Future Generali Health Total Policy

• 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**

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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.

Eligibility for Future Generali Health Total

The eligibility criteria for enrolling in Future Generali Health Total can be given as follows:

• There is no minimum or maximum entry age limit for enrolling in this policy.
• Unmarried/unemployed beneficiaries can be covered as dependents till the age of 25 years.
• Up to 15 members can be covered in the same policy on a family floater basis.
• This policy can be taken for self, spouse, children, parents, siblings, parents-in-law, grandparents, grandchildren, etc.

Features of Future Generali Health Total

Some of the notable features of Future Generali Health Total can be listed as follows:

• This policy comes in three different plan types based on the sum insured amount chosen. These plans are vital, superior, and premiere.
• The vital plan has 3 different sum insured options - Rs.3 lakh, Rs.5 lakh, and Rs.10 lakh. The superior plan has 3 different sum insured options - Rs.15 lakh, Rs.20 lakh, and Rs.25 lakh. The premiere plan comes in 2 different options - Rs.50 lakh and Rs.1 crore.
• Under the vital plan, pre-policy medical examination is required for people over the age of 50 years. Superior and premiere plans require medical examination from the age of 18 years onwards.
• For those requiring medical tests, the company will reimburse 100% of the charges upon acceptance of the policy.
• Health Total is available in 1, 2, or 3-year policy terms. Customers can avail long-term discount of 7.5% and 10% on premiums for 2 years and 3 years respectively.
• Customers can also avail premium discount by choosing voluntary deductible option. A maximum discount of 25% is available under the premiere plan for voluntary deductible of Rs.5 lakh.
• A family discount of 10% is available if more than one member of a family is enrolled in the same policy cover.
• The premium amount can be paid on a monthly, quarterly, or half-yearly basis. However, premium loading up to 5% is applicable for this.
• For customers entering the policy after 60 years of age, a mandatory co-payment (20% to 45%) is applicable for each and every claim.
• There is a compulsory waiting period of 2 years applicable for all pre-existing diseases.
• There is a general waiting period of 30 days from the date of inception of the policy cover. This waiting period does not apply for accidental hospitalisation.
• Pre hospitalisation expenses are covered for up to 60 days prior to date of admission in a hospital.
• Coverage for post hospitalisation medical expenses vary from 90 days to 180 days based on the plan type chosen.
• Tax relief is offered for the premium amount as per Section 80D of the Income Tax Act.

Benefits of Future Generali Health Total

The benefits available under Future Generali Health Total can be given as follows:

Exclusions of Future Generali Health Total

Some of the key exclusions of Future Generali Health Total can be listed as follows:

• Cost of routine health checkup
• Expenses related to diagnosis, X-ray, and laboratory examinations
• Intentional self-injuries or injuries related to suicide attempt
• Claims attributable to war or warlike activities
• Cosmetic or aesthetic treatments of all kinds
• Expenses related to weight management or obesity treatment
• Claims related to alcohol or drug abuse
• Cost of external medical accessories like crutches, spectacles, contact lenses, hearing aids, etc.
• Any kind of experimental or unproven treatment methods
• Congenital diseases, birth defects, anomalies, etc.
• Any non-medical expenses incurred during the time of hospital stay

Claim Procedure

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.