Future Generali Future Hospicash Plan

What is the Plan all About?

There are various non medical expenses which will drain your savings apart from the medical expenses.To combat these incidental expenses, Future Generali has introduced a plan Future Hospicash which will cushion your financial expenditure. This plan pays a fixed benefit during the hospitalization, providing an additional support in such stressed times.

There are 4 variants of this plan:

Plan A (Benefits available for 30 days)
Plan B(Benefits available for 60 days)
Plan C(Benefits available for 90 days)
Plan D(Benefits available for 180 days)

Key Features

Fixed benefits on per day basis
Lifelong Renewability
Pre acceptance medical test waived off upto 55 years
Options to choose the cover type

Plan Benefits

Avail daily hospitalization benefits each day as per the plan variant opted.
ICU Benefit available for 10 days during a single hospitalization and 20 days for the policy year. ICU benefits will be paid 2 times if it is in the city of residence and 3 times if it is outside the city of residence.
Convalescence benefit of Rs 5,000 paid for hospitalization for more than 10 days.

Value Added Benefits

No loading on premium for the adverse claims.
Premium paid is exempted under section 80 D of Income Tax Act, 1961.
Policy can be ported as per the Portability Guidelines of the regulator.
Lifelong renewability offered for this plan.

Sub Limits

Daily Hospitalization benefit is limited as per the plan variant opted which is Plan A: Rs 500, Plan B: Rs 1,000, Plan C: Rs 2,000 and Plan D: Rs 3,000.
ICU Benefit in the city of residence varies as per the plan opted which is Plan A: Rs 1,000, Plan B: Rs 2,000, Plan C: Rs 4,000 and Plan D: Rs 6,000.
ICU Benefit other than home city of residence also varies as per the plan opted which is Plan A: Rs 1,500, Plan B: Rs 3,000, Plan C: Rs 6,000 and Plan D: Rs 9,000.
Maximum benefit available under this plan is Rs 6,000 per day under single or many hospicash plans.

Waiting Period Clause

Pre existing Disease Waiting Period: Any pre-existing condition is covered after the waiting period of 4 years of continuous coverage.
Specific Waiting Period: 2 years Waiting Period for specific conditions like cataract, hernia,etc. which arementioned in the policy.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult:18 Years , Child: 6 Years	Adult:65 Years. Child: 25 Years
Plan Benefit	Rs 500/pay	Rs 3,000/day
Cover Type	Individual/Family Floater	-
Policy Tenure	1 Year	1 Year
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-