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 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

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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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