/7 Doctor Consultation on Call for the entire family
Claims AssistanceSpecialised Team of Doctors & Health Assistants who help in filing the claims with the Insurers and getting it processed
Affordable Price699/- per year

What is Covered :

Overnight Hospitalisation due to accidents, communicable diseases like dengue, malaria, COVID or other ailments are covered under Hospicash policy.

What is not Covered :

Maternity, OPD, Day Care or Consultation, Non-essential procedure such as cosmetic surgery, hospitalisation for any preventive care like Vaccination is not covered.

Check this link for detailed policy document.

Brief Highlights of the policy

  • Waiting Period – 7 days for all non-accidental hospitalisation
  • Maternity – Not covered
  • Waiting period for COVID: 7 days
  • Waiting period for named ailments -12 Months
  • PED waiting – 12 Months
  • Min hours required to be hospitalised for claiming Hospicash benefit – 48 hours
  • Adult – Self and Spouse only. Age criteria: between 18 to 60 years
  • Child – Upto 2 child can be covered. Age criteria: 90 days to 23 years
  • Hospitals covered: Any Govt licensed Allopathic hospital
  • Mode of payment – Reimbursement
  • Will any proof be required for claiming – Yes documents will be required as per insurer requirement
  • Limit – INR 1000/day after 48 hours waiting period
  • Sum Insured – INR 30,000
  • For claim assistance what is the number: 7813811811

You can buy the policy for your Helpers and staff in one simple step here.

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