Future Generali Future HospiCash Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
About Future Generali Future HospiCash Health Insurance
Future HospiCash by Future Generali is a great solution for additional expenses that one has to take care of while being hospitalised. The offered policy keeps one away from financial concerns in a critical medical situation by providing a fixed benefit for each day of hospitalisation. Available on both, individual as well as family floater basis, Future HospiCash comes with a maximum policy term of 1 year.
Allowing one to claim for each day of hospitalisation, the policy promises coverage for self, spouse, and two dependent children, up to 25 years of age. The sum insured for Future HospiCash is specific according to plan types, namely Plan A, Plan B, Plan C, and Plan D. A great addition to an existing health insurance plan, Future HospiCash lets you manage incidental expenses that occur in case of hospitalisation. The coverage includes ICU Benefit within the City of Residence, ICU Benefit outside Your City of Residence, Additional Convalescence Benefit, and ICU Benefit.
Health Insurance Calculator
Whom do you want the insurance for ?
Select the age of all members
- You
Where do you live ?
Choose required Coverage for yourself?
Key Inclusions and Exclusions of the Plan
What's Included
- Twice of the per day benefit for hospitalisation within the city
- Thrice of the per day benefit for hospitalisation outside the city
- Hospital cash benefit for 24 hours for a maximum of 30/60/90/180 days as per schedule
- An additional convalescence benefit of Rs. 5000 for hospitalisation beyond 10 days
- No medical tests for clean proposal, except Plans C and D with insured aged 55 years & above
What's Not Included
- Dental treatment or surgery of any type unless requiring hospitalisation
- Treatment of obesity and other weight control programs, services, and supplies
- Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials
- Congenital internal and/or external illness/disease/defect
- Genetic disorders and stem cell implantation/surgery/storage
8359 Future Generali Cashless Network Hospitals in India
Choose Future Generali Critical Illness Plan
Choose Future Generali Plan for
Future Generali HospiCash Expert Review
-
-
Major Attractions
Future HospiCash is a rewarding policy to invest in to prevent financial concerns, especially because of additional expenses, at the time of medical emergency. Allowing you to claim for each day of hospitalisation, Future HospiCash is an insurance choice you can make without spending a significant amount. A complete package in itself, the policy offers benefits such as -
- Claim benefit - Claim for each day of hospitalisation
- ICU benefit - Available for a maximum period of 10 days for each day of hospitalisation & maximum 20 days during the policy period
- ICU benefit within the city of residence - 2 times of the per day benefit
- ICU benefit outside your city of residence - 3 times of the per day benefit
- Additional convalescence benefit - Rs. 5,000 for hospitalisation of more than 10 days, once per hospitalisation event
- No pre-acceptance medical tests required for individual age up to 55 years (except for Plan C & Plan D)
- No loading on premium for adverse claims experience in individual HospiCash policy
- Coverage for self and family under single sum insured
-
What’s More?
Without any doubt, Future HospiCash is a superior policy to gain additional protection. Helping cope with financial uncertainties that come with medical situations, the offered policy not only provides a string of benefits, but also offers features that help the insured gain a complete experience, without having to worry about finances, even for a day. The prime additional features include -
- Renewal for life
- Grace period - 30 days
- Free look period - 15 days
- Coverage for pre-existing diseases after a waiting period of 48 months
- Easy policy portability as per the Portability Guidelines from a similar Hospital Cash Policy
- Tax benefits under Section 80D of the Income Tax Act
-
Conclusion
Future HospiCash comes across as the best help one can expect during a time of distress, especially when one is not expecting expenses other than the medical ones. Overall, the policy is a savior for people who don’t want to end up compromising their treatment quality and other expenses, due to lack of funds.
If willing to buy Future HospiCash, do so online so that your policy gets issued quickly. Besides, you can rely on InsuranceDekho for purchase process and gain policy portability & transparency, claim settlement support, and other benefits in return.
Claim Process at Future Generali Health Insurance
FAQs on Future HospiCash Health Insurance Plan
-
-
Can I cover my children under Future HospiCash?
Yes! Children aged 6 months to 25 years can be covered under Future HospiCash if parents are insured under the same plan.
-
What are the sum insured options offered under Future HospiCash?
Under Future HospiCash, sum insured options vary according to the plan opted for. However, while the minimum sum insured amount is Rs. 500 per day, the maximum amount is Rs. 3000 for Daily Hospitalisation Benefit due to sickness.
-
What is the maximum renewal age for Future HospiCash?
Future HospiCash doesn’t feature a maximum renewal age. It is a lifelong renewable policy.
-
What is the maximum per day benefit available under Future HospiCash?
Under Future HospiCash, the maximum benefit available for an individual is Rs. 6,000 per day. It is applicable for multiple policies, where per day benefit exceeds Rs. 3000 (all policies put together).