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Hospital Cash Plan

Hospital Cash Plan


Find out how this plan works for you

Best complement to your existing health insurance policy

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.

Eligibility

Entry Age

Adults
18 to 65 years lifetime renewal option

Children
6 to 25 years can be covered only if parents are insured with Future Generali

Maximum Sum Insured

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/

Pre Acceptance Medical Tests

Age up to 55 Years
Medical tests waived subject to no adverse health declaration on the proposal form.

Age Over 55 Years
Medical tests required for specific plans and 50% of the test charges are reimbursed, if you or family members are insured with us.

Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

What’s Covered

  • ICU Benefit Within the City of Residence

    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.

  • ICU Benefit Outside Your City of 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

    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:

    ICU benefit is available for maximum period of 10 days for each hospitalisation and maximum 20 days during the policy period.

Exclusions of this plan

  • Pre-Existing Diseases

    Pre-existing diseases will be covered after a waiting period of 48 months.

  • Specific Diseases

    Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.

  • Hospitalisation for Certain Treatments and Surgeries:

    Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.

  • Hospitalisation for General Debility

    Hospitalisation for general debility, ‘Run-down’ condition or rest cure, sexually transmitted disease, intentional self-injury.

  • Hospitalisation for Fertility Related Treatments

    Hospitalisation for Pregnancy and fertility related treatments.

  • Non-Allopathic Treatment:

    Non-Allopathic Treatment / Hospitalisation.

  • Hospitalisation in Case of Illnesses

    Hospitalisation for any mental illness or psychiatric illness.

  • To view the list of Non – Payable items, click here.

Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings

How can you buy this Policy?

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 Quote
    It 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 Form
    You need to fill in the proposal form and answer from basic questions about your medical history before you can buy the policy.

  • Review Your Proposal
    Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.

  • Complete Your Purchase
    After 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 Policy
    You 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.

Buy Online Now

Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.

What happens next after you have purchased

When you become a Future Generali Health Customer, you will receive a membership pack containing the following:

  • Complaint/Feedback Form

    Should you have any complaints/feedback,you can fill in the form and submit it to the nearest branch or email us.

  • Grievance Redressal

    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:

1800-220-233

   1860-500-3333

   022-67837800

You ask. We answer.

What is Hospi Cash policy?
Are original bills required for Hospi Cash claim?
What is the maximum per day benefit under Hospi Cash?
Is there any recovery benefit under this policy?
What is the maximum number of days for which I can claim in a year?
Can I avail Hospi Cash as floater option?
Can I port my existing hospitalisation daily cash policy to Hospi Cash?
Do I get tax benefit under section 80 D of IT act for premium paid to take Hospi Cash?

Top reasons why this plan is ideal for you


1

Incidental Expenses in Case of Hospitalization

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.

2

Claim Benefit

You can claim for each day of hospitalization depending upon the plan you have opted for.

3

No Previous Mediclaim Policy Required:

You can opt for this policy even if you do not have any mediclaim policy with you.

4

Floater Benefit

Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).

5

Quick Turnaround Time

Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted).

6

30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

7

Free Look Period

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.

8

Portability

Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

DOWNLOADS

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.

Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!

Sanket Shah

I have used many insurance policies for my car, but I found FUTURE GENERALI is the best amongst all companies. Service is really very fast and the large number of garages are working for perfect recovery.

Ganpat R Mali

This is the second time that the entire claims process have been handled & supervised very efficiently. Thank you for your support in this & we cherish our relationship on a continued basis.

N. Yogeshwaran

Appreciate the way my case was handled by providing timely claim settlement. This will definitely impact to me positively leading to positive word of mouth. I will definitely renew my insurance policy with future Generali only and also suggest in my friend circle.

Vijay Vagdoda

Claims with insurance companies are very difficult to recover, but with Future Generali I never got that feeling. From day one I was informed that my claim would be pass and that I shouldn't worry. I am very satisfied with Future Generali.

Kaizad Mistry

Thank You!

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