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Future Generali Hospital Cash Insurance Plan

All regular health insurance policies will pay for the hospitalisation expenses but there are many incidental expenses which may not be covered under these plans and this is where a policy like Hospital Cash becomes relevant.
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Future Hospicash is a cover that provides cash benefit in case of hospitalisation to avoid eating one’s savings. Future Hospicash is a cover that provides cash benefit in case you get hospitalised and is designed to take care of the incidental expenses in case of hospitalization. The policy guards the insured against the stress one faces because of increased financial burden during hospitalization. It provides for the insured, a fixed benefit for each day of hospitalization irrespective of the actual medical cost, thus providing an additional protection all the time.
  • Eligibility
  • Features
  • Coverages
  • Exclusions

Eligibility Criteria

  • 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

Features of Future Hospicash

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.

Coverages under Future Hospicash

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 under this Plan

Some of the exclusions under this plan are below, kindly refer the terms and conditions for the complete set of exclusions.
  • 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.

Future Generali Health Insurance useful links

How to buy online?
How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

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  • Address
  • InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022