BSLI Hospital Plus Plan

What is the Plan all About?

The BSLI Hospital Plus Plan offers fixed cash benefit in the event of hospitalization which will enable the insured to recover from the illness or disease in a worry free way.This plan acts as an supplement to your main health insurance policy and aid you with additional funds to combat those additional expenses during hospitalization.

BSLI Hospital Plus Plan has 4 Plan Variants:

Option A with Sum Assured 75,000 per life
Option B with Sum Assured 2,25,000 per life
Option C with Sum Assured 3,75,000 per life
Option D with Sum Assured 5,62,500 per life

Key Features

Simple and Quick process to buy the plan
Hassle free Claim Procedure
Fixed Cash on Hospitalization
Choose from 4 plan variants as per the requirement
Family Cover option available
Additional Benefit of Accidental Hospitalization

Policy Benefits

On the hospitalization of a Life Insured for a period of more than 48 hours, The plan will pay Daily Hospitalization Cash Benefit (DHCB) per life for each Day in Hospital as per the limits opted under plan options.
ICU Benefit is payable where an additional 100% of the chosen Daily Hospitalization Cash Benefit (DHCB) per life is paid for each day of stay in the intensive care unit (ICU), this benefit is payable, provided the life assured qualifies for the Daily Hospitalization Cash Benefit (DHCB).
Accidental Hospitalization Benefit is payable in addition to DHCB, provided the insured qualifies for the Daily Hospitalization Cash Benefit (DHCB).
Recuperative Benefit as a lump sum amount basis the option opted and is payable on the hospitalization of a Life Insured for consecutive 10 days or more and where the Daily Hospitalization Cash Benefit as well for the same hospitalization.

Value Added Benefits

Quick policy issuance online
Choice of 4 plan options
The plan can be opted for family as well
Tax Benefits under section 80 D of IT Act, 1961 are available.

Sub Limits

Daily hospitalization cash benefit (DHCB) is limited to Rs 1,000/day for Option A,Rs 3,000/day for Option B,Rs 5,000/day for Option C and Rs 7,500/day for Option D.
ICU benefit is limited to Rs 1,000/day for Option A,Rs 3,000/day for Option B,Rs 5,000/day for Option C and Rs 7,500/day for Option D.
Accidental hospitalization benefit is capped to Rs 1,000/day for Option A,Rs 3,000/day for Option B,Rs 5,000/day for Option C and Rs 7,500/day for Option D.
Recuperative benfit is capped at Rs 1,000 for option A, Rs 3,000 for Option B, Rs5,000 for Option C and Rs 7,500 for Option D.

Waiting Period Clause

Initial Waiting Period: Initial 90 days of the policy start date,waiting period for newly incurred diseases except those arising out of accidents.
Pre existing Disease Waiting Period: This plan has a waiting period of 4 years to cover pre existing diseases.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Child: 3 Months, Adult: 18 Years	Child: 17 Years, Adult 65 Years
Sum Assured	75,000	5,62,500 Lacs
Cover Type	Individual/Family Floater	-
Policy Tenure	5 Years	5 Years
Grace Period	30 Days	-
Free Look Period	15 Days/30 Days( In Case Of Distance Marketing)	-
Riders	Accidental Hospitalization	-

Exclusions

Hospitalization which is not medically necessary
Elective surgery or treatment
Treatment for weight reduction or weight improvement
Any dental care or surgery of cosmetic nature
Treatment for infertility or impotency, sex change, abortion, sterilization
Hospitalization for treatment arising from pregnancy and it’s complications, etc.