Question: My hospicash policy pays per day 2000/- for ICU, Rs. 1000/- for room rent with one day excess for maximum 30 days in policy year. I was admitted for in ICU for 2 days and then shifted in room for 3 days.How much claim I will get, can I claim excess on room rent & not on ICU
Answer: no, 1 day excess will be applied on first day of admission. you will receive Rs. 5000/-((2-1day)*2000(ICU) + 3days*1000/-(room rent))

Supporting evidence:
title: irdai.gov.in/309f3a7e-5456-51c0-ec00-647d62bba6d0
quote: Policy Deductible - 1 day In case the Policy covers Hospital Daily Cash Benefit, ICU Daily Cash Benefit and Accident Daily Cash Benefit, the Deductible/ Franchise will be applied only once on the entire duration of the stay in the hospital
context: In case the Policy covers Hospital Daily Cash Benefit, ICU Daily Cash Benefit and Accident Daily Cash Benefit, the Deductible/ Franchise will be applied only once on the entire duration of the stay in the hospital.

Scenario 1:

Maximum number of days: 30. The Insured Person stays in the Hospital for 10 days and Policy Deductible is 3 days. Out of the 10 days, first 4 days is Normal Room and remaining 6 days is ICU.
The Deductible will be applied for the first 3 days. The Insured will get the Hospital Daily Cash Benefit for the 4th day and for the remaining 6 days, he will get the ICU Daily Cash Benefit.

Scenario 2:

Maximum number of days: 30. The Insured Person stays in the Hospital for 10 days and Policy Deductible is 3 days. Out of the 10 days, first 4 days is ICU and remaining 6 days is Normal Room.
The Deductible will be applied for the first 3 days. The Insured will get the ICU Daily Cash Benefit for the 4th day and for the remaining 6 days, he will get the Hospital Daily Cash Benefit.

Scenario 3:

Maximum number of days: 30. The Insured Person stays in the Hospital for 10 days and Policy Franchise is 3 days. Out of the 10 days, first 4 days is ICU and remaining 6 days is Normal Room.
As the Franchise limit of first 3 days is crossed, the Insured will get the ICU Daily Cash Benefit for 4 days and for the remaining 6 days, he will get the Hospital Daily Cash Benefit.

3.2 Maximum Payout

In case the Insured Person's Hospitalisation covers Hospital Daily Cash Benefit or ICU Daily Cash Benefit or Accident Daily Cash Benefit or combination of these, the highest of the Daily Cash Amount applicable will be paid in respect of each and every completed day depending on the type of Hospitalisation (Illness/ ICU/ Accident). There will be no cumulative payout under these 3 Benefits and only the highest of the payout applicable will be paid.

Scenario 1:

Maximum number of days: 30 Hospital Daily Cash Benefit - Rs. 1000 per day ICU Daily Cash Benefit - Rs. 2000 per day
Policy Deductible - 1 day
The Insured Person gets hospitalised and stays in the Hospital for 1 0 days. Out of the 10 days, first 4 days is Normal Room and remaining 6 days is ICU.
In this case, the payout will be as follows:
Hospital Daily Cash Benefit (after one day Deductible), Total number of days = 3 days. Hospital Daily Cash Benefit (after one day Deductible), Total Payout = 3 * 1000 per day = Rs. 3000. ICU Daily Cash Benefit (*), Total number of days = 6 days. ICU Daily Cash Benefit (*),…