Future Generali Future Hospicash Plan

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*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

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      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.

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      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

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