Introducing

OlaMoney
Hospicash
Daily cash allowance for each
day you are hospitalised.
Cover your additional
hospital expenses!

Hospicash gives you

₨3000/- per day
of hospitalisation
at just ₨1399*/year

Coverage across Covers COVID Easy claims Accidental cover

all hospitals in India related hospitalisation process from Day 1

*T&Cs apply.
Index
Why Hospicash? 03
How it works 03
What does Hospicash cover? 05
What's not covered? 05
Plans & premiums 06
How to claim? 06
FAQs 07
Terms & conditions 11
Why
Hospicash?
Up to 40% of your hospitalisation bill is usually not covered
by regular health insurance. Hospicash helps cover these hidden
and miscellaneous costs like food and travel, thus helping you
get comprehensive protection.

Covers all hospitals in India No bills required for claims

Works with or without an

100 days covered in a year existing insurance plan

Covers accident claims

Sign up in just 2 minutes

with no medical test required

How it works
Here are two scenarios of how Hospicash covers your
miscellaneous expenses usually overlooked by other policies:

Scenario 1
Mr. Sahoo has an existing health insurance plan with ₨1 lakh cover

He purchased a Hospicash plan with ₨3000/- as his daily hospitalisation

cover, with a one-day deductible

When a recurring fever turned out to be dengue, he had to get admitted

to the hospital for 5 days

His total hospitalisation bill came up to ₨72,000/-

 However, his existing health insurance did not cover all the items in his
bill and only reimbursed ₨60,000/-

Hospicash paid him a total of ₨12,000/- (₨3,000 x 4 days), which

helped him cover the remaining portion of the bill

Mr. Sahoo’s Hospicash plan is still valid for another 95 days

of hospitalisation within the term year

Scenario 2
Ms. Agarwal has a corporate health insurance with ₨2 lakh cover

She purchased a Hospicash plan with ₨3000/- as her daily

hospitalisation cover, with a one-day deductible of ₨3000/-

When she was diagnosed with appendicitis, she was hospitalised

and took leave from work for 10 days

Her total hospitalisation bill came up to ₨1 lakh, which was reimbursed

by her existing health insurance

However, her father had to travel from another city to take care of her

Hospicash paid her a total of ₨27,000/- (₨3,000 x 9 days), which

helped cover her father’s travel and living expenses

Ms. Agarwal’s Hospicash plan is still valid for another 90 days

of hospitalisation within the term year

Note: For every claim, Hospicash benefit activates on the second day
of hospitalisation and provides a daily cash benefit for each subse-
quent day of hospitalisation
What does
Hospicash
cover?
Hospitalisation due to common illness, surgery
or accidents is covered up to 100 days

Accident related claims are covered from day 1

Covers treatment costs for COVID-19 hospitalisation

What’s not
covered?
Any hospitalisation less than 48 hours

Non-essential procedures such as cosmetic surgery,

hospitalisation specifically done for any preventive
care for example vaccination and maternity or
pregnancy-related hospitalisation

Any diagnosis or treatment of an illness or

injury which does not require hospitalisation

*Tap here for a complete list of other exclusions.

Plans &
Premiums
Individual Plans
With an individual plan, you can cover yourself, your spouse, your child or a parent.

Premium Table:
Daily Amount Premium With GST

₨500 ₨299
₨1000 ₨499
₨3000 ₨1399

How to claim?
 Email us at [email protected] to intimate us about the claim.
Our dedicated advisors will take you through the claim procedure and help
you complete the claims process
 Intimate about your hospitalisation via the RHICL website
(https://www.careinsurance.com/rhicl/claim/login) within 15 days
of discharge from hospital
 Post intimation, share scanned copies of the following:
 Claim form

 Copy of discharge summary

 ID proof
 Cancelled cheque
 Relationship proof with the primary insured member
(in case of claimant not being the proposer)
 On verification of shared documents, RHICL will credit the claim
amount to your bank account

For more information,

email us at [email protected]
FAQs
What is OlaMoney Hospicash insurance policy?
OlaMoney Hospicash is an insurance policy that pays you a daily cash amount
for every day that you are hospitalised.

