Future Generali Future Hospicash Plan

This policy takes care of hospitalization expenses of insured person as well as his/her family. Sudden hospitalization is unfortunate and can lead to increased financial burden.

Read More

Future Generali Future Hospicash Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on ‘View Plans’ you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    Do you have an existing illness or medical history?

    This helps us find plans that cover your condition and avoid claim rejection

    Get updates on WhatsApp

    What is your existing illness?

    Select all that apply

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Future Hospi-Cash provides you with fixed benefit for each day of hospitalization irrespective of the actual medical cost. The benefits are available in cash adding to the convenience of the insured person.

    Key Features

    • The insured can claim for each day of hospitalization as per their plan.
    • Maximum Policy term is 1 year.
    • ICU benefit available for maximum period of 10 days for each hospitalization and maximum 20 days during the policy period.
    • Per day benefit will be 2 times when hospitalized in an ICU in the home city i.e. within the city of residence.
    • Per day benefit will be 3 times when hospitalized in an ICU outside the home city i.e. outside the city of residence.
    • Additional convalescence benefit of ` 5000 for hospitalization of more than 10 days; payable only once per hospitalization event.
    • Maximum benefit available for an individual is Rs.6000 per day.

    Benefits

    Plan A, B, C, D can be offered for different option 30 days / 60 days / 90 days / 180 Days.

    Benefits

    Plan

     

    A

    B

    C

    D

    Daily Hospitalization benefit due to sickness

    500

    1000

    2000

    3000

    ICU benefit in home city of residence( max 10 days)

    1000

    2000

    4000

    6000

    ICU benefit in other than home city of residence (max. 10 days)

    1500

    3000

    6000

    9000

    Convalescence benefit for hospitalization exceeding 10 consecutive days

    5000

    Details about Premium

    Annual premium in Rupees exclusive of taxes

    Plan A, 30 Days

     

    Sum Insured/ Age

    6 months-25 years

    26-35 years

    36-45 years

    46-55 years

    56-60 years

    61-65 years

    76-70 years

    71-75 years

    76-80 years

    Above 80 years

    Rs.500/ day

    261

    391

    521

    717

    912

    977

    1108

    1368

    1629

    1629

    Rs.1000/ day

    486

    728

    971

    1336

    1700

    1821

    2064

    2550

    3035

    3035

    Rs.2000/ day

    936

    1403

    1871

    2573

    3275

    3509

    3976

    4912

    5818

    5848

    Rs.3000/ day

    1386

    2078

    2771

    3810

    4850

    5196

    5889

    7274

    8660

    8660

     

    Premium of spouse- 50% of self-premium

    Premium of Child- 25% of self-premium

    Policy Details

    Sum Insured: Rs.500 per day, Rs.1000 per day, Rs.2000 per day and Rs.3000 per day

    No Claim Bonus:

    Incurred Claim Ratio under the Group Policy

    Discount Percentage (%)

    Up to 20%

    20

    21-35%

    15

    36-50%

    10

    51-55%

    5


    Coverage type
    : Individual/Family

    Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

    Portability: Portability will be granted subject to the policyholder desirous of porting his policy to Future Hos[i-cash Policy applying to Future Generali India Insurance Company Ltd at least 45 days before the premium renewal date of his/her existing policy.

    Renewal Policies: Lifelong Renewal.

    Policy termination: The insured person may cancel the policy by giving at least 15 days written notice, and if no claim has been made then premium will be refunded on short term rates for the unexpired Policy Period as per the rates detailed below.

    Up to one month

    75% of annual rate

    Up to three months

    50% of annual rate

    Up to six months

    25% of annual rate

    Exceeding 6 months

    Nil

    *The rates may vary. Please check the policy wordings for more details.

    Free look period: 15 days

    Exclusions

    • 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.
    • Non-Allopathic Treatment / Hospitalization.
    • Hospitalization for any mental illness or psychiatric illness.
    • Any hospitalization outside India.

    Documents Required at the Time of Filing for the Claim

    • Photocopy of discharge card
    • Hospital Bill/ receipt

    Eligibility

    • Minimum Entry Age- 6 months
    • Maximum Entry Age- 65 years
    • Children up to the age of 25 years are eligible if either parent is getting insured under this policy.

    Income Criteria:

    Plan

    Income Criteria

    Plan A and Plan B

    Not applicable

    Plan C

    Monthly Income above Rs.50000

    Plan D

    Monthly Income above Rs.75000

    Multiple policies where per day benefit exceeds Rs.3000

    125% of the insured’s daily income

    Health insurance articles

    Recent Articles
    Popular Articles
    Care Health Insurance Introduces New ‘Care Supreme’ with Comprehensive Coverage

    16 Nov 2022

    In a bid to provide world-class comprehensive coverage to people...
    Read more
    Sum Insured in Health Insurance: Meaning & Importance

    11 Nov 2022

    People who are new to the world of insurance may not understand...
    Read more
    How to File a Reimbursement Claim Under Health Insurance?

    03 Nov 2022

    The biggest reason for buying health insurance is to get financial...
    Read more
    Health Insurance Policies to Include Mental Health Coverage Before 31 Oct: IRDAI

    02 Nov 2022

    The Insurance Regulatory and Development Authority has directed...
    Read more
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    10 Major Benefits of Ayushman Bharat Yojana
    Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi...
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL