Future Generali Health Insurance - Compare plans & reviews

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

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

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

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

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

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

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.