The Generali Group has been a leading provider of

insurance and financial services in the global market

everything, everywhere, every time, to every Indian
consumer in the most profitable manner. The group
Future Hospicash
for nearly two centuries. Generali is a name that has considers ‘Indianness’ its core value and its corporate
become synonymous with security and reliability for credo is – ‘Rewrite Rules, Retain Values’.
millions of clients around the world.
Future Generali is the coming together of these two caring Why worry about hospital bills when we are here?
The Future Group understands what makes you different
and offers you services and products that exceed your
entities. We offer an extensive range of general insurance
products, and a network that ensures we are close to you
A plan that pays a fixed benefit for each day of your hospitalisation.
expectations. With more than seventeen million square wherever you go. Our skilled and trained individuals
feet of retail space and a presence across the country in understand your insurance needs and will create
different formats, the Future Group’s vision is to deliver customised solutions for you.

Future Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India
Insurance Company Limited.

Future Generali India Insurance Company Limited (IRDA

IRDA Regn. No.: 132) (CIN: U66030MH2006PLC165287)
Claims Department
Regd. and Corp. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone,
Future Generali Health (FGH)
Mumbai - 400013.
Future Generali India Insurance Co. Ltd. Fax: 022-4097 6900, Email: [email protected]
Office No. 3, 3rd Floor, “A” Building , G - O - Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, ARN: FFG-NL/PD/MKTG/EN/FH-001BR
NL/PD/MKTG/EN/FH-001BR
Disclaimer: UIN: IRDA/NL
IRDA/N - HLT/FGII/P-H
HLT/FGII/P-H/ V.I/75/13-14
/75/13-14
Pune - 411 057.
The above information is only indicative in nature. For details of ISO Ref. N
No.:
.: FGH/UW/RET/56/01
the coverage & exclusions please contact our nearest office.
Toll Free Number: 1800 103 8889
Disclaimer: For detailed information on this product, terms and conditions etc., please refer to the product brochure,
Toll Free Fax: 1800 103 9998
For any claims related enquires please contact us at the following
address. Email: [email protected]
consult your advisor or visit our website before concluding a sale. Tax Benefits are subject to change due to change in tax Call us at: 1800-220-233, 1860-500-3333,
laws. Insurance is the subject matter of solicitation.
022-6783 7800
For product enquiries: SMS PRODUCT to 9222211100
Website: www.futuregenerali.in