For example, if you have been hospitalised for 10 days (24 hrs X 10) and have
selected the ₨3000 per day cover, we will pay you 9 days X 3000 per day, i.e.
₨27,000 on discharge. You have this cover for 100 days of hospitalisation in a year,
making it a ₨3lakh cover.

You get this cover at all hospitals across India, on a reimbursement basis.
Hospicash can be used with or without any existing health insurance. You can use
Hospicash in any way you want. It helps pay for other miscellaneous costs such as
food, travel, consumables or even cover any loss of income.

How does Hospicash Benefit work?

During Purchase:
 You can select a daily cash benefit of ₨500, ₨1,000 or ₨3,000
 The cover is valid for 100 hospitalisation days in a year
 You can claim benefits for multiple hospitalisations

During Claims:
 You can claim the daily cash benefit for every day (24 hours) of hospitalisation,
subtracting the first day of hospitalisation. For each claim, the insured member
should be hospitalised for a minimum of 48 hours for the policy to be activated

 You will be paid the claim as a reimbursement on submitting the ‘Discharge

Summary’ from the hospital. Care Health Insurance may ask for additional
documents in special cases
Please see the example below:
 You can select a daily cash benefit of ₨500, ₨1,000 or ₨3,000
 The cover is valid for 100 hospitalisation days in a year
 You can claim benefits for multiple hospitalisations

hospitalisation Days Plan Selected Payout

Number of claimable days:

10 days (24 hours x 10) ₨3,000/day 10 - 1 (1-day deductible) = 9

Claim Payout:
9 x 3,000 = ₨27,000

Who is eligible for this plan?

1. Any Ola customer between the ages of 18 to 65 can buy this plan for themselves
or their immediate family (self, spouse, kids, parents, siblings).

2. You cannot buy this policy if you have any of the following pre-existing
conditions:
 Cancer or any tumor
 Chronic Kidney Disease, Liver Disease
 Heart and Lung related issues
 Any Brain, Nervous System or Neuromuscular disorders
 Disorders of Immunity (Like AIDS-HIV/Rheumatoid Arthritis/Ulcerative colitis)
 Disorders of Pituitary, Adrenal, Parathyroid glands or growth retardation
 Diabetes for more than 10 years OR Diabetes on Insulin treatment OR
Diabetes with eye disease, any non healing ulcer or wounds on extremities
 Hypertension/High Blood Pressure for more than 15 years
 Suffers from ALL 3 conditions: Diabetes with Hypertension and Hyperlipidemia
 Standalone Obesity (BMI >37) OR Smokes 8 or more units/day; consumes
>1 bottle of hard liquor (750 ml)/10 beer units (6.5L) in a week, Chewing
tobacco/Gutka > 6 packets per day

Tap here for a full list of exclusions and waiting periods.

What is covered in this plan?
 Any hospitalisation due to common illness, surgery or accidents is covered
except for items listed under permanent exclusions
 Accident related claims are covered from day 1
 Covers treatment costs for COVID-19
Tap here for a full list of exclusions and waiting periods.

What is not covered in this plan?

 Any hospitalisation less than 48 hours
 OPD/Day-care or consultation
 Maternity or pregnancy related hospitalisation
 Non-essential procedures such as cosmetic surgery, hospitalisation specifically
done for any preventive care for example vaccination
 Any diagnosis or treatment of an illness or injury which does not require
hospitalisation
 Self-inflicted injuries, injuries born out of criminal acts of suicides

Tap here for a full list of exclusions and waiting periods.

If my actual bill for 3 days of hospitalisation is

only ₨2,000, would I still get the full amount?
Absolutely! We don’t ask for your medical bills at the time of the claim unless
we notice some discrepancy in your declaration and the discharge summary.
You can claim the full amount irrespective of your actual expenses.
How do I raise a claim?
 Email us at [email protected] to let us know about your claim.
At the same time, you can go to https://www.careinsurance.com/rhicl/claim/login
to raise your claim
 You should mention your Policy ID (mailed to your registered email ID while
buying the policy) & also attach a scan of your hospital discharge summary
 We would recommend raising a claim within 48 hours of discharge

Do I need to have an existing health policy?

