Group Hospi Cash Policy is the insurer's group fixed-benefit hospital daily cash product — published alongside the individual Hospi Cash Policy (NHCP) in May 2025. Where your group mediclaim pays the hospital bills, GNHCP pays each hospitalised employee a fixed daily cash amount directly — for food, transport, attendant charges, and the income loss that standard group health insurance doesn't touch. Designed for employer-employee groups, associations, and any organisation wanting to round out its employee health benefit.
the insurer Health· GNHCP· May 2025 Launch· the insurer Product Page· Industry Hospi-Cash Mechanics Cross-Referenced
Group Hospi Cash Policy (GNHCP) is the insurer's group/employer-benefit version of fixed-benefit hospital cash insurance — a daily cash payout made directly to a hospitalised employee or member, independent of actual medical bills, designed to be purchased by organisations for their workforce or membership alongside (not instead of) an existing indemnity health policy such as Group Mediclaim Policy.
GNHCP's source PDFs on the insurer's own site are robots.txt-blocked from automated retrieval, and — as a product launched only recently — no insurance aggregator, broker comparison site, or news source has yet published GNHCP's specific daily cash amount tiers, ICU multiplier, maximum claimable days, minimum group size, waiting periods, or premium rates. This page is built using the insurer's own confirmed product framing plus well-established, industry-standard group hospi-cash plan mechanics (cross-referenced across, the insurer, the insurer, and other group health specialists) to explain how this category of product generally works.
Treat every numeric figure below describing "typical" or "industry-standard" ranges as illustrative, not as GNHCP's confirmed terms. Before enrolling your group, please call Probitas at 022 4302 0000 to get GNHCP's exact daily cash tiers, ICU multiplier, day caps, minimum group size, and premium rates as filed by the insurer.
Pays a pre-agreed cash amount per day of hospitalisation directly to the employee — not based on actual hospital bills, and not paid to the hospital. No itemised medical bills required for the claim.
Confirm exact tier with ProbitasDesigned to sit alongside an organisation's existing indemnity group health policy (e.g. Group Mediclaim Policy), covering the gaps indemnity products leave — food, transport, attendant costs, and income loss during recovery.
Add-On LayerUnlike indemnity claims requiring detailed medical bills and itemised expense breakdowns, hospi-cash claims typically need only proof of hospitalisation (admission/discharge summary) — making the claims process faster and simpler for employees.
Simplified Claims (Typical)Unlike the individual Hospi Cash Policy (NHCP) bought by a single person, GNHCP is purchased by an organisation — employer or association — for its employees/members as a group benefit, administered under one master policy.
Sold to OrganisationsGNHCP is one of the insurer's newest group health products. As a recently launched product, exact pricing and benefit tiers are best confirmed directly rather than relied upon from third-party aggregator summaries, which haven't yet caught up.
New Product — Confirm SpecificsBecause hospi-cash is a fixed-benefit product (not indemnity), it can typically be claimed alongside an existing indemnity group mediclaim claim for the same hospitalisation, without contribution-clause reduction — a structural feature of the fixed-benefit category broadly. Confirm GNHCP's specific contribution clause wording with Probitas.
Category-Typical, Confirm for GNHCPEmployer-Sponsored Employee Benefit· Group Purchase Structure
As a group product, GNHCP is purchased by an organisation on behalf of its members — not by an individual for themselves. The buyer (employer/HR, or association leadership) and the beneficiary (the employee/member who gets hospitalised) are different parties.
the insurer's other group health products (such as Group Mediclaim Policy) specify a minimum group size of 7 members and an individual-basis policy structure where each insured person carries their own benefit entitlement within the group. GNHCP, as a group product from the same insurer, likely follows a broadly similar administrative structure, but its exact minimum group size, whether enrolment is compulsory for all employees/members or optional, and whether dependents (spouse, children) can be included alongside the employee are not independently confirmed for GNHCP specifically. Please confirm these structural details with Probitas at 022 4302 0000 before assuming parity with NGMP's terms.
Group Hospi-Cash Mechanics — Industry-Standard Pattern
Across the group hospi-cash product category broadly (cross-referenced from, the insurer, and the insurer), the mechanics work as follows. These describe how this category of product typically operates — confirm GNHCP's exact structure with Probitas.
The organisation chooses a fixed daily cash amount per employee/member when setting up the group policy — industry-wide, this typically ranges from ₹500 to ₹10,000 per day depending on budget and workforce seniority/income level.
