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Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited

Arogya Sanjeevani Policy

Find out how this plan works for you


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

Family definition:

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:

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


Minimum entry age of Proposer 18 years
Maximum entry age of Proposer 65 years
Minimum entry age of Child 3 months
Maximum entry age of Child 25 years


Pre-acceptance Medical tests:

  • 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

What’s Covered

  • Hospitalization expenses
    • 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.

  • Pre-hospitalization Medical Expenses

    For a period of 30 days prior to the date of admissible hospitalization covered under the policy.

  • Post-hospitalization Medical Expenses

    For a period of 60 days from the date of discharge from the Hospital, following an admissible hospitalization covered under the policy.

  • Day Care Treatment expenses
  • Cataract Treatment

    Up to 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per eye in a policy year.

  • AYUSH Treatment

    Treatment with help Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.

  • Coverage for Modern Methods of treatment

    Up to 50% of the Sum Insured for the listed methods

  • Emergency Ambulance

    Expenses incurred on road Ambulance subject to a maximum of Rs. 2000/- per hospitalization.

Other Features

  • Family discount will be applicable in case more than 1 member is covered under single proposal with Individual sum insureds.

  • Cumulative Bonus:

    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.

  • Loading on Claim experience:

    There will be no loading on premium for adverse claims experience..

  • Tax benefit:

    Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Exclusions of this plan

  • Admission primarily for investigation & evaluation.

  • Change of Gender treatments, plastic surgery or any cosmetic procedure.

    Waiting Periods

    30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
    24 months Benign ENT disorders, Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty, Hysterectomy, All internal or external benign tumors, cysts, polyps of any kind, including benign breast lumps, Benign Prostate Hypertrophy, Cataract and age related eye ailments, Gastric/ Duodenal Ulcer, Gout and Rheumatism, Hernia of all types, Hydrocele, Non Infective Arthritis, Piles, Fissures and Fistula in anus, Pilonidal sinus, Sinusitis and related disorders, Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident, Calculi in urinary system, Gall Bladder and bile duct, excluding malignancy, Varicose Veins and Varicose Ulcers, Internal Congenital Anomalies
    48 months Age related Osteoporosis and Joint replacement treatment, all Pre-existing Diseases.

  • Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol.

  • Expenses related to any treatment necessitated due to participation in hazardous or adventure sports.

How can you buy this Policy

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

  • Email us at

  • SMS “PRODUCT” to 9222211100 and we will arrange a call back.

What happens next after you have purchased

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.

  • Policy Schedule

  • Premium Receipt

  • 80D certificate for tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.

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:




You ask. We answer.

Why Should I choose Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?
What are the Sum Insureds available in the product?
Do I need to undergo Pre-insurance medical examination for taking this policy?
Who will be paying for the Pre-insurance medical examination?
What are the entry age limits under Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?
Do I get any tax benefit if I purchase this policy?
Are there any waiting periods applicable?
Can I get covered for treatment taken under Non-Allopathic systems of medicine?
What is a Co-pay? Is there any Co-payment associated with Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?
Are there any sub limits applicable in the product?
What are Network /Non-network provider?
What are the steps for submitting a claim?

Top reasons why this plan is ideal for you


Floater Benefit:

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.


Free Look Period:

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.


Grace Period for Renewal:

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.

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