Absolutely not. While you can claim the benefits of this policy on top of your
existing personal or corporate health plan, you don’t need to have an existing
policy to avail these benefits.

What are the waiting periods in this policy?

First 30 days for non-accidental hospitalisation, 12 months for named ailments and
pre-existing diseases (refer to the T&Cs for a detailed list) for the hospital daily cash.

Who is the insurance provider?

The insurance provider is Care Health Insurance formerly known as Religare
Insurance.

How do I change my policy details?

Please mail us at [email protected] to change any details
of your policy.
Can I cancel my policy?
No worries, we’ve got you covered. You will get a 100% refund within the first 15
days of buying the policy, called the ‘look-up’ period. After that the refund % will
depend on the number of days passed from buying the policy.

Cancellation period up to Refund

(x months) from Policy

Within 15 days 100%

Within 16th Day to 30th Day 75%

1-3 months 50%

3-6 months 25%

Beyond 6 months 0%

To cancel your policy, mail us at [email protected]

Terms & Conditions

Customised exclusively for registered customers of ANI Technologies Pvt. Ltd.

About CARE Health Insurance Company Limited

CARE Health Insurance Company Limited (formally known as Religare Health
Insurance Company Limited) is focused on the delivery of health insurance
services. Our promoter's expertise in the spectrum of financial services,
healthcare delivery and preventive health solutions, coupled with a robust
distribution model, offers us a unique edge to deliver and excel in a business
environment that hinges on serviceability and scale. Powered by the
best-in-class product design and a customer centric approach, CARE Health
Insurance Company Limited is committed to delivering on its innate values
of being a responsible, trustworthy and innovative health insurer. CARE
Health Insurance Company Limited is promoted by these strong entities -
Religare Enterprise & Union Bank of India.
A. Policy Conditions & Benefits
No worries, we’ve got you covered. You will get a 100% refund within the first 15
days of buying the policy, called the ‘look-up’ period. After that the refund % will
depend on the number of days passed from buying the policy.

Particulars - Coverage Details Description

Cover Type Individual

As Individual: Self, Spouse, 2 Dependent Children,

Relationships Covered 2 Dependent Parents

Adult: 18 years 5 years with

Entry Age – Min proposer of 18 years or above (as individual)

Adult: 65 years
Entry Age – Max
Child: 24 years
Coverage Details

Exit Age Adult: Lifelong* Child: 25 years

No. Good health declaration bases and for

Pre-policy Medical Check-up above 60 years tele-underwriting required

Registered Customers of
Membership
ANI TECHNOLOGIES PRIVATE LIMITED

Policy Tenure 1 year

Claims Payout Reimbursement

Claims Servicing In–house

₨500/1K/3K per day hospitalisation

Daily Cash
Allowance

Cover Amount for max 100 days in a year

with 1 day deductible

Initial Waiting Period 30 days

Waiting Period

Named Ailment (as defined

in Group Care 360 Product) 12 months

Pre-existing Diseases 12 months

B. Waiting Periods & Exclusions
30-day waiting period
We are not liable for medical expenses towards any hospitalisation
that began within 30 days of the commencement of the policy,
except for those hospitalisation incurred due to an accident.

Specific waiting period

We are not liable to pay daily limit of sum insured for hospitalisation
for the treatment of the following illnesses/surgeries for the first 12
months from the policy commencement:

 Surgical treatments for benign ear, nose and throat (ENT) disorders and
surgeries (example: Nasal Septum Deviation, Sinusitis and related disorders)
 Surgery of Genito-urinary system unless necessitated by malignancy
(example: Benign Prostatic Hypertrophy, Myomectomy for fibroids,
Hysterectomy for menorrhagia or Fibromyoma or prolapse of uterus unless
necessitated by malignancy)
 Stones (Kidney Stone/Ureteric Stone/Gall Bladder Stone)
 Fissure/Fistula in anus, Hemorrhoids/Piles, Pilonidal Sinus, Gastric and
Duodenal Ulcers
 All types of Hernia & Hydrocele
 Internal tumors, skin tumors, cysts, nodules, polyps including breast lumps
(each of any kind) unless malignant

The waiting periods as mentioned above shall be tracked separately

for each Insured Member and claims shall be assessed accordingly.