Industry Range, Confirm GNHCP TiersOnce admitted for a minimum continuous period (commonly 24 hours across the category), the hospitalisation becomes eligible for a hospi-cash claim — separate from, and regardless of, any indemnity mediclaim claim for the same event.
24-Hr Minimum, Category-TypicalAcross the hospi-cash category, ICU admission commonly doubles (sometimes triples for treatment outside the home city) the standard daily rate, reflecting the higher cost and stress of critical care for the family.
Industry-Typical 2x ICUTypically only admission/discharge summary and basic hospitalisation proof are required — not itemised medical bills — since the payout amount is fixed and doesn't depend on actual expenses incurred.
Simplified, Category-TypicalUnlike cashless indemnity claims settled with the hospital, hospi-cash payouts go directly to the insured employee/member — usable for any purpose: food, transport, attendant costs, or simply income replacement.
Direct to BeneficiaryMost group hospi-cash products in the market cap the number of payable days per policy year — commonly somewhere between 30 and 90 days across the category — beyond which no further daily cash is paid even if hospitalisation continues.
Industry Range 30–90 DaysFixed-Benefit vs Indemnity — Why GNHCP Complements Rather Than Replaces NGMP
GNHCP and an indemnity product like Group Mediclaim Policy (NGMP) solve different problems and are designed to work together, not as alternatives to each other.
| Dimension | GNHCP (Fixed-Benefit Hospi-Cash) | NGMP (Indemnity Group Mediclaim) |
|---|---|---|
| What it pays for | A fixed cash amount per day of hospitalisation, regardless of actual bill size | Actual hospitalisation expenses incurred (room, treatment, medicines etc.), up to sum insured and sub-limits |
| Who receives the payout | Directly to the insured employee/member's bank account | Either cashless settlement to the hospital, or reimbursement to the insured after bills are verified |
| Documentation needed | Typically minimal — proof of hospitalisation (admission/discharge summary) | Itemised medical bills, discharge summary, investigation reports — detailed documentation |
| What it's meant to cover | Incidental/non-medical costs: food, transport, attendant, income loss during recovery | The medical treatment costs themselves: doctor fees, room rent, medicines, procedures |
| Can both be claimed for the same hospitalisation? | Typically yes — as a fixed-benefit product, hospi-cash generally sits outside the indemnity "contribution clause" that applies between two indemnity policies covering the same loss. Confirm GNHCP's specific policy wording with Probitas. | |
An indemnity group mediclaim policy (like NGMP) is built to cover the hospital bill itself — but even with full bill coverage, employees commonly face out-of-pocket costs that indemnity policies don't reimburse: food for accompanying family, transport to and from the hospital, a paid attendant/caregiver, and most significantly, loss of income if the employee or a family member has to take unpaid leave during the hospital stay and recovery. GNHCP is designed to fill precisely this gap — a relatively low-cost addition to an existing group health programme that puts cash directly into the employee's hands for exactly these needs, without requiring the employer to substantially raise the indemnity policy's sum insured.
Typical Group Hospi-Cash Benefit Framework — Industry Cross-Reference, Not GNHCP
The table below describes how group hospi-cash benefits are typically structured across the market — illustrative ranges, not GNHCP's confirmed figures.
| Benefit Component | Typical Industry Range |
|---|---|
| Standard daily cash (per 24 hrs of hospitalisation) | ₹500 – ₹10,000/day (employer-selected tier) |
| ICU daily cash | Typically 2x standard rate (occasionally 3x for treatment outside home city) |
| Minimum hospitalisation for eligibility | Typically 24 continuous hours (some plans: 48 hours) |
| Maximum payable days per policy year | Typically 30 – 90 days, varies by insurer/plan |
| Convalescence/recovery bonus | Common for stays exceeding ~10 consecutive days — a one-time additional lump sum in many market plans |
| Surgical benefit (where offered) | Some hospi-cash plans pay a lump-sum multiple of the daily rate for major/minor surgery, separate from the daily payout |
This table is built entirely from cross-referencing how comparable group hospi-cash products are structured across the Indian insurance market (, the insurer, the insurer, and others). GNHCP's actual daily cash tiers, ICU multiplier, minimum hospitalisation hours, maximum payable days, and whether a convalescence or surgical benefit is included at all are not publicly confirmed as of this page's research. Please call Probitas at 022 4302 0000 for GNHCP's exact, filed benefit structure before making enrolment decisions for your group.
Why Hospi-Cash Matters to Employees — Cross-Referenced from Multiple Group Health Sources
Because the payout is unrestricted cash rather than a bill settlement, employees use it flexibly for whatever the hospitalisation actually costs them beyond the medical bill itself.
