Future Generali Health Total is a policy designed to ensure complete protection of the insured against various unexpected health issues. This policy is a comprehensive health cover that offers multiple benefits for policyholders. This is a family floater cover that provides coverage even for some of the extended family relationships including in-laws and grandparents. One of the notable attributes of this health cover is that there is no maximum entry age for policyholders. With features like sum insured restoration and vaccination benefits, Health Total provides a well-rounded protection for people of all ages.
The eligibility criteria for enrolling in Future Generali Health Total can be given as follows:
Some of the notable features of Future Generali Health Total can be listed as follows:
The benefits available under Future Generali Health Total can be given as follows:
|Benefits||Extent of Coverage|
|Inpatient hospitalisation expenses||Covered up to the sum insured limit|
|Day care treatment||Covered for all procedures|
|Sum insured restoration||100% restoration of sum insured amount (once) after exhaustion due to a claim|
|Cumulative bonus||50% of the sum insured per claim-free year subject to a maximum of 100% of the sum insured amount|
|Maternity benefit (after a waiting period of 2 years)||Normal delivery - Rs.15,000 to Rs.50,000 based on the sum insured amount chosen Caesarean delivery - Rs.25,000 to Rs.1 lakh based on the sum insured amount chosen|
|Newborn baby cover||Available in superior and premiere plans|
|Organ donor cover||Available under all plans|
|Child vaccination benefits||Up to Rs.5,000 available for children less than 12 years of age (premiere plan)|
|Patient care benefit for insured above 60 years of age||Rs.350 per day to Rs.1,000 per day based on the sum insured amount chosen|
|Road ambulance coverage||Maximum Rs.1,500 under vital plan Actual expenses under superior and premier plan|
|E-opinion for illness or injury||Up to 2 available per policy year|
Some of the key exclusions of Future Generali Health Total can be listed as follows:
For planned hospitalisation, the insurer must be notified 48 hours ahead of admission. Emergency hospitalisation can be intimated within 48 hours after admission in a hospital. The claim process begins after intimation to the insurer about the claim.
The company’s network hospitals provide cashless treatment facility after receiving authorisation. The insured can send the authorisation request from the hospital through fax along with the policy details. Once the authorisation is obtained, the hospital send the bills directly to the insurer for claim settlement.
For reimbursement claims, the insured must submit various documents after discharge from the hospital. These documents include medical bills, diagnostic reports, discharge summary, prescriptions, physician certificate, etc. Following the submission of all the documents, the company will verify the request and provide the settlement amount for all valid claims.
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