Hospital Cash Plan

Find out how this plan works for you

Best complement to your existing health insurance policy
No one plans to get sick or hurt, but most people need medical care at some point. While your regular health insurance policy will pay for the hospitalisation expenses there are many incidental expenses which may not be covered.

Future Hospicash is a cover that provides cash benefit in case of hospitalisation to avoid drain in your savings.




Pre Acceptance Medical Tests
Age up to 55 Years
Medical tests waived subject to no adverse health declaration on the proposal form.

Age Over 55 Years
Medical tests required for specific plans and 50% of the test charges are reimbursed, if you or family members are insured with us.

Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

What's Covered
ICU Benefit Within the City of Residence
You will get twice of the per day benefit if you or your family member is hospitalised in an ICU within the city of your residence.

ICU Benefit Outside Your City of Residence:
You will get thrice of the per day benefit if you or your family member is hospitalised in an ICU outside the city of residence.

An Additional Convalescence Benefit
An additional convalescence benefit of Rs 5000 for hospitalisation of more than 10 days is also payable to you or your family member, once per hospitalisation event.

ICU Benefit:
ICU benefit is available for maximum period of 10 days for each hospitalisation and maximum 20 days during the policy period.

Top reasons why this plan is ideal for you

1 Incidental Expenses in Case of Hospitalization
You get a cash benefit in case you or your family member is hospitalized. It is specifically designed to take care of the incidental expenses in case of hospitalization.

2 Claim Benefit
You can claim for each day of hospitalization depending upon the plan you have opted for.

3 No Previous Mediclaim Policy Required:
You can opt for this policy even if you do not have any mediclaim policy with you.

4 Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse and up to 2 dependent children until 25 years).

5 Quick Turnaround Time
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted).

6 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

7 Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.

8 Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

Exclusions of this plan
Pre-Existing Diseases
Pre-existing diseases will be covered after a waiting period of 48 months.

Specific Diseases
Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.

Hospitalisation for Certain Treatments and Surgeries:
Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.

Hospitalisation for General Debility
Hospitalisation for general debility, Run-down condition or rest cure, sexually transmitted disease, intentional self-injury.

Hospitalisation for Fertility Related Treatments
Hospitalisation for Pregnancy and fertility related treatments.

Non-Allopathic Treatment:
Non-Allopathic Treatment / Hospitalisation.

Hospitalisation in Case of Illnesses
Hospitalisation for any mental illness or psychiatric illness.