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  • Future Generali Health Insurance

    Health Insurance
    • Premiums as low as Rs12/day for coverage of Rs.4 Lakhs*
    • 10,000+ hospitals for cashless treatment
    • Claim up to Rs. 55,000 deduction under section 80D**

    Future Generali is one of the major general insurance companies in India that offers insurance service in various domains such as health, travel, vehicle, accident, lifestyle, etc. In the health insurance domain, the company offers a diverse range of plans that focus primarily on meeting the requirements of customers. With an easy claim process and a friendly customer service, Future Generali has what it takes to become one of the top players in the health insurance industry.

    The company was formed as a joint venture between India’s retail giant Future Group and Italy’s insurance services major Generali Group. Future Group is renowned for operating various major retail chains such as big bazaar, e-zone, food bazaar, etc. The company also has presence in various other industries including logistics, supply chain, and brand development. Generali group, on the other hand, is one of the leading insurers in the world with presence in over 60 countries. The company has a strong global workforce and a significant experience in the insurance industry.

     

    Features & Benefits of Future Generali Health Insurance

    Future Generali Health Insurance aims to secure individuals and families against various unforeseen medical expenses. Health insurance products available under Future Generali provides coverage for the whole family irrespective of the age of family members. There are specific plans for people with specific requirements. Some of the key features and benefits of Future Generali Health Insurance are listed here.

    • Flexible sum assured: All the diverse plans offered by Future Generali come with flexible sum assured options. For instance, the company’s comprehensive medical insurance policy (Health Total) offers sum assured options ranging from Rs.3 lakh to Rs.1 crore.
    • Extensive coverage: One of the highlights of Future Generali is the extensive coverage offered under certain plans. The company’s comprehensive health insurance plan has the option of covering up to 15 family members under the same cover.
    • Automatic restoration of sum insured: Once the sum insured amount is exhausted following a claim, it will get restored automatically up to 100% within a particular policy term. This is plan specific, and it is not available for all plans.
    • Voluntary deductible facility: Deductible refers to the amount of money you are willing to spend out of your pocket before the insurance kicks in. Based on the deductible amount opted, it is possible to get discounts ranging from 10% to 25% on premium charges.
    • Instalment payment facility: For certain policies with long-term options, Future Generali offers instalment payment facility on a monthly, quarterly, or half-yearly basis. This instalment option comes with 5% loading charges over the standing premium rate.
    • Network hospitals: Future Generali has an extensive network of hospitals in which policyholders can avail cashless treatment facility.
    • Add-on covers: If the benefits offered under a regular cover is not sufficient, there are plenty of add-on covers to take. Some of the add-on covers include road ambulance charges, alternative treatment cover, patient care, e-opinion for an illness or injury, wellness care, etc.
    • Income tax relief: The amount paid as premium towards Future Generali Health Insurance is eligible for income tax relief as per section 80D of the Income Tax Act.

    Plans Provided by Future Generali Health Insurance

    Future Generali offers a range of health insurance plans for people with varied insurance requirements. The following health insurance plans are offered by the company for its customers.

    Plan Plan Basis (individual, family, etc.) Sum Insured (Min and Max) Policy Term
    Comprehensive Plan (Health Total) Individual and Family Min: Rs.3 lakh Max: Rs.1 crore 1, 2, and 3
    Health Suraksha Individual and Family Min: Rs.50,000 Max: Rs.10 lakh 1
    Accident Suraksha Individual and Family Based on the monthly income of the insured 1
    Criticare Individual and Family Min: Rs.1 lakh Max: Rs.50 lakh 1
    Hospicash Individual and Family Up to Rs.3,000 per day under a single policy 1
    Health Surplus Individual and Family Min: Rs.3 lakh Max: Rs.10 lakh 1

    Health Total

    Health Total is a comprehensive insurance plan offered by Future Generali. It is available for both individuals as well as families. Under the family floater option, extensive coverage is offered for up to 15 family members including dependent parents, grandparents, and in laws. Based on the sum insured amount chosen, this policy is available in three different plans namely Vital, Superior, and Premiere.

