Future Generali Hospicash Hospital Cash Plan

The Future Generali Hospital Cash Plan ‘Hospicash’ protects you against hospitalization cost. You can receive hospital cash benefit to ensure that you don’t get drained. The health insurance policy takes care of all your hospitalization related expenses which are usually not included by . The Future Generali Hospicash Plan policy comes with 4 plans namely plan A, B, C and D. The policy allows you to insure maximum 2 dependents along with you and your spouse under it.

Features and benefits of Future Generali ‘Hospicash’ Hospital Cash Plan:

Entry Age For Adults: Minimum age- 18 years Maximum age - 65 years. For Children: Minimum age – 6 years. Maximum age – 25 years.
Basis This is a Hospi Cash Family Floater plan.
Medical test No medical test is required for specific plans and 50% of the test cost gets reimbursed.
Renewability Policy renewability is available.
Special Features The policy comes with the following features:
  • You can insure you, your spouse and maximum 2 dependents under this plan.
  • The policy allows portability.
  • The policy comes with a grace period of 20 days within which you can renew your policy once it expires.
  • Free look period is 15 days.
  • Maximum policy term is 1 year.
Sum assured Sum assured is dependent on your monthly income.
  • Minimum monthly income required for plan C is Rs. 50,000.
  • Maximum monthly income required for plan D is Rs. 75.000.
  • For plan A and B, minimum income criteria is not available.
Premiums Premiums are different for different plans and they differ as per different sum assureds and age of the life insured.
Policy coverage The policy covers the following conditions:
  • ICU charges within the city of residence.
  • ICU benefits without your city of residence.
  • It provides an additional convalescences benefits of Rs. 5000 for hospitalization done for more than 10 days.
  • You can avail maximum 20 ICU benefits during the policy tenure and 10 days during each hospitalization.
Benefits The policy comes with the following benefits :
  • Get comprehensive coverage for you and your family members.
  • No previous medclaim policy is required to apply for this policy.
  • Quick turnaround time which is 14 working days within which your claim will be resolved.
  • Enjoy professionally managed in-house claim processing.
Exclusions The plan does not provide cover for pre-existing diseases, hospitalization cost for fertility related treatments, cost incurred in plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments, non - Allopathic treatments, expenses involved in hospitalization for any mental illness or psychiatric illness.

Please read the main policy document for further information. This is not an all-inclusive description of the plan.

Other Health Insurance Plans from Future Generali:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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