• Future Generali Health Plans

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    Future Generali is one of India’s most popular General Insurance Providers and provides a wide array of insurance plans in the life insurance, health insurance, travel insurance and term insurance domains, with each plan being designed to offer excellent benefits, features and flexibility. Like many General Insurance providers in India, Future Generali offers different types of Health Plans to meet varied customer requirements.

    Future Generali offers a total of 11 Health Plans. Each of these plans have been structured, keeping in mind various segments of the healthcare sector. Let us take a detailed and comprehensive look at the features and benefits of these health plans offered by Future Generali:

    Benefits of Health Plans offered by Future Generali:

    Health Plans offered by Future Generali come with a host of benefits. Besides providing the fundamental benefit of being covered to combat expensive medical treatments, the plans also give customers an opportunity to choose a plan that will best suit their interests. Let us look at the various benefits of health plans offered by Future Generali:

    • Future Generali’s Health Plans address various areas of the healthcare sector, giving customers the opportunity to pick targeted health plans based on their requirement or convenience.
    • Health Plans offered by Future Generali provide customers with heightened flexibility and customisation, making it easier for customers to get a plan that serves them the best.
    • Future Generali gives policyholders the option to choose from individual plans and family plans – different plans are designed to suit different requirements for both individuals and families.
    • The documentation is simple and easy. Potential customers intending to purchase a policy from Future Generali can do so with ease and convenience – there are no hassles involved whatsoever.
    • Depending on the choice of plan, Future Generali’s plans provide tax benefits under relevant sections of the Income Tax Act – sections 80C and 10D spell out tax benefits that can be received upon purchasing insurance and other policies.
    • Future Generali’s Health Plans significantly reduce cost of treatment for various types of illnesses including critical illnesses that require advanced treatment and are way beyond the affordability bracket.
    • Certain Health Plans offered by Future Generali allow for Free Health check-ups during certain times of the year. We’ll look at the Health Plans in detail a little later.
    • Some insurance plans cover complicated surgical procedures that are extremely impressive, giving customers the much needed benefit of being able to afford the treatment.

    Various types of Health Plans offered by Future Generali

    Let us take a look at the various types of Health Insurance Policies offered by Future Generali:

    The Future Generali Comprehensive Health Plan

    • The Comprehensive Health Plan offers several benefits under a single Health Insurance Plan. Let us look at the salient features of the Future Generali Comprehensive Health Plan:
    • The Future Generali Health Total Plan is mostly a Family Plan that provides the policyholder’s family with a comprehensive health insurance cover.
    • The policy can be classified into three major plans – the Vital Plan, the Premier Plan and the Superior Plan. Each of these plans includes various members of the policyholder’s family.
    • The plan covers a spate of expenses incurred during medical treatment including Hospitalization expenses, Pre and Post Hospitalization Expenses incurred by the policyholder or members of his/her family, Organ donor expenses and expenses of treatments that take place only during the day.
    • The plan also covers maternity costs – hospitalization expenses and treatment costs if any.
    • The plan also covers various other expenses that the policyholder might incur during a medical treatment – both pre hospitalization and post hospitalization. For instance, the plan covers Wellness care, ambulance charges, Alternative treatment charges and more.
    • The Health Total Plan also covers medical tests – however, this is subject to the type of Health Total Plan purchases by the policyholder.

    The Future Generali Future Health Suraksha Individual Plan

    Let us take a look at the salient features of the Future Generali Future Health Suraksha Plan:

    • The Future Health Suraksha Plan Individual Plan is basically an individual plan(covers the policyholder) that offers a string of benefits if the policyholder were to be diagnosed with an illness and needs to be hospitalized.
    • Pre-Hospitalization expenses (60 days before Hospitalization) and Post-Hospitalization (90 days after being released) are covered under the Future Generali Future Health Suraksha Policy. Even Ambulance charges are covered under this policy.
    • Expenses towards patient care – up to Rs. 350 per day, are provided under this policy. Also, expenses for the accompanying person – up to Rs. 500 per day – is also covered.
    • The policyholder can obtain Free Health check-ups under the Future Health Suraksha Policy. The Health Check-ups are subject to certain conditions as defined in the policy document.
    • The policy, like most other Health Plans offered by Future Generali, allows cashless claim settlements. The average turnaround time for cashless settlements is about 90 mins while reimbursement claims might take up to 14 days to be completed.