    Unique Features of Health Total

    • Great flexibility in sum insured options
    • Flexible policy term from 1 to 3 years
    • Maternity benefits with just two years of waiting period
    • Newborn baby cover available under Superior and Premiere plans

    Plan Details

    Entry age From day one of birth; no maximum limit
    Policy term 1 to 3 years
    Sum insured range Rs.3 lakh to Rs.1 crore
    Premium discounts 10% discount if more than one person in a family is covered under individual plans 10% discount for upfront premium payment in long-term policies Floater discount available as per the age of family members
    Policy renewal Lifelong renewal option
    Copayment Mandatory copayment required for policyholders who are over 60 years of age
    Waiting period 30 days initial waiting period 2 years for pre-existing diseases 50% coverage is offered for pre-existing diseases from the third year. 100% coverage is offered for pre-existing diseases from the fourth year.
    Cumulative bonus 50% bonus for every claim-free year subject to a maximum of 100%
    Maternity expenses Available with a 2-year waiting period provided both husband and wife are covered together
    Newborn baby cover Coverage available for newborn babies from day one under Superior and Premiere plans
    Accidental hospitalisation 25% increase in sum insured amount subject to a maximum of Rs.10 lakh
    Pre-acceptance medical examination Pre-acceptance medical screening is required for people with entry age about 50 years
    Voluntary deductible option Policyholders can choose voluntary deductible and get discounts on premium amount

    Health Suraksha

    Health Suraksha is a limited coverage plan by Future Generali specifically developed for the middle-class population of the country. This policy is available in both individual as well as family floater variants. This is a great health insurance plan to protect oneself from unforeseen illnesses and ailments. The terms associated with this policy are quite flexible, and it comes with multiple coverage options.

    Unique Features of Health Suraksha

    • Multiple sum insured options based on one’s requirement and affordability
    • Family discount of 10% if more than one person from a family is covered
    • Enhanced sum insured for accidental hospitalisation
    • Allowance for the expenses of the accompanying person

    Plan Details

    Entry age 18 years to 70 years for adults 3 months to 25 years for children (provided both parents are covered)
    Policy term 1 year
    Sum insured range Rs.50,000 to Rs.10 lakh Maximum sum insured limited to Rs.5 lakh for people above 55 years of age
    Premium discount 10% discount on premium if more than one family member is enrolled in individual policies
    Policy renewal Lifetime renewability option
    Pre-acceptance medical test Required for people with entry age 46 years and above
    Waiting period 30 days of general waiting period 4 years of continuous coverage for pre-existing diseases
    Accompanying person’s expenses Up to Rs.500 per day
    Ambulance charges Up to Rs.1,500 per day
    Pre-hospitalisation expenses Up to 60 days prior to the date of hospitalisation
    Post-hospitalisation expenses Up to 90 days after discharge from the hospital
    Free health checkup Available at the empanelled diagnostic centers after four claim-free years

    Accident Suraksha

    Accident Suraksha is a personal accident cover provided by Future Generali. This cover helps protect the insured person or family members following an unfortunate accident. This policy does not provide coverage for the medical expenses or hospitalisation expenses incurred by the insured. Rather, it provides compensation against temporary or permanent total disability of a person following an accident. As a personal accident cover, this cover provides financial security against the aftermath of an unfortunate accident.

    Unique Features of Accident Suraksha

    • Sum insured based on the monthly income of the policyholder
    • Coverage available for death, permanent total disablement, permanent partial disablement, and temporary partial disablement
    • No medical examination required
    • Coverage available for injuries or death related to terrorism
    • Repatriation benefit available

    Plan Details

    Entry Age 18 years to 70 years for adults 5 years to 25 years for children provided the parents are covered
    Policy term 1 year
    Sum insured Variable; based on the monthly income of the policyholder
    Premium discount 10% discount if more than one family member is covered under this policy
    Policy renewal Lifetime renewability option
    Loan protector Lump sum amount as per the schedule will be paid
    Hospital cash allowance Allowance for daily cash expenses following accidental injuries
    Repatriation benefit 1% of the sum insured subject to a maximum of Rs.12,500
    Adaptation allowance Against permanent total disablement, 10% of the sum insured (max. Rs.50,000) will be provided for modification of house or vehicle.
    Family transportation allowance Transportation allowance offered for the travel expenses incurred by the immediate family member of the insured.

    Future Criticare

    Future Criticare is a critical illness cover offered by Future Generali. This cover protects the insured against a range of critical illnesses. Following the first diagnosis of any of the critical illnesses mentioned in the policy document, a lump sum benefit will be provided to the insured. With the coverage amount, the insured can protect themselves against various medical expenses and life expenses. This policy is available on an individual basis and family floater basis. This cover can provide the extra protection in addition to a regular medical policy.

