Future Aarogya Bima

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Plan Overview
What's not covered
How to buy?
After purchasing
FAQ's

Find out how this plan works for you

Future Aarogya Bima is an affordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime. Available on Individual & Family floater basis.

Sum Insured options available:

200000
300000
500000

Plan options available:

Plans	Co-payment applicable
Plan A	Mandatory co-payment of 10%
Plan B	Mandatory co-payment of 10% and additional co-payment of 20%
Plan C	Mandatory co-payment of 10% and additional co-payment of 30%
Co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

Policy Term

Minimum Policy Term	1 year
Maximum Policy Term	3 year

Eligibility

Minimum entry age of Proposer	18 years
Maximum entry age of Proposer	70 years
Minimum entry age of Child	Day 1
Maximum entry age of Child	25 years
Maximum Renewal Age	Lifelong

Family definition:

Individual option:
Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents.
Family Floater option:
Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years).

What’s Covered

Inpatient Treatment:
Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home Up to 1% of the Sum Insured per day for non-ICU room.
Co-payment will be applicable in case of admission in a room with rent higher than the entitled room limit.
Other Inpatient Expenses
Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc
Other Expenses covered
Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses.
Pre-Acceptance Medical Tests
No pre-insurance medical examination test is required if the Insured is up to 50 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 51 years and above.

Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre

Other Features
Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.
Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.

Instalment Facility:
Facility of instalment premium payment is available on monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
Co-payment:
Co-payments shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
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

External Congenital Anomaly and related Illness/ defect
Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).

Waiting Periods

Waiting Period	Diseases
30 days	Any illness, diagnosed or diagnosable except those incurred as a result of Injury
48 months	Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
24 months	Internal Congenital Anomalies, Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids

Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.
Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)
To view the list of Non – Payable items, click here.

How can you buy this Policy?

Buy your Health Insurance Plan

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 fgcare@futuregenerali.in
SMS “PRODUCT” to 9222211100 and we will arrange a call back.

Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.

What happens next after I 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.
Policy coverage and Terms and 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 it to 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:

1800-220-233

1860-500-3333

022-67837800

You ask. We answer.

What is Future Aarogya Bima Policy?

Is pre and post hospitalisation covered under Future Aarogya BimaPolicy?

Sum Insured (₹)	200000	300000	500000
Combined limits for Pre- & Post-Hospitalisation (₹)	4000	6000	10000

Is cashless mode of claim settlement available for Future Aarogya Bima Policy?

Do I need to undergo Medical tests for taking this policy?

Is there any waiting period in Future AarogyaPolicy?

What should be the age eligibility to buy Future Aarogya BimaPolicy?

What are the Sum Insureds available in this product?

Can I avail Future Aarogya BimaPolicy as floater option?

What is Co-payment? Which co-payments are applicable in Future Aarogya Bima policy?

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. A co-payment does not reduce the Sum Insured.

Co-Payments applicable under the policy are as given below:
1.As per the plan opted:

Plans	Co-payment applicable
Plan A	Mandatory co-payment of 10%
Plan B	Mandatory co-payment of 10% and additional co-payment of 20%
Plan C	Mandatory co-payment of 10% and additional co-payment of 30%
Co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

2.In case of admission in a room with rent higher than the entitled room limit

Co-payment in case of admission in room with higher room rent is as below
Sum insured ( in ₹)	200000	300000	500000
Applicable room rent	2000	3000	5000
above 2000 to 3000	15%	0%	0%
above 3000 to 5000	15%	15%	0%
above 5000 to 10000	15%	15%	15%
above 10000	15%	15%	15%
Room, Boarding and Nursing Expