Future Generali Hospital Cash insurance plan

Future Generali Hospital Cash Health Insurance benefits

• Future Generali Hospital Cash Insurance Feature details

  Some of the key features of this plan include:

  • The insured can claim for each day of hospitalization as per your plan oped for (A/B/C/D).
  • The per day benefit will be Twice (almost always) when hospitalised in an ICU in his/her home city i.e. within the city of residence.
  • The policy can be on individual Sum Insured basis or on family floater basis, covering self, spouse, and two dependent children (up to 25 years).
  • No medical tests required for clean proposal except for plan C and D where insured is above 55 years of age.
  • ICU benefit is available for a maximum period of 10 days for each hospitalization and a maximum of 20 days during the policy period.
  • There will be no loading on premium for adverse claims experience in our individual Hospicash policy at the time of renewal.
  • Continuity would be offered from similar Hospital cash policy with the same per day benefit amount from Group Hospital cash policy to Individual Hospicash policy if the individualy is exiting the company.
  • The insured can opt for this policy even if they do not have any mediclaim policy.
  • Average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted).
  • From the expiry date of the policy, you get 30 days grace period for renewal.
  • Free Look Period of 15 days.

• Eligibility Criteria of Future Generali Hospital Cash Insurance

  • Entry Age (Children) – 6 months to 25 years – can be covered unless parents are also insured.
  • Entry Age (Adults) – 18 years to 65 years.
  • Income for the Primary Insured
    • Plan A & B – No criteria
    • Plan C – Monthly Income of atleast ₹50,000
    • Plan D – Monthly Income of atleast ₹75,000
  • Pre Policy Medical Tests
    • Upto 55 years of age - Medical tests waived subject to no adverse health declaration on the proposal form
    • Above 55 years of Age – Medical tests are required

• Coverages of Future Generali Hospital Cash Insurance

  Benefit	Plan A	Plan B	Plan C	Plan D
  Maximum Policy Term	1 year
  Minimum Entry Age	6 months
  Maximum Entry Age	65 years
  Renewal Conditions	Lifelong Renewal
  Policy Duration	Can be offered in 30 days / 60 days / 90 days / 180 days options
  Daily Hospital Benefit Due to Sickness	500	1,000	2,000	3,000
  ICU Benefit in Home city of Residence	1,000	2,000	4,000	6,000
  ICU Benefit in city other than Home city of Residence	1,500	3,000	6,000	9,000
  Convalescence Benefit for Hospitalisation more than 10 days	5,000
  Income Eligibility Criteria	Not Applicable		Monthly Income of atleast ₹50,000	Monthly Income of atleast ₹50,000

• Exclusions of Future Generali Hospital Cash insurance

  • Pre-existing diseases will be covered after a waiting period of 48 months.
  • Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.
  • Hospitalization for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental investigational or unproven procedures or treatments.
  • Hospitalization for General debility, ‘Run-down’ condition or rest cure, sexually transmitted disease, intentional self-injury.
  • Hospitalization for Pregnancy and fertility related treatments.