Compassionate Stay

Compassionate Stay (often called Family Accommodation, Stay of Companion, or part of Compassionate Visit) covers the hotel/lodging and sometimes daily expenses for an immediate family member who travels from India to stay with you abroad during your prolonged hospitalization. It's typically bundled with or a sub-benefit of Compassionate Visit (which covers the family member's round-trip travel costs). Offered by insurers like Reliance General, ICICI Lombard, Care Health, Tata AIG (as Compassionate Travel/Stay), and others in premium international plans; rare in domestic policies.

Coverage: Reimburses reasonable hotel/accommodation costs near the hospital, plus sometimes meals/incidentals for the family member's stay duration (often per day limit).

Typical Limits: USD 1000–10000 per stay, or 100-200 per day.

Key Conditions:

Your hospitalization ≥5–10 consecutive days (varies; e.g., >7 days in many plans).

Critical/life-threatening condition (doctor's recommendation often required).

You're traveling alone or need support.

Incident during policy period abroad.

Prior notification/approval via 24/7 helpline.

Claim Process:

1. Inform insurer during hospitalization.

2. Get doctor's letter recommending family stay.

3. Insurer coordinates or approves reimbursement.

4. Submit: Claim form, hospital docs, doctor's note, hotel/receipts for stay, policy/passport copies.

5. File within 30–60 days; settlement 10–30 days.

Common Exclusions:

Short stays (< minimum days).

Pre-existing conditions (unless covered).

Non-critical/outpatient cases.

Luxury accommodations or extra persons.

No approval/notification.

Advice: Complements Compassionate Visit for emotional/practical support. Ideal for solo travelers or long stays abroad. Check policy for combined travel + stay limits.

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