Pre-existing diseases
We are not liable to pay daily limit of sum insured during hospitalisation for a
diagnosis / treatment of any pre-existing diseases till the time as defined in the
Policy but not exceeding 12 months of continuous coverage, since the cover start
date under the first policy with us.

Furthermore, a customer cannot buy the policy if they are suffering and/or
undergoing treatment for any of the conditions before policy purchase
 Cancer or any tumor
 Kidney related issues except non recurrent urinary tract infections
 Heart and Lung related issues (any disorders of Heart or Lungs) except
respiratory tract infections requiring medications not exceeding 7 days or
non-tuberculosis of the lungs treated > 1 year back
 Liver Disease
 Brain and Nervous System disorders including Neuromuscular disorders like
Motor Neurone Diseases, Muscular dystrophies (Any disorder causing muscle/
nerve cell wasting/Loss of movement/Abnormal movement)
 Disorders of Immunity or Autoimmune Disorders: Systemic Lupus Erythematous,
Rheumatoid Arthritis, Ankylosing Spondylitis, Inflammatory Bowel Disease
 Disorders of pituitary, Adrenal and Parathyroid glands or any disorder causing
growth retardation
 Diabetes for more than 10 years OR Diabetes on Insulin treatment OR Diabetes
with eye disease, any unhealing ulcer or wounds on extremities
 Hypertension/High Blood Pressure for more than 15 years
 Suffers from all 3 conditions: Diabetes with Hypertension and Hyperlipidemia
 Standalone Obesity (BMI >37) OR Smokes 8 or more units/day; consumes >1 bottle
of hard liquor (750 ml)/10 beer units (6.5L) in a week, Chewing tobacco/Gutka > 6
packets per day

C. Permanent Exclusions
Any Claim in respect of any Insured Member for, arising out of or directly or
indirectly due to any of the following shall not be admissible, unless expressly
stated to the contrary elsewhere in the Policy terms and conditions:
 Any condition directly or indirectly caused by or associated with any sexually
transmitted disease, including Genital Warts, Syphilis, Gonorrhea, Genital
Herpes, Chlamydia, Pubic Lice and Trichomoniasis, Acquired Immuno
Deficiency Syndrome (AIDS) whether or not arising out of HIV, Human T-Cell
Lymphotropic Virus Type III (HTLV–III or IITLB-III) or Lymphadinopathy
Associated Virus (LAV) or the Mutants Derivative or Variations Deficiency
Syndrome or any Syndrome or condition of a similar kind

 Any treatment arising from or traceable to pregnancy (including voluntary

termination), miscarriage (unless due to an accident), childbirth, maternity
(including caesarian section), abortion or complications of any of these

 Any treatment arising from or traceable to any fertility or sterilisation, birth

control procedures, contraceptive supplies or services including complications
arising due to supplying services or Assisted Reproductive Technology
 Treatment taken from anyone who is not a Medical Practitioner or from a
Medical Practitioner who is practicing outside the discipline for which he
is licensed or any kind of self-medication

 Unproven/experimental treatment or investigational treatment

 Any diagnosis or treatment of an illness or injury which does not require
hospitalisation
 Any hospitalisation done specifically for the purpose of prosthesis, cor-
rective devices, external durable medical equipment of any kind, like
wheelchairs, walkers, belts, collars, caps, splints, braces, stockings of any
kind, diabetic footwear, glucometer/thermometer, crutches, ambulatory
devices, instruments used in treatment of sleep apnea syndrome
(C.P.A.P) or continuous ambulatory peritoneal dialysis (C.A.P.D.) and
oxygen concentrator for asthmatic condition or cochlear implants
 Any treatment related to sleep disorder or sleep apnea syndrome,
general debility convalescence, cure, rest cure, health hydros, nature
cure clinics, sanatorium treatment, rehabilitation measures, private duty
nursing, respite care, long-term nursing care, custodial care or any
treatment in an establishment that is not a hospital

