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.
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.
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 |
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
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
Documents Required at the Time of Filing for the Claim
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 |
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