Hospital food, special dietary needs, and meals for family members staying nearby during the hospitalisation — costs an indemnity mediclaim policy typically doesn't reimburse.
Travel to and from the hospital for the patient and visiting family members, especially significant when treatment happens away from the employee's home city.
Hiring a professional attendant or caregiver to support the patient during the hospital stay — a real out-of-pocket cost not covered by standard indemnity hospitalisation policies.
If the employee — or a family member who takes leave to be present — loses income during the hospitalisation and recovery period, the cash payout helps offset that loss, something no indemnity health policy is designed to do.
Better food, a more comfortable room upgrade beyond what the base policy's room-rent sub-limit allows, or simply reduced day-to-day financial stress during recovery.
Items indemnity policies commonly classify as "non-medical" or "inadmissible" — certain surgical accessories, registration charges, administrative fees — can be absorbed using the hospi-cash payout instead of out-of-pocket.
Typical Hospi-Cash Waiting Period Pattern — Not GNHCP-Specific
Across the group hospi-cash category broadly, the following waiting period pattern is common, drawn from comparable market products:
Please confirm GNHCP's exact waiting period schedule with Probitas — these figures describe the category pattern, not GNHCP's filed terms.
Typical Hospi-Cash Exclusion Pattern — Industry Cross-Reference
The exclusions below reflect common patterns across the hospi-cash product category in the Indian market generally — confirm GNHCP's specific exclusion list with Probitas.
Stays shorter than the policy's minimum continuous hospitalisation threshold (commonly 24 hours across the category) typically don't qualify for any daily cash payout.
Routine dental treatment not arising from an accident is commonly excluded across hospi-cash plans in the market, consistent with standard health insurance exclusion patterns.
Outpatient consultations and treatment not requiring hospitalisation are categorically outside the scope of a hospitalisation-triggered cash benefit.
Hospitalisation for treatment taken outside India's geographical limits is commonly excluded, a standard pattern across the insurer's domestic health products.
Hospitalisation arising from drug or alcohol abuse, or self-inflicted injury, is commonly excluded across the health insurance category broadly, including hospi-cash products.
Injury from non-professional participation in hazardous or adventure sports activities is commonly excluded or requires a separate optional cover across comparable plans.
This exclusion list reflects general patterns across the hospi-cash category, cross-referenced from comparable market products — not GNHCP's specific, filed exclusion clauses. Call Probitas at 022 4302 0000 for the complete, confirmed GNHCP exclusion list.
Typical Hospi-Cash Claims Process — Industry Pattern
Hospi-cash claims are generally simpler than indemnity claims since the payout amount is fixed and doesn't require bill-by-bill verification. The general pattern across the category:
The employee or a family member notifies HR (who typically coordinates with the insurer/TPA on group policies) about the hospitalisation, ideally as soon as practical after admission.
The employee must complete the policy's minimum continuous hospitalisation period (commonly 24 hours across the category) for the stay to become eligible for a hospi-cash claim.
Unlike indemnity claims, hospi-cash typically requires only the discharge summary, admission record, and basic identification — not itemised medical bills or pharmacy receipts.
The claim form, along with the discharge summary and any other documents specified by GNHCP's policy wording, is submitted to the insurer/TPA, typically through the employer's HR/insurance coordination point for group policies.
Once verified, the fixed cash benefit (days hospitalised × daily rate, with any ICU multiplier applied) is paid directly to the employee — not routed through the employer or the hospital.
This describes the general hospi-cash claims pattern across the market category. GNHCP's exact claim intimation timeline, required documents, and TPA coordination process should be confirmed directly with Probitas at 022 4302 0000 — especially important for HR teams setting up the claims process for their workforce.
Group Hospi Cash Policy — Frequently Asked Questions
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Tell us about your organisation and existing health benefits setup. Since GNHCP is a recently launched product, our specialist will confirm exact daily cash tiers, group size requirements, and premium directly with the insurer before quoting.
By submitting you agree to our Privacy Policy and Terms & Conditions. Group Hospi Cash Policy (GNHCP)· the insurer· launched May 2025. As a recently launched product, exact daily cash tiers, ICU multiplier, minimum group size, waiting periods, exclusions, and premium rates described on this page reflect general group hospi-cash market patterns cross-referenced from comparable products, not GNHCP's independently confirmed, filed terms. All figures must be confirmed directly with Probitas/the insurer before enrolment. Probitas Insurance Brokers Pvt. Ltd.· IRDAI Lic. No. 528.