 Treatment of all external & internal Congenital Anomaly or illness or

defects or anomalies or treatments relating to birth defects

 Treatment of mental illness, stress or psychological disorders

 Aesthetic treatment, cosmetic surgery and plastic surgery or related
treatment of any description, including any complication arising from
these treatments, other than as may be necessitated due to an injury,
cancer or burns
 Any treatment or surgery for change of sex or gender reassignments
including any complication arising from these treatments
 Circumcision unless necessary for treatment of an illness or as may be
necessitated due to an accident

 Any hospitalisation specifically done for any preventive care, vaccination,

including inoculation and immunisations (except in case of post-bite
treatment), vitamins and tonics
 Artificial life maintenance, including life support machine use, where
such treatment will not result in recovery or restoration of the previous
state of health
 Non-allopathic treatment
 Any hospitalisation incurred outside India
 Domiciliary hospitalisation or treatment

 War (whether declared or not) and war like occurrence or invasion,

acts of foreign enemies, hostilities, civil war, rebellion, revolutions,
insurrections, mutiny, military or usurped power, seizure, capture,
arrest, restraints and detainment of all kinds

 Any hospitalisation (because of illness or injury) directly or indirectly

resulting or arising from or occurring during commission of any breach
of any law by the Insured Member with any criminal intent
 Any hospitalisation because of act of self-destruction or self-inflicted
injury, attempted suicide or suicide while sane or insane or illness or
injury attributable to consumption, use, misuse or abuse of tobacco,
intoxicating drugs and alcohol

 Nuclear, chemical or biological attack or weapons, contributed to,

caused by, resulting from or from any other cause or event contributing
concurrently or in any other sequence to the loss, claim or expense

For the purpose of this exclusion:

 Nuclear attack or weapons means the use of any nuclear weapon or device
or waste or combustion of nuclear fuel or the emission, discharge, dispersal,
release or escape of fissile/fusion material emitting a level of radioactivity
capable of causing any illness, incapacitating disablement or death
 Chemical attack or weapons means the emission, discharge, dispersal,
release or escape of any solid, liquid or gaseous chemical compound which,
when suitably distributed, is capable of causing any illness, incapacitating
disablement or death
 Biological attack or weapons means the emission, discharge, dispersal,
release or escape of any pathogenic (disease producing) micro-organisms
and/or biologically produced toxins (including genetically modified
organisms and chemically synthesized toxins) which are capable of causing
any illness, incapacitating disablement or death

In addition to the foregoing, any loss, claim or expense of whatsoever nature

directly or indirectly arising out of, contributed to, caused by, resulting from,
or in connection with any action taken in controlling, preventing, suppressing,
minimizing or in any way relating to the above shall also be excluded.
 Any hospitalisation because of impairment of an Insured Member’s
intellectual faculties by abuse of stimulants or depressants
 Any hospitalisation pertaining to alopecia wigs and/or toupee and all hair
or hair fall treatment and products
 Any medical or physical condition or treatment or service, which is
specifically excluded under the Policy Certificate

 Any treatment taken in a clinic, rest home, convalescent home for the
addicted, detoxification centre, sanatorium, home for the aged, mentally
disturbed, remodeling clinic or similar institutions, unless specifically
provided for

 All day-care treatments

D. Claims Management
Claims Process
 Upon hospitalisation, the customer is advised to intimate Care Health Insurance
at the earliest and within 15 days of getting discharged from the hospital

Intimation can be done through RHICL website. Post intimation,

RHICL can process the claim on the basis of scan copies of the
following documents:
 Claim form
 Copy of discharge summary
 ID proof
 Cancelled cheque
 Relationship proof with the primary insured member
(in case of claimant not being proposer)

 RHICL may ask for additional documentation on a case to case basis

for purpose of adjudication of claim
 Once the documents are received RHICL will intimate the decision to the
customer and credit the claim amount to the customer’s bank account
 No claims shall be payable for admission in a hospital blacklisted
by Care Health Insurance
E. Renewal Terms
 This Policy will automatically terminate on the Policy Period End Date.
All renewal applications and requisite premium shall be given to Us on or
before the Policy Period End Date and in any event before the expiry of the
Grace Period. The Policyholder shall give Us written notice along with the
renewal application of any material changes to the risk insured under the
Policy. If no such written notice is received by Us along with the renewal
application, it shall be deemed that there is no material change to the risk

