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What is a Hospital Cash Plan?

No one plans to get sick or hurt. But, most of us need medical care at some point.

Even if you already have health insurance, it might not cover incidental expenses. What are those? Expenses like food, travel, x-ray charges, and surgical accessories cost are incidental expenses.

With Future Generali’s Hospital Cash Insurance, you get a daily allowance when hospitalised. You can use this allowance for all the incidental expenses. It is a fool-proof way that gives you cash benefits and prevents your savings from depleting. Plus, the plan covers both you and your family members!

Why buy Future Hospicash?

Lump Sum Benefit

Get a lump sum benefit if the policyholder gets hospitalized due to any of the listed conditions.

Free Look Period

Opt for cancellation within 15 days from the policy issue, provided there has been no claim.

30 Days of Renewal

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

Portability

Port your policy as per the portability guidelines of IRDAI.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

Comprehensive coverage
Quick policy disbursal
Super-fast claim settlements
Coverage for your family
No previous Mediclaim policy required
Policy cancellation available

FG Pocket Clinic

Get access to specialized doctor consultations right at your fingertips.

What is covered?

INCLUSIONS

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 Benefits

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

Recovery can often be as expensive as hospitalisation. That’s why our policy provides an additional benefit of Rs. 5,000 for a stress-free recovery.

What is not covered?

EXCLUSIONS

Pre-existing diseases
Fertility-related illnesses
Non-allopathic treatment
Cosmetic surgeries
Self-inflicted injury

What are the eligibility and sum insured in Hospi Cash?

We secure

Adults: 18 years and 65 years of age with lifetime renewal option
Children: 6 months and 25 years of age, provided the parents are simultaneously insured with us

Our maximum sum insured is

Plan A and Pan 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

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How Can I Purchase
Future Generali Health Insurance?

1
Get a quick quote

We only need some basic details to give you a quote.
2
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
3
Pay and get your policy
Now pay the premium and get your policy in your inbox!

What happens after purchase?

Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate 80D certificate if premium is paid by cheque
Policy coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to us.
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 In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form
Download the FG health claim form, fill it and along with it
3

Document Submission
Submit original documents to the nearest Future Generali branch
4

Claim Settlement
We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Future Generali’s easy four-step claim process

1

Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
3

Get Admitted
You get admitted without any deposit and get cashless treatment
4

Peace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospital

FAQs – Frequently asked questions

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Can I migrate from my existing daily cash policy to Hospi cash?

Yes, you may migrate your existing policy by applying to us 30 days before your policy expiry date

What is Hospi Cash policy?

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.

What is the maximum number of days for which I can claim in a year?

Policy offers various options (30/ 60/ 90/ 180 days) and you may choose accordingly.

Do I get tax benefit under section 80 D of IT act for premium paid to take Hospi Cash?

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Can I avail Hospi Cash as floater option?

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

Is there any recovery benefit under this policy?

Yes, we will pay additional Rs. 5,000 as convalescence/ recovery benefit if the insured is hospitalised for consecutive period exceeding 10 days.

What is the maximum per day benefit under Hospi Cash?

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).

Are original bills required for Hospi Cash claim?

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.