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No one plans to get sick or hurt, but most people need medical care at some point. While your regular health insurance policy will pay for the hospitalisation expenses there are many incidental expenses which may not be covered.
Future Hospicash is a cover that provides cash benefit in case of hospitalisation to avoid drain in your savings.
Adults18 to 65 years lifetime renewal option
Children6 to 25 years can be covered only if parents are insured with Future Generali
Plan A and Plan B Income criteria – Not applicable
Plan C Monthly income above Rs. 50,000
Plan D Monthly income above Rs. 75,000/
Age up to 55 YearsMedical tests waived subject to no adverse health declaration on the proposal form.
Age Over 55 YearsMedical tests required for specific plans and 50% of the test charges are reimbursed, if you or family members are insured with us.
Medical Report Validity30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.
You will get twice of the per day benefit if you or your family member is hospitalised in an ICU within the city of your residence.
You will get thrice of the per day benefit if you or your family member is hospitalised in an ICU outside the city of residence.
An additional convalescence benefit of Rs 5000 for hospitalisation of more than 10 days is also payable to you or your family member, once per hospitalisation event.
ICU benefit is available for maximum period of 10 days for each hospitalisation and maximum 20 days during the policy period.
Pre-existing diseases will be covered after a waiting period of 48 months.
Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.
Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.
Hospitalisation for general debility, ‘Run-down’ condition or rest cure, sexually transmitted disease, intentional self-injury.
Hospitalisation for Pregnancy and fertility related treatments.
Non-Allopathic Treatment / Hospitalisation.
Hospitalisation for any mental illness or psychiatric illness.
Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings
Buy your Health Insurance Plan Online
Buying your health insurance plan online for you and your Family in simple steps.
Here are the steps to buying online:
Get an Online QuoteIt takes just a few minutes to generate your quote online.a. Select your policy type. If you are looking for an individual health insurance plan, each individual of a family is entitled to a sum insured you opt. In a family floater, the sum insured is shared by all members of the family in the plan.Get your Hospital Cash Insurance quote
Fill in Your Proposal FormYou need to fill in the proposal form and answer from basic questions about your medical history before you can buy the policy.
Review Your ProposalReview your quote and verify you have provided correct information including your nominee name and the premium you need to pay.
Complete Your PurchaseAfter your confirm your premium and agree to the terms & conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely & conveniently in easy steps and you’re done.
Download Your PolicyYou can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided during the time of registration.
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
80D certificate if premium is paid by cheque
Policy coverage and Terms & Conditions
You can intimate your claim online or submit the form to your nearest branch or alternatively email us.
Should you have any complaints/feedback,you can fill in the form and submit it to the nearest branch or email us.
Procedure along with list of ombudsman addresses.In case you are not satisfied with the resolution to the complaint as provided by us,you may approach the Insurance Ombudsman for review.
You can expect to receive this pack within 12-15 working days of purchasing our health insurance.
Making a Claim
At Future Generali,we will do everything to make your claim as simple and convenient.And here are few reasons why:
We have an in-house claim settlement team that processes your claims within 14 working days from the time we receive your complete claim documents.
In order to get the periodic update on your claim,please ensure to mention your mobile number and e-mail Id on the claim form.
Find out more about how to make a claim or check out our claim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy,you can call us on:
In event of hospitalisation even if you have a standard Mediclaim policy, you may have to make some “out of pocket” expenditure like food, conveyance etc. Hospi Cash will pay a fixed benefit amount for each day of hospitalisation to take care of such incidental expenses and thus reduce out of pocket expenditure.
No, Hospi Cash is a benefit policy which means the benefit amount is not related to actual expenses hence original bills are not required. Bills and documents (original) asked at the time of claim are for checking the admissibility and will be returned to you.
We offer up to Rs. 3000 per day benefit under Hospi Cash. Moreover in case of ICU hospitalisation the benefit amount will be double (same city) or triple (other city).
Yes, we will pay additional Rs. 5,000 as convalescence/ recovery benefit if the insured is hospitalised for consecutive period exceeding 10 days.
Policy offers various options (30/ 60/ 90/ 180 days) and you may choose accordingly.
Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.
Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
You get a cash benefit in case you or your family member is hospitalized. It is specifically designed to take care of the incidental expenses in case of hospitalization.
You can claim for each day of hospitalization depending upon the plan you have opted for.
You can opt for this policy even if you do not have any mediclaim policy with you.
Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted).
From the expiry date of the policy, you get 30 days grace period for renewal.
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
Premium paid is exempt under the section 80 D of Income Tax.
You do not pay anything extra during renewal for making claims on your policy.
State of the art, in-house claims servicing unit. Claims settlement within 14 working days*** (*** Subject to all required documentation/information being submitted).
You can renew your Policy within 30 days from the date of expiry of your policy and continue to enjoy the benefit for all the waiting periods.
If dissatisfied and made no claim, you can opt for cancellation of the policy within 15 days of receipt of the policy documents. Refund is as per the policy terms and conditions *
* Refer brochure for complete details.
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
Product Name:-Future Hospicash UIN NO:-IRDA/NL-HLT/FGII/P-H/V.I/75/13-14 Launch Date:-24-Jun-2013
Ganpat R Mali
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