 Grace Period means a period of 30 days immediately following the Policy

Period End Date during which a payment can be made to renew this
Policy without loss of continuity benefits such as Waiting Periods and
coverage of Pre-existing Diseases. Coverage is not available for the
period for which premium is not received by the Company and the
Company shall not be liable for any Claims incurred during such period.
The provisions of Section 64VB of the Insurance Act shall be applicable

 We will ordinarily not refuse to renew the Policy except on grounds

of fraud, moral hazard or misrepresentation
 The general underwriting conditions, where the underwriters review the
Proposal Form or any other parameter described above, shall prevail and
need be adhered to at the renewal as well
 Renewal premium is subject to change with prior approval from IRDA
 Any Policy which is due for renewal, and where You have requested for
one or more of the following alterations in the expiring Policy, may be
subjected to a review by Us:
 Increase in Sum Insured
 Change in Terms & Conditions

 The Policyholder has an option to seek a change of TPA at time of renewal

of policy. The Policyholder shall give us written notice for such change 30
days before the renewal

 This product may be withdrawn by us after due approval from the IRDA. In
case this product is withdrawn by us, this Policy can be renewed under the
then prevailing Health Insurance Product or its nearest substitute approved
by IRDA. We shall duly intimate you regarding withdrawal of this product and
the options available to you at the time of renewal of this policy
F. Cancellation/Termination
You may also give 15 days of notice in writing to us for the cancellation of this
Policy, in which case, we shall, from the date of receipt of the notice, cancel the
Policy and refund the premium for the unexpired period of this Policy at the
short period scales as mentioned below, provided that no refund shall be made
for those Insured Member who has incurred Claim under the Policy.

Cancellation period up
to (x months) from Refund
Policy Period Start Date

Within 15 days 100%

Within 16th Day

75%
to 30th Day

1-3 months 50%

3-6 months 25%

Beyond 6 months 0%

Refund % to be applied on total premium received as on the date of receipt

of the cancellation request.

G. Grievance Redressal
The Company has developed proper procedures and effective mechanism to
address complaints, if any of the customers. The company is committed to
comply with the Regulations, standards which have been set forth in the
Regulations, Circulars issued from time to time in this regard.

If you or the Insured Member or Dependent have a grievance that You or

the Insured Member or Dependent wish Us to redress, You or the Insured
Member may contact Us with the details of their grievance through:
 Website www.careinsurance.com

E-mail [email protected]

Customer Care 1800-102-4488/1860-500-4488

Any of Our branch offices or our correspondence

address, during normal business days

If the Insured Member is not satisfied with our redressal of their grievance
Post /Courier
through one of the above methods, You or the Insured Member may contact Our
Head of Customer Service at:
The Grievance Cell, Unit No. 604 - 607, 6th Floor, Tower C,
Unitech Cyber Park, Sector-39, Gurugram-122001 (Haryana)

If the Insured Member is not satisfied with our redressal of their grievance
through one of the above methods, You or the Insured Member may approach
the nearest Insurance Ombudsman for resolution of their grievance.

Disclaimer
This is only a summary of product features. The actual benefits available are as
described in the policy and will be subject to the policy Terms and Conditions.
Please seek the advice of your insurance advisor if you require any further
information or clarification or contact us.

Statutory Warning
Prohibition of Rebates (under section 41 of Insurance Act, 1938): No person shall allow or offer to allow, either
directly or indirectly as an inducement to any person to take out or renew or continue an insurance in respect
of any kind of risk relating to lives or property, in India any rebate of the whole or part of the commission
payable or any rebate of the premium shown on the policy, nor shall any person taking out or renewing or
continuing a Policy accept any rebate, except such rebate as may be allowed in accordance with the published
prospectus or tables of the insurers.

Any person making default in complying with the provision of this section shall be punished with fine,
which may extent to five hundred rupees.

Insurance is a subject matter of solicitation.

IRDA Registration number: 148
Email us at [email protected]