4 back cover
 Eligibility Criteria:
What is Future Hospicash? 12. Premium paid is exempt under the section 80 D of Income Tax. 180 days
Future Hospicash is a cover that provides cash benefit in case 13. Portability can be offered as per the Portability guidelines Plan Income criteria *Maximum benefit available for an individual, is 6 months -
from a similar Hospital Cash Policy. Plan A and Plan B Not applicable ` 6000/- per day. 25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
an insured gets hospitalised. It is specifically designed to take care
of the incidental expenses in case of hospitalization. 14. There will be no loading on premium for adverse claims Plan C Monthly income above ` 50000/- A person can buy Hospital Cash policies, wherein the per day benefit ` 500/day 318 477 636 875 1114 1193 1352 1670 1989 1989
Future Hospicash policy guards you and your family against experience in our individual Hospicash policy. Plan D Monthly income above ` 75000/- will not exceed ` 6000/- per day under a single or multiple Hospital ` 1000/day 591 887 1182 1625 2069 2216 2512 3103 3694 3694
the trauma you face because of increased financial burden during 15. The brochure / prospectus mentions the premium rates as per cash policies. If the per day benefits put together for all these
Multiple policies where per day Eligibility-125 percent of the insured’s
hospitalization. the age slabs / sum insured for the completed age at every daily income. policies exceed ` 6000/-, he will not be eligible to buy any additional ` 2000/day 1137 1705 2273 3126 3979 4263 4831 5968 7105 7105
benefit exceeds ` 3000/-
Future Hospicash provides you with fixed benefit for each day renewal and are subject to revision as and when approved by ( all policies put together )* policy. ` 3000/day 1682 2524 3365 4627 5889 6309 7150 8833 10515 10515
of hospitalization irrespective of the actual medical cost. Thus, the regulator. However such revised premiums would be
provides you with additional protection at all times. applicable only from subsequent renewals and with due This brochure mentions the premiums as per the age slabs/ per day benefit and the same would be charged as per the completed age at every
notice whenever implemented renewal. The premiums as shown in the brochure are subject to revision as and when approved by the regulator. However such revised premiums
Individual Premium Table: Premium rates are exclusive of Service tax would be applicable only from subsequent renewals and with due notice whenever implemented.
Salient features of Future Hospicash Free Look Period 30 days
1. You can claim for each day of hospitalization as per your plan. 1. The insured will be allowed a period of at least 15 days from 6 months - Family Floater Premium: FMR: Full Medical report by MD Physician
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
2. ICU benefit available for maximum period of 10 days for each the date of receipt of the policy to review the terms and Note: For Family floater Policy, the number of the days of ECG: Electrocardiogram report by MD Physician
hospitalization and maximum 20 days during the policy period. conditions of the policy and to return the same if not acceptable ` 500/day 261 391 521 717 912 977 1108 1368 1629 1629 hospitalization, chosen as per the Plan will float over the members Lab 1: includes Fasting Blood sugar, Post Prandial Blood sugar,
3. The per day benefit will be 2 times when hospitalised in an 2. If the insured has not made any claim during the free look ` 1000/day 486 728 971 1336 1700 1821 2064 2550 3035 3035
of the Floater policy. Complete Blood Count (incl Diff), Serum Cholesterol, Serum
ICU in the home city i.e. within the city of residence. period, the insured shall be entitled to a refund as given in the Premium of Self -Premium calculation as per highest age of the Creatinine, Urinalysis (chemical &microscopic)
policy terms and conditions. ` 2000/day 936 1403 1871 2573 3275 3509 3976 4912 5848 5848 family member.
4. The per day benefit will be 3 times when hospitalised in an This policy is also offered on groups, for details kindly contact
ICU outside the home city i.e. outside the city of residence. ` 3000/day 1386 2078 2771 3810 4850 5196 5889 7274 8660 8660 Premium of Spouse – 50 % of Self premium branch office.
5. Additional convalescence benefit of ` 5000 for hospitalization Plan Benefits Premium of Child - 25 % of Self premium
Plans A, B, C, D can be offered for different options 30 days /
of more than 10 days; payable only once per hospitalization event.
60 days / 90 days / 180 days
Claims Procedure:
6. The product is offered from 6 months to 65 years and 60 days Pre - Policy Medical Checkup: A simple claims process, which includes submission of
renewable lifelong. Benefits Plans
6 months - following documents – Photocopy of the discharge card and
A B C D 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs In case of any pre- policy check up required as per the company
Max Policy Term 1 year 25 yrs Hospital Bill / receipt.
(in ` ) (in ` ) (in ` ) (in ` ) guidelines then the below mentioned grid is to be followed. The
Min Age at entry 6 months Daily Hospitalisation benefit ` 500/day 287 430 573 788 1004 1075 1219 1505 1792 1792 medical tests would be conducted at our empanelled Network
due to sickness 500 1000 2000 3000
Max Age at entry 65 years ` 1000/day 534 801 1068 1469 1870 2003 2270 2805 3339 3339 diagnostic centers. Validity of these reports shall be 1 month. 50% General Exclusions (indicative):
ICU benefit in home city of costs of medical tests as detailed above will be reimbursed to you
1000 2000 4000 6000
residence. (max. 10 days)
` 2000/day 1029 1544 2058 2830 3602 3859 4374 5403 6432 6432
1. Pre-existing diseases will be covered after a waiting period of
Renewal Lifelong if the Proposal is accepted by us (subject to realization of
ICU benefit in other than home 48 months.
1500 3000 6000 9000 ` 3000/day premium cheque).
7. The policy can be on individual Sum Insured basis or on family city of residence (max. 10 days) 1524 2286 3048 4191 5335 5716 6478 8002 9526 9526 2. Waiting period of 24 months for certain diseases like benign
floater basis, covering Self, Spouse, and two dependent Convalescence benefit for 30/60/90/ 6 months - 36-45 46 -55 56 -60 61-65 prostatic hypertrophy, hernia of all types, hydrocele etc.
children (upto 25 yrs). hospitalisation exceeding 5000 180 days 35 yrs years years years years 3. Hospitalization for cosmetic treatments, plastic surgery,
consecutive 10 days refractive error corrective procedures, experimental,
8. For Individual as well as Family floater plan only one
90 days Plan A NA NA NA NA NA investigational or unproven procedures or treatments.
hospitalization benefit plan across all members needs to be *Home city would mean within the municipal corporation limits of
selected. city of residence. Other than Home city would mean outside the
6 months - 4. Hospitalization for General debility, ‘Run-down’ condition or
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
municipal corporation limits of city of residence. Plan B NA NA NA NA NA rest cure, sexually transmitted disease, intentional self-injury.
9. No medical tests required for clean proposal except for plan C ` 500/day 301 452 602 828 1054 1129 1279 1581 1882 1882 5. Hospitalization for Pregnancy and fertility related treatments.
and D where insured is above 55yrs of age. For Mumbai Home city would include Thane and Panvel, for Delhi
` 1000/day
FMR, FMR, 6. Non-Allopathic Treatment / Hospitalization.
10. Continuity would be offered from similar Hospital cash policy Home city would also include National Capital Region ( NCR ) 561 841 1122 1543 1963 2103 2384 2945 3506 3506 Plan C NA NA NA ECG ECG 7. Hospitalization for any mental illness or psychiatric illness.
*Please note the Cities/Towns that fall under respective Zones shall Lab 1 Lab 1
with the same per day benefit amount. ` 2000/day 1081 1621 2161 2972 3782 4052 4593 5673 6754 6754 8. Any hospitalization outside India.
be identified as per the updated /latest Jurisdiction defined by FMR, FMR,
11. Continuity would be offered from similar Hospital cash policy ` 3000/day Plan D NA NA NA ECG ECG
Government. 1600 2401 3201 4401 5601 6001 6802 8402 10002 10002 Lab 1 Lab 1
with the same per day benefit amount from our Group For more details on the exclusions, please refer to the policy document.
Hospital cash policy to our individual Hospicash policy.

