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Hospital cash policies are getting popular in the recent days owing to the increasing non-medical expenses associated with hospital stay. While a mediclaim policy takes care of the hospitalisation expenses, a hospitalised patient is likely to incur a lot more expenses associated with traveling of family members, food, comfort, etc. Future Generali Future Hospicash is designed to take care of these expenses incurred during hospital stay. This daily cash plan provides a fixed benefit for every single day of hospitalisation up to a specified limit. The benefit obtained from this cover can be used for anything as per the insured’s discretion.
This policy cover is available for those who meet the following eligibility criteria:
Some of the notable features of Future Generali Future Hospicash can be given as follows:
The daily cash benefits available under Future Generali Future Hospicash can be given in the table below:
|Benefits||Extent of Coverage|
|Hospitalisation due to sickness||Rs.500 to Rs.3,000 (based on the plan chosen) per day|
|ICU admission in home city of residence (max. 10 days per policy year)||Rs.1,000 to Rs.6,000 (double the daily cash benefit of the chosen plan) per day|
|ICU admission in a location other than the home city of residence (max. 10 days per policy year)||Rs.1,500 to Rs.9,000 (triple the daily cash benefit of the chosen plan) per day|
|Convalescence benefit||One-time payment of Rs.5,000 for hospitalisation exceeding 10 days|
The following list of exclusions apply to Future Generali Future Hospicash:
Claim settlement process for this daily cash plan is simple. During the time of hospitalisation, the policyholder must intimate the company about the hospitalisation. The insurer can be notified by contacting the customer service department. After discharge from the hospital, the following documents can be submitted to the company to proceed with the claim request:
The company will verify these documents after submission and communicate the acceptance or rejection of the claim. Claim rejection will be communicated along with the appropriate reason. Upon acceptance of the claim, the settlement amount will be provided within a reasonable time.
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