Compare & Buy Car, Bike and Health Insurance Online - InsuranceDekho
Claim, renew, manage & moreLogin
  Hurry Up!
Save tax in 80D by purchasing a Health Insurance Today. View Plan

Future Generali Future HospiCash Health Insurance

115 reviews Rate This
Future Generali Health Insurance
Future HospiCash
Claim Settlement Ratio94%
Network Hospitals8,400+
Cashless Approval TAT2 hr Cashless Claim Processing
Special BenefitsComplimentary 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?

2 Lac
3 Lac
5 Lac
10 Lac
25 Lac
Disclaimer : Actual Premium might vary basis your location, age and number of members
Need help?

Get FREE Personalized Insurance Advice At Your Home

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

1858 Future Generali Cashless Network Hospitals in India

Choose Future Generali Critical Illness Plan

Future HospiCash User Reviews

Write your review
What users are saying
  • All

Future Generali HospiCash Expert Review

  • Expert Review

    When Future Generali provides Future HospiCash, it provides financial stability and peace of mind to you. An excellent policy to cater to the additional expense needs of an entire family, Future HospiCash is there to prevent you from facing increased financial burden, in case of hospitalisation. Overall, a superior choice for those who want a solution for their incidental expenses, Future HospiCash is a worthy investment you can go for without breaking your bank. 

    When it comes to eligibility age, note that anyone between 18 years and up to 65 years can opt for Future HospiCash. Even children between 6 months and 25 years can be covered, provided that their parents are insured as well. Offered on both, individual and family floater sum insured basis, Future HospiCash features a maximum policy term of 1 year. Last but not the least, Future HospiCash comes in the form of Plans A, B, C, D that vary in their number of days covered (30 days, 60 days, 90 days, or 180 days) as well as benefits. 

  • 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.

Future Generali Future HospiCash Brochure

  • 219.74 KB
  • PDF Document
  • Sep 17, 2019

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Future HospiCash Health Insurance Plan

  • What is the minimum and maximum eligible age for Future HospiCash?

    For Future HospiCash, while the minimum entry age is 18 years, the maximum entry age is 65 years for adults.

  • 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).

View More Questions

Health Insurance Articles

  • Latest Articles
  • Popular Articles