1 2 3
Eligibility Criteria:
Plan Income criteria *Maximum benefit available for an individual, is
Plan A and Plan B Not applicable ` 6000/- per day.
Plan C Monthly income above ` 50000/- A person can buy Hospital Cash policies, wherein the per day benefit
Plan D Monthly income above ` 75000/- will not exceed ` 6000/- per day under a single or multiple Hospital
cash policies. If the per day benefits put together for all these
Multiple policies where per day Eligibility-125 percent of the insured’s
benefit exceeds ` 3000/- daily income. policies exceed ` 6000/-, he will not be eligible to buy any additional
( all policies put together )* policy.

Individual Premium Table: Premium rates are exclusive of Service tax

30 days
6 months -
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
` 500/day 261 391 521 717 912 977 1108 1368 1629 1629

` 1000/day 486 728 971 1336 1700 1821 2064 2550 3035 3035

` 2000/day 936 1403 1871 2573 3275 3509 3976 4912 5848 5848

` 3000/day 1386 2078 2771 3810 4850 5196 5889 7274 8660 8660

60 days
6 months -
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
` 500/day 287 430 573 788 1004 1075 1219 1505 1792 1792
` 1000/day 534 801 1068 1469 1870 2003 2270 2805 3339 3339

` 2000/day 1029 1544 2058 2830 3602 3859 4374 5403 6432 6432
` 3000/day 1524 2286 3048 4191 5335 5716 6478 8002 9526 9526

90 days
6 months -
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
` 500/day 301 452 602 828 1054 1129 1279 1581 1882 1882

