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Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited is a standard Retail Health Product with wider coverage for the whole family. The product is available with individual and floater option and with Lifelong renewability
Policy can be availed for Self and the following family members
Legally wedded spouse
Parents and Parents-in-law
Dependent Children (i.e. naturally or legally adopted) between age 3 months to 25 years. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
Sum insured options available in the product are - ₹ 50000, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs, 8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs.
Policy Term: 1 Year
No pre-insurance medical examination test is required if the Insured is up to 55 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form
Mandatory Pre-insurance medical examination if the Insured is 56 years and above.
Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance
Room Rent, Boarding, Nursing Expenses as provided by the Hospital / Nursing Home up to 2% of the sum insured subject to maximum of Rs. 5000/-, per day.
Intensive Care Unit (ICU) / Intensive Cardiac Care Unit (ICCU) expenses up to 5% of sum insured subject to maximum of Rs, 10,000/- per day.
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees whether paid directly to the treating doctor / surgeon or to the hospital.
Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines and drugs, costs towards diagnostics, diagnostic imaging modalities and such similar other expenses.
For a period of 30 days prior to the date of admissible hospitalization covered under the policy.
For a period of 60 days from the date of discharge from the Hospital, following an admissible hospitalization covered under the policy.
Up to 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per eye in a policy year.
Treatment with help Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
Up to 50% of the Sum Insured for the listed methods
Expenses incurred on road Ambulance subject to a maximum of Rs. 2000/- per hospitalization.
Family discount will be applicable in case more than 1 member is covered under single proposal with Individual sum insureds.
Increase in sum insured by 5% in respect of each claim free year subject to a maximum of 50% of SI. In the event of claim the cumulative bonus shall be reduced at the same rate.
There will be no loading on premium for adverse claims experience..
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
Buy your Health Insurance Plan online
We at Future Generali are committed to serve you and provide you convenient options to
Visit any of our nearest Branch office
Call us on our helpline numbers
1800-220-233 1860-500-3333 022-67837800
Email us at firstname.lastname@example.org
SMS “PRODUCT” to 9222211100 and we will arrange a call back.
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
Health card to utilise cashless facility at Network hospitals.
80D certificate for tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
Policy coverage and Terms & Conditions
Claim Form You can intimate your claim online or submit the form to your branch office or alternatively email us.
Complaint / Feedback Form Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.
You can expect to receive this pack within 12-15 working days of purchasing our health insurance.
Making a Claim
At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:
We have an in-house claim settlement process team that processes your claims within 30 working days from the time we receive your last necessary documentation
In order to get the periodic update on your claim, please ensure to mention your Mobile Number and e-mail Id on the claim form.
Find out more about how to make a claim or check out our claim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy,you can call us on:
Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited is a standard Health Insurance Product with wider coverage for the whole family.
You can opt for below sum insured options on individual and floater sum insured basis: ₹ 50000, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs, 8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs.
You can be advised Pre-insurance medical examination, on the basis of your Age, Sum Insured opted, and any health declaration in the proposal form.
In case there is a health declaration, pre-insurance medical tests maybe advised.
If you are advised Pre-insurance medical examination, you have to first pay for the tests charges directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, you can claim for 50% reimbursement by submitting the original payment receipt
The minimum age required for entry is 3 months. The Maximum age for entry is 65 years with Lifelong renewability. Children will be covered as dependents up to 25 years of age. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals
If you pay the premium by any mode other than Cash / DD under the Policy, You shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments there on.
You can get covered for expenses incurred for hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines. The treatment has to be undergone in a government hospital or in any institute recognized by government and / or accredited by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.
Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount.
There is a 5% co-pay for each and every claim made under the policy.
Yes, following Sub limits are applicable under the policy:
a. Room Rent – Up to 2% of SI, subject to max of INR 5,000 per day
b. ICU charges – Up to 5% of SI, subject to max of INR 10,000 per day
c. Modern treatment methods and Advancements in technology (for listed procedures): Up to 50% of the Sum Insured.
d. Treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year.
Network Provider means hospitals or health care providers enlisted by Future Generali to provide medical services to an insured on payment by a Cashless Facility.
(Please note: The Hospitals which have been empanelled by Us as Network Providers are as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.)
Non-Network Provider means any hospital, day care centre or other provider that is not part of the network.
You may call on 1800 103 8889 to connect with our 24x7 call centre, or Fax us on 1800 103 9998,Or mail us on email@example.com
You can submit your claim documents at our nearest branch office or you may even send documents at the following address
Future Generali Health (FGH)
Future Generali India Insurance Co. Ltd.
Office No. 3, 3rd Floor, “A” Building , G - O – Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057.
Toll Free Number: 1800 103 8889
Toll Free Fax: 1800 103 9998
You can cover yourself and your dependents under a single sum insured.
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
From the expiry date of the policy, you get 30 days grace period for renewal for yearly mode of premium payment. For all other modes of premium payment, a fixed period of 15 days is allowed as grace period.
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
Product Name:-Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited UIN NO:-FGIHLIP20160V011920 Launch Date:-1st October 2020
Ganpat R Mali
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