Future Generali Hospital Cash Insurance Policy

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      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.

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      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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