` 1000/day 561 841 1122 1543 1963 2103 2384 2945 3506 3506

` 2000/day 1081 1621 2161 2972 3782 4052 4593 5673 6754 6754
` 3000/day 1600 2401 3201 4401 5601 6001 6802 8402 10002 10002
 180 days
6 months -
25 yrs 26-35yrs 36-45yrs 46-55yrs 56-60yrs 61-65yrs 66-70yrs 71-75yrs 76-80yrs Above 80yrs
` 500/day 318 477 636 875 1114 1193 1352 1670 1989 1989

` 1000/day 591 887 1182 1625 2069 2216 2512 3103 3694 3694

` 2000/day 1137 1705 2273 3126 3979 4263 4831 5968 7105 7105

` 3000/day 1682 2524 3365 4627 5889 6309 7150 8833 10515 10515

This brochure mentions the premiums as per the age slabs/ per day benefit and the same would be charged as per the completed age at every
renewal. The premiums as shown in the brochure are subject to revision as and when approved by the regulator. However such revised premiums
would be applicable only from subsequent renewals and with due notice whenever implemented.

Family Floater Premium: FMR: Full Medical report by MD Physician

Note: For Family floater Policy, the number of the days of ECG: Electrocardiogram report by MD Physician
hospitalization, chosen as per the Plan will float over the members Lab 1: includes Fasting Blood sugar, Post Prandial Blood sugar,
of the Floater policy. Complete Blood Count (incl Diff), Serum Cholesterol, Serum
Premium of Self -Premium calculation as per highest age of the Creatinine, Urinalysis (chemical &microscopic)
family member. This policy is also offered on groups, for details kindly contact
Premium of Spouse – 50 % of Self premium branch office.
Premium of Child - 25 % of Self premium
Claims Procedure:
Pre - Policy Medical Checkup: A simple claims process, which includes submission of
following documents – Photocopy of the discharge card and
In case of any pre- policy check up required as per the company
Hospital Bill / receipt.
guidelines then the below mentioned grid is to be followed. The
medical tests would be conducted at our empanelled Network
diagnostic centers. Validity of these reports shall be 1 month. 50% General Exclusions (indicative):
costs of medical tests as detailed above will be reimbursed to you
1. Pre-existing diseases will be covered after a waiting period of
if the Proposal is accepted by us (subject to realization of
48 months.
premium cheque).
2. Waiting period of 24 months for certain diseases like benign
30/60/90/ 6 months - 36-45 46 -55 56 -60 61- 65 prostatic hypertrophy, hernia of all types, hydrocele etc.
180 days 35 yrs years years years years 3. Hospitalization for cosmetic treatments, plastic surgery,
refractive error corrective procedures, experimental,
Plan A NA NA NA NA NA investigational or unproven procedures or treatments.
4. Hospitalization for General debility, ‘Run-down’ condition or
Plan B NA NA NA NA NA rest cure, sexually transmitted disease, intentional self-injury.
5. Hospitalization for Pregnancy and fertility related treatments.
FMR, FMR, 6. Non-Allopathic Treatment / Hospitalization.
Plan C NA NA NA ECG ECG 7. Hospitalization for any mental illness or psychiatric illness.
Lab 1 Lab 1
8. Any hospitalization outside India.
FMR, FMR,
Plan D NA NA NA ECG ECG
Lab 1 Lab 1 For more details on the exclusions, please refer to the policy document.
 The Generali Group has been a leading provider of
insurance and financial services in the global market
everything, everywhere, every time, to every Indian
consumer in the most profitable manner. The group
Future Hospicash
for nearly two centuries. Generali is a name that has considers ‘Indianness’ its core value and its corporate
become synonymous with security and reliability for credo is – ‘Rewrite Rules, Retain Values’.
millions of clients around the world.
Future Generali is the coming together of these two caring Why worry about hospital bills when we are here?
The Future Group understands what makes you different
and offers you services and products that exceed your
entities. We offer an extensive range of general insurance
products, and a network that ensures we are close to you
A plan that pays a fixed benefit for each day of your hospitalisation.
expectations. With more than seventeen million square wherever you go. Our skilled and trained individuals
feet of retail space and a presence across the country in understand your insurance needs and will create
different formats, the Future Group’s vision is to deliver customised solutions for you.

