Kshema’s health insurance plans provide financial support when hospitalisation or accidents disrupt your routine, so that you can focus on recovery, not expenses.
Fixed daily cash payout for every day of hospitalisation
Financial support in case of disability, income loss, or death due to accident.
At Kshema, health insurance is simple and benefit-based. Our health insurance plans focus on two essential protections:
Kshema Hospi DinDhan Suraksha
Daily cash support during hospital stays regardless of actual treatment costs. It acts as a financial supplement to cover out-of-pocket expenses.
Kshema Personal Accident Policy
Financial protection against accidents- death, disability, or income loss due to an accident.
Instead of complex health insurance plans, we offer focused coverage designed to provide real financial support when you need it.
Kshema’s health insurance plans are designed to give you direct financial support, not complicated reimbursement plans. You choose a plan, stay protected, and receive fixed payouts during hospitalisation or in case of accidents — helping you manage your expenses with ease.
Healthcare costs are increasing every year. Medical tests, hospital stays and treatments cost much more than they did earlier. Health insurance helps protect your savings from rising medical expenses.
Busy schedules, stress, and food habits are leading to more cases of diabetes, blood pressure and heart problems. These conditions often need regular treatment and monitoring, which health insurance helps manage.
Poor air quality and rising pollution levels are causing breathing issues, allergies, and heart-related complications. Medical insurance ensures you can seek medical care without delaying treatment due to cost concerns.
Conditions like cancer and heart disease are no longer rare or age-specific. Treatment often starts immediately and continues for months. Health insurance helps you focus on care, not expenses.
Accidents, sudden illnesses and unexpected hospitalisations can happen anytime. Health insurance helps you stay financially prepared when life takes an unexpected turn.
Learn the Basics
Hospi DinDhan Suraksha (Retail)
Daily cash benefit during hospitalisation. Get up to ₹5k per day to cover incidental expenses.
വിശദാംശങ്ങൾ കാണുക
Hospi DinDhan Suraksha (Group)
Group hospitalisation benefit plan. Daily cash benefit for insured group members and families in case of hospitalisation.
വിശദാംശങ്ങൾ കാണുക
Individual Personal Accident (Retail)
Individual protection against accidental death or disability. Get financial security for you and your family.
വിശദാംശങ്ങൾ കാണുക
Individual Personal Accident (Group)
Comprehensive group coverage for organisations. Protect your employees with our personal accident insurance
വിശദാംശങ്ങൾ കാണുക
Learn the BasicsOur two health insurance plans are designed to work better together
| Feature / Benefit | Kshema HospiCash Insurance | Kshema Personal Accident Insurance |
|---|---|---|
| Purpose | Daily cash benefit for every 24 hours of hospitalisation | Lump sum financial support in case of accidental death or disability |
| Coverage Trigger | Hospitalisation of 24 hours or more (due to illness or accident) | Accident only (injury, disability, or death) |
| ICU Benefit | 2X higher daily cash payout during ICU stay | Not applicable |
| Accident-Related Hospitalisation | Optional 2x daily payout for accident-related admissions | Covers only if the accident leads to disability or death |
| Maternity Benefit | Optional (after 9 months of waiting period) | Not covered |
| Weekly Income Support | Not available | Weekly income support for temporary total disablement |
| Sum Insured Structure | Based on the daily cash amount × number of days covered | Based on the Sum Insured and the extent of damage due to an accident |
| Payout Frequency | Paid for each day of hospitalisation | Paid per accident event |
| Waiting Periods | Waiting period applies for specific conditions | No waiting periods |
| Ideal For | Individuals who need extra cash support during hospitalisation, especially for non-medical and daily expenses | Individuals who want financial protection against accidental risks |
| Best For | Managing everyday expenses and income gaps during hospital stays | Protecting your family financially in case of serious accidents |
| Do They Complement Each Other? | Yes | Yes |
For Complete Protection, Choose Both Kshema Hospi Dindhan Suraksha and Kshema Personal Accident Policy
See a list of hospitals affiliated to us
Once you purchase our car insurance policy, we email your policy documents and also send a hard copy by post.
Comprehensive coverage designed for your peace of mind
Get excellent customer assistance in your local language whenever you need help
Choose the sum insured and premium that works best for you
Quick and seamless claims process for a hassle-free experience
Keep these documents ready for a smooth policy purchase experience
REQUIRED
PAN CardAadhaar CardOther govt-approved ID
REQUIREDMarriage certificateBirth certificateFamily register
REQUIREDUtility billsBank statementRental agreement
CONDITIONALBlood test reportsPre-existing condition recordsHealth check-up reports
CONDITIONALPolicy copyClaim historyNo-claim bonus certificateNeed help with finding the best crop insurance solution ? Our representative will guide you through the plans and help you buy a policy.