    The Future Generali Future Health Suraksha Family Plan

    The Future Generali Future Health Suraksha Family Plan is a popular insurance plan that covers the policyholder’s family. Let us take a look at some noteworthy features of the plan:

    • The Future Health Suraksha Family Plan covers healthcare costs both pre-hospitalization and post-hospitalization. The plan covers expenses 60 days pre-hospitalization and 90 days post-hospitalization. As a Family Plan, all covers under the plan are applicable to the policyholder as well as his/her family members (as per the provisions of the policy).
    • The policy also covers additional costs besides covering the costs for the treatment or diagnostic tests (again, depends on specific provisions chosen by the customer at the time of purchasing the policy). These additional costs include Patient expenses of up to Rs. 350 per day and Additional expenses for the accompanying person – up to Rs. 500 per day.
    • The entry age for adults is from 18 years to 70 years and for children, it is 3 months to 25 years. Children can be covered under the Future Health Suraksha policy only if the parent is already covered by the policy.
    • The maximum sum insured is dependent on the entry age of the policyholder or the person who is covered under the policy. After the person covered under the policy crosses the age of 55, the sum insured reduces to Rs. 5 lakh from Rs. 10 lakh sum insured for individuals under the age of 55 years.
    • The policy offers a quick turnaround time for claim settlements. Cashless claims are settled in 90 minutes while reimbursement claims take about 14 days to be settled.

    The Future Generali Accident Suraksha – The Personal Accident Cover

    The Accident Suraksha Policy is a popular policy offered by Future Generali and comes with very important features that are essential in the unfortunate event of the policyholder’s accident. Let us take a look at what the policy has to offer:

    • The plan covers death, disability – disability can include Permanent disability, partial disability or total disability – during the time of an accident.
    • The plan also offers Repatriation benefit that will also cover funeral expenses in the unfortunate and unforeseen event of the policyholder’s death. The Repatriation benefit offered under the policy will be equivalent to 1% of the guaranteed sum insured under the policy. The policyholder’s nominee can make a reimbursement claim in order to obtain the benefit.
    • An adaptation allowance of a maximum of Rs. 50,000 will be provided in the event of the policyholder’s total or permanent disability. The adaptation benefit will come of use if the policyholder or his nominee wishes to modify their home or vehicle.
    • The entry age for the policy is 18 years to 70 years. Children aged between 5 years and 25 years can be covered under the Accident Suraksha Policy as dependents.
    • The maximum insured amount is dependent on the outcome of the accident. The maximum sum insured is mostly based on the individual’s monthly income. Accidental death yields the highest sum insured and can go up to 144 times the monthly income of the individual while disablements can go up to 72 times the monthly income of the individual.
    • The policy covers various other costs including transportation allowance if the individual has been the victim of an accident outside a 100 km radius from his residence, loan protection benefits and more.

    The Future Generali Future Criticare – Critical Illness Plan

    The Critical Illness Plan is a plan that is particularly designed to cover critical illnesses – the plan covers the policyholder in light of the policyholder or his/her family members being diagnosed with a critical illness. The plan comes as quite a necessity, mostly considering the towering costs involved in treatment of critical illnesses. Let us look at some important features of the plan and the various benefits that the policyholder receives upon purchasing this policy:

    • The entry age for the Future Generali Critical Illness Policy is 18 years to 65 years. Children can also be covered under this policy – children between 6 years and 25 years can be covered if the parents are also covered under this policy.
    • The maximum sum insured can range from Rs. 1 Lakh and Rs. 50 Lakh, depending on the terms of the policy. The policy can be customised as per the requirement of the customer and the customer can choose his sum insured during the time of purchase of the policy.
    • Both diagnosis and treatment costs of Critical illnesses are covered under the policy. As for the diagnosis part, illnesses including Cancer, Renal Failure, Liver Failure, Multiple Sclerosis and Pulmonary Arterial Hypertension are covered. Various other conditions including strokes, heart attacks and coma are also covered. In addition to this, surgical costs emanating from conditions relating to organ failures, Bypass surgery and graft surgeries are also covered under the Future Generali Critical Illness (Criticare) Policy.
    • The policyholder can choose to cover himself/herself, along with his/her family, under the Future Generali Criticare Policy. The individual, his/her spouse, and up to two children can be covered under this policy.
    • The policy covers a total of 12 illnesses – the list of illnesses is determined by Future Generali.
    • The policy entails tax benefits that can be claimed by the policyholder under particular sections of the Indian Income Tax Act. Section 80C and Section 10D of the Income Tax Act spell out tax benefits that can be earned upon purchasing particular insurance policies.