Future Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India
Insurance Company Limited.

Future Generali India Insurance Company Limited (IRDA

IRDA Regn. No.: 132) (CIN: U66030MH2006PLC165287)
Claims Department
Regd. and Corp. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone,
Future Generali Health (FGH)
Mumbai - 400013.
Future Generali India Insurance Co. Ltd. Fax: 022-4097 6900, Email: [email protected]
Office No. 3, 3rd Floor, “A” Building , G - O - Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, ARN: FFG-NL/PD/MKTG/EN/FH-001BR
NL/PD/MKTG/EN/FH-001BR
Disclaimer: UIN: IRDA/NL
IRDA/N - HLT/FGII/P-H
HLT/FGII/P-H/ V.I/75/13-14
/75/13-14
Pune - 411 057.
The above information is only indicative in nature. For details of ISO Ref. N
No.:
.: FGH/UW/RET/54/03
the coverage & exclusions please contact our nearest office.
Toll Free Number: 1800 103 8889 /1800 209 1016
Toll Free Fax: 1800 103 9998 / 1800 209 1017
Disclaimer: For detailed information on this product, terms and conditions etc., please refer to the product policy clause,
For any claims related enquires please contact us at the following
address. Email: [email protected]
consult your advisor or visit our website before concluding a sale. Tax Benefits are subject to change due to change in tax Call us at: 1800-220-233, 1860-500-3333,
laws. Insurance is the subject matter of solicitation.
022-6783 7800
For product enquiries: SMS PRODUCT to 9222211100
Website: www.futuregenerali.in

4 back cover
 The Generali Group has been a leading provider of
insurance and financial services in the global market
everything, everywhere, every time, to every Indian
consumer in the most profitable manner. The group
Future Hospicash
for nearly two centuries. Generali is a name that has considers ‘Indianness’ its core value and its corporate
become synonymous with security and reliability for credo is – ‘Rewrite Rules, Retain Values’.
millions of clients around the world.
Future Generali is the coming together of these two caring Why worry about hospital bills when we are here?
The Future Group understands what makes you different
and offers you services and products that exceed your
entities. We offer an extensive range of general insurance
products, and a network that ensures we are close to you
A plan that pays a fixed benefit for each day of your hospitalisation.
expectations. With more than seventeen million square wherever you go. Our skilled and trained individuals
feet of retail space and a presence across the country in understand your insurance needs and will create
different formats, the Future Group’s vision is to deliver customised solutions for you.

Future Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India
Insurance Company Limited.

Future Generali India Insurance Company Limited (IRDA

IRDA Regn. No.: 132) (CIN: U66030MH2006PLC165287)
Claims Department
Regd. and Corp. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone,
Future Generali Health (FGH)
Mumbai - 400013.
Future Generali India Insurance Co. Ltd. Fax: 022-4097 6900, Email: [email protected]
Office No. 3, 3rd Floor, “A” Building , G - O - Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, ARN: FFG-NL/PD/MKTG/EN/FH-001BR
NL/PD/MKTG/EN/FH-001BR
Disclaimer: UIN: IRDA/NL
IRDA/N - HLT/FGII/P-H
HLT/FGII/P-H/ V.I/75/13-14
/75/13-14
Pune - 411 057.
The above information is only indicative in nature. For details of ISO Ref. N
No.:
.: FGH/UW/RET/54/03
the coverage & exclusions please contact our nearest office.
Toll Free Number: 1800 103 8889 /1800 209 1016
Toll Free Fax: 1800 103 9998 / 1800 209 1017
Disclaimer: For detailed information on this product, terms and conditions etc., please refer to the product policy clause,
For any claims related enquires please contact us at the following
address. Email: [email protected]
consult your advisor or visit our website before concluding a sale. Tax Benefits are subject to change due to change in tax Call us at: 1800-220-233, 1860-500-3333,
laws. Insurance is the subject matter of solicitation.
022-6783 7800
For product enquiries: SMS PRODUCT to 9222211100
Website: www.futuregenerali.in

4 back cover