Future Generali Hospital Cash Insurance Policy: Benefits, Premium & Coverage

Future Generali Hospital Cash Insurance Policy

Future Generali Hospital Cash insurance policy provides coverage for incidental expenses incurred by the insured during hospitalization, such as on conveyance, food, etc. It prevents the insured from making out-of-pocket expenses during hospitalization that are usually excluded under a regular health insurance plan.

Future Generali Hospital Cash Policy Overview

Future Generali Hospi-Cash policy provides a fixed hospital cash benefit to the insured for each day of hospitalization irrespective of the actual medical expenses incurred. It also provides an ICU benefit wherein the daily hospital cash amount will be doubled or tripled as per the city. Moreover, it also offers an additional convalescence benefit.

The Future Hospital Cash policy comes with four plan options - Plan A, Plan B, Plan C and Plan D. While Plan A offers a daily hospital cash benefit of Rs 500, Plan B offers the benefit of Rs 1000 per day. Plan C offers a daily hospital cash benefit of Rs 2000 and can be opted by people with a monthly income of more than Rs 50,000. Similarly, applicants of Plan D must have a minimum monthly income of Rs 75,000 to opt for a daily hospital cash benefit of Rs 3000 per day.

The Future Hospi-Cash policy comes with the option of 30/60/90/180 days of hospital cash days.

Future Generali Hospital Cash Policy Eligibility Criteria

Criteria	Specifications
Minimum Entry Age	18 years 6 months (children)
Maximum Entry Age	65 years 25 years (children)
Coverage	Individual/ Floater
Plans Offered	Plan A, Plan B, Plan C, Plan D
Hospital Cash Amount	Rs 500/1000/2000/3000 per day
Number of Hospital Cash Days	30/60/90/180 days
Policy Term	1 year
Pre-existing diseases waiting period	4 years
Renewability	Lifelong

Key Features of Future Generali Hospital Cash Policy

Take a look at the various key features and benefits of the Future Generali Hospi-Cash policy offered by Future Generali Health Insurance:

It is available for individuals as well as families.
It comes with four plan options.
It offers double/triple hospital cash benefit amount in case of ICU hospitalization.
It also provides convalescence benefit.
Multiple policies can be bought with a maximum daily hospital cash benefit of Rs 3000 per day
It provides tax benefits under section 80D of the Income Tax Act.

Inclusions of Future Generali Hospital Cash Policy

The following coverage is provided under the Future Generali Hospi-Cash policy:

Daily Sickness Hospitalization Benefit - Offers a hospital cash benefit ranging from Rs 500 to Rs 3000 per day as per the chosen plan option
ICU Benefit - Offers double or triple the hospital cash benefit amount if admitted to the ICU in the same city or another city respectively for a maximum of 10 days in 20 days policy period
Convalescence Benefit -Offers a convalescence benefit of Rs 5000 if hospitalized for 10 consecutive days

Exclusions of Future Generali Hospital Cash Policy

The following coverage is not provided under the Future Generali Hospital Cash policy:

Cosmetic treatments
Mental or psychiatric illness
Intentional self-injury
Non-allopathic treatment
Pregnancy and fertility treatment
Plastic surgery
Sexually transmitted diseases
Treatment taken outside India

The aforementioned list of exclusions is not complete. You can check the complete list on the Future Generali Hospital Cash policy.

FAQs

Q. Do I need to appear for a pre-policy medical check-up while buying the Future Generali Hospital Cash policy?

Yes. You need to appear for a medical check-up to buy the Future Generali Hospi-Cash policy in case you are above 55 years of age and want to buy Plan C or Plan D.
Q. Is there an upper limit for the daily cash benefit under the Future Generali Hospital cash policy?

Yes. You can get a maximum hospital cash benefit of Rs 6000 per day under a single or multiple Future Generali Hospital Cash policies.
Q. What are the various waiting periods applicable under the Future Generali Hospital Cash policy?
The following waiting period applies under the Future Generali Hospi-Cash policy:
- Pre-existing diseases - 48 months
- Specific diseases - 24 months
Q. Can I avail cashless treatment under my Future Generali Hospital Cash policy?

Yes. You can avail cashless treatment facility at more than 6000 network hospitals of Future Generali India Insurance Company Ltd. across the country.
Q. Do I need to pay any cancellation fee for surrendering my Future Generali Hospital Cash policy?

You will not be required to pay any cancellation fee while surrendering your Future Generali Hospital Cash policy during the free-look period or the first 15 days of policy commencement. If you cancel your policy after the free-look period, you will be required to pay a cancellation fee.
Q. Which documents should I submit to file a claim under the Future Generali Hospital Cash policy?
At the time of raising a claim under your Future Generali Hospital Cash policy, you will be required to submit the following documents:
- Duly filled claim form for Hospi-Cash policy
- Copy of final hospital bill with payment receipts
- Copy of hospital discharge certificate

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Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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