Policy snapshot
A personal accident policy that includes daily hospital cash benefit for accident-related hospitalisation.
What is Personal Accident with Hospital Cash?
This variant combines standard PA benefits with an additional per-day cash payout when hospitalised due to an accident.
What can it cover?
- Accident death and disability cover
- Daily hospital cash for accident-related admission as per limits
- Optional add-ons for income protection
Who should consider it?
- Individuals in higher physical risk occupations
- Self-employed professionals who lose income when hospitalised
Key features to understand
- Extra financial cushion for daily expenses
- Works alongside health insurance and PA
What deserves attention before you buy?
Coverage, exclusions, sub-limits, deductibles, waiting periods, warranties and underwriting can vary between insurers and policy versions. The policy wording and schedule remain the definitive contract. Novo can help you review the relevant terms for your requirement.
Read the wording, not just the brochure
The schedule and policy wording determine the actual contract.
Compare meaningful differences
Look at exclusions, limits, deductibles, conditions and claim requirements—not premium alone.
Think beyond purchase
Servicing and claims-related support can matter as much as placement.
Frequently asked questions
Under this plan, yes, it is generally linked to accident-related admission.