    Unique Features of Future Criticare

    • Flexible sum insured option based on the requirement and affordability of the insured
    • No medical examination is required for people with entry age up to 45 years
    • Up to 50% of medical examination costs are covered for people over 45 years of age
    • About 12 critical illnesses are covered

    Plan Details

    Entry Age 18 years to 65 years for adults 6 years to 25 years of children provided parents are covered
    Policy term 1 years
    Sum insured options Rs.1 lakh to Rs.50 lakh (Entry age 18 years to 45 years) Rs.1 lakh to Rs.20 lakh (Entry age 46 years to 65 years)
    Premium discount Family floater discount up to 50% based on the age of the insured
    Policy renewal Lifetime renewability option
    Waiting period General waiting period of 90 days from the date of commencement of the policy
    Survival period 28 days from the date of diagnosis of the procedure
    Diseases covered Cancer, kidney failure, primary pulmonary arterial hypertension, liver failure, and multiple sclerosis
    Surgical procedures Major organ or bone marrow transplant, coronary artery bypass graft, and aorta graft surgery
    First time occurrences covered Stroke, heart attack, coma, and total blindness

    Future Hospicash

    Health insurance plans are primarily used to take care of the actual medical expenses incurred by a patient. However, hospitalisation typically involves a lot of other expenses in addition to the actual medical expenses. Future Hospicash by Future Generali is designed to take care of that needs. This cover provides daily cash allowance following the hospitalisation of the insured. With this cover, you can protect your savings during the time of emergency hospitalisation.

    Unique Features of Future Hospicash

    • Maximum benefit of Rs.3,000 per day under a single policy
    • Multiple policies can be taken wherein the maximum benefit does not exceed Rs.6,000 per day
    • Intensive care unit (ICU) benefits available

    Plan Details

    Entry age 18 years to 65 years for adults 6 years to 25 years for children provided parents are covered
    Policy term 1 years
    Sum insured Up to Rs.3,000 per day under a single policy
    Premium discount Family floater discount up to 50% available
    Policy renewal Lifetime renewability option
    Pre-acceptance medical examination Not required for entry age up to 55 years. For people over 55 years, 50% of the medical examination costs are reimbursed.
    ICU benefit Available for a maximum of 10 days for each hospitalisation subject to a maximum of 20 days per policy period
    Pre-existing diseases Covered after 48 months of continuous coverage

    Health Surplus

    Health Surplus is a top-up insurance plan provided by Future Generali. This policy can be a valuable addition to an existing health insurance plan. When the medical expenses of the insured person goes beyond the coverage limit, this top-up policy will be beneficial. This policy cover is ideal for people who look for extra protection in their health insurance plans. Getting a top up plan is one of the best ways to get high sum insured for a low premium charge.

    Unique Features of Health Surplus

    • Flexible deductible options and sum insured options
    • Coverage for hospitalisation expenses and other inpatient expenses
    • High sum insured option for low premiums

    Plan Details

    Entry age 18 years to 65 years for adults 6 years to 25 years for children provided parents are covered
    Policy term 1 year
    Sum insured Rs.3 lakh to Rs.10 lakh
    Deductible Rs.2 lakh to Rs.5 lakh
    Premium discount Available for family floater options
    Pre-acceptance medical examination Not required for entry age up to 55 years For people over 55 years, 50% of the medical examination costs are reimbursed
    Pre-hospitalisation medical expenses Up to 60 days prior to the date of hospitalisation
    Post-hospitalisation medical expenses Up to 90 days after discharge from hospital

    Checklist before Buying Future Generali Health Insurance

    • Compare the plans offered by the insurer and choose the appropriate sum insured you need
    • Finalize the coverage amount
    • Read the policy brochure to check the exclusions
    • Read about the waiting period for specific conditions
    • Keep all documents ready

    Documents Required to Buy Future Generali Health Insurance

    • Identity proof
    • Address proof
    • Aadhar number
    • Medical certificates (if applicable)
    • Free look period: All policies come with a free look period of 15 days
    • Easy portability options from other insurers
    • Quick turnaround time: 90 minutes for cashless claims and 14 days maximum for reimbursementReasons to Choose Future Generali Health Insurance
    • Maternity and newborn baby cover under regular insurance plan
    • Floater benefit in all insurance policies
    • Different choice of plans (critical illness, hospital cash, personal accident, etc.) under a single brand

    Documents Required for Claim

    While making the claim with the insurance service provider, it is necessary to submit the following documents.

    • Claim form
    • Medical bills
    • Death certificate (if applicable)
    • Physician’s certificate regarding diagnosis
    • Other relevant bills and documents

    You can contact the company’s customer service to know the list of documents required for the claim.

    Claim Procedure

    The claim procedure for Future Generali Health Insurance is simple. The company operates a customer service department to clarify the doubts of customers. Any queries related to claims can be raised to the claims department of the company. For cashless treatments, the company must be contacted ahead for planned hospitalisation. For emergency hospitalisation, the insurer must be notified within 24 hours of hospitalisation. The identity card and other relevant proofs provided during the time of sign up can be used for cashless treatments.

    For reimbursement claims, it is necessary to provide all the above mentioned documents along with the claim form. Once the documents are submitted, the company will verify the nature of the claim. Compensation amount will be provided to the insured after this verification process. It takes a maximum of 14 days to receive the reimbursement amount.

    Future Generali Health Insurance Reviews