General insurer Future Generali has a range of health insurance plans suitable for both individuals and families. Future Health Suraksha (Family) is a family floater variant of the policy of the same name. The features and benefits of this policy is similar to that of the individual variant. However, this policy can be used to cover an entire family under a single cover. This is a comprehensive health insurance plan that provides protection against various unforeseen medical threats.
The eligibility criteria that must be met by potential policyholders of Future Generali Future Health Suraksha (Family) can be listed as follows:
Some of the notable features of Future Generali Future Health Suraksha (Family) can be listed as follows:
The benefits of Future Generali Future Health Suraksha (Family) can be given as follows:
|Benefits||Extent of Coverage|
|Inpatient hospitalisation||Covered up to the sum insured limit|
|Day care treatment||Coverage for up to 130 procedures|
|Ambulance charges||Available for actual expenses (max. Rs.1,500 per hospitalisation)|
|Cumulative bonus||10% per claim-free year subject to a maximum of 50% of the sum insured amount|
|Patient care expenses||Rs.350 per day for policyholders over 60 years of age|
|Coverage for accompanying person expenses||Rs.500 per day|
|Daily hospital cash||Available under the platinum plan|
|Free medical checkup||Available after ever 4 claim-free years|
|Sub limit for cataract surgery||10% of the sum insured amount subject to a maximum of Rs.50,000 per eye|
Some of the key exclusions of this policy can be listed as follows:
The company’s in-house claim settlement team focuses on managing the claims raised by policyholders. According to the company, the average time for cashless treatment approval is just 90 minutes. Once the policy details and authorisation request are sent from the hospital, the company will process the request and issue the authorisation for cashless treatment.
Reimbursement claims can be filed after discharge from the hospital. The company will require various documents like medical bills, physician certificate, discharge summary, diagnostic reports, prescriptions, pharmacy bills, etc. to process the claim. Once the documents are submitted, the company will process the request and communicate the acceptance or rejection of a claim. If rejected, a reason will be provided for the rejection. Following the acceptance of the claim, the company provide the reimbursement amount to the insured.
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