    The Future Generali Future Health Suraksha Family Plan

    • The Future Generali Future Health Suraksha Family Plan is a popular insurance plan that covers the policyholder’s family. Let us take a look at some noteworthy features of the plan:
    • The Future Health Suraksha Family Plan covers healthcare costs both pre-hospitalization and post-hospitalization. The plan covers expenses 60 days pre-hospitalization and 90 days post-hospitalization. As a Family Plan, all covers under the plan are applicable to the policyholder as well as his/her family members (as per the provisions of the policy).
    • The policy also covers additional costs besides covering the costs for the treatment or diagnostic tests (again, depends on specific provisions chosen by the customer at the time of purchasing the policy). These additional costs include Patient expenses of up to Rs. 350 per day and Additional expenses for the accompanying person – up to Rs. 500 per day.
    • The entry age for adults is from 18 years to 70 years and for children, it is 3 months to 25 years. Children can be covered under the Future Health Suraksha policy only if the parent is already covered by the policy.
    • The maximum sum insured is dependent on the entry age of the policyholder or the person who is covered under the policy. After the person covered under the policy crosses the age of 55, the sum insured reduces to Rs. 5 lakh from Rs. 10 lakh sum insured for individuals under the age of 55 years.
    • The policy offers a quick turnaround time for claim settlements. Cashless claims are settled in 90 minutes while reimbursement claims take about 14 days to be settled.

    The Future Generali Health Surplus Plan

    The Future Generali Health Surplus Plan is basically a Top-up Plan that comes with added benefits and is most appropriate when purchased along with another dedicated Health plan. Let us take a look at the plan’s salient features and benefits:

    • The plan basically provides added benefits and protection including post-hospitalization benefits such as purchase of expensive medicines, diagnostic tests, etc.
    • The plan also covers hospitalization expenses if the individual or his/her family member is hospitalized.
    • The entry age for adults under this policy is 18 years to 65 years. Also, children between the age of 3 months and 25 years can also be covered under the policy if the parent is already covered.
    • The policy offers much needed flexibility to the policyholder and other benefits including floater benefits, quick turnaround times, etc.

    The Future Generali Hospital Cash Plan

    The Hospital Cash Plan is another type of add on policy that can be used to complement an already purchased health plan from Future Generali. Here are some noteworthy features of the Hospital Cash Plan:

    • The plan provides specific ICU benefits and covers ICU expenses in the event of serious health complications faced by the individual covered under the policy.
    • The plan offers floater benefits, quick turnaround times in claim settlements, and other benefits including convalescence benefits and extended covers for expenses incurred during medical diagnostic tests.

    Details of health insurance plans offered by Future Generali: Plan Table

      Plan Name   Entry Age
      The Future Health Total   18 years to 50 years
    The Future Generali Future Health Suraksha Individual Plan 18 years to 60 years
    The Future Generali Future Health Suraksha Family Plan 18 years to 60 years
    Future Generali Personal Accident Suraksha 18 years to 60 years
    Future Generali Critical Illness Plan 18 years to 65 years.

    Why one needs to choose a health care plan from Future Generali?

    Health Insurance is a very important insurance product that covers illnesses - critical, moderate and minor illnesses, hospitalization and diagnostic charges, and other related areas such as ambulance charges and more. If you are deciding on purchasing a health insurance product, here is why you should choose a health insurance product from Future Generali:

    • Future Generali Health Insurance products address several areas of diagnostic care and treatment. Right from critical illnesses such as cancer to lifestyle diseases, there are products that cover an array of health related concerns.
    • There are several options to choose from - certain products also provide policyholders with preventative care options like medical tests and more.
    • Certain health plans from Future Generali also cover dental treatments and injuries sustained to other parts of the body by way of accidents.
    • Future Generali has 5 health plans to choose from, giving customers the opportunity to choose a plan that suits them best.
    • The Hospital Cash Plan in particular provides the policyholder and his/her family with monetary resources to tend to the sick person.

    If you wish to apply for a health plan from Future Generali, you can visit the official website and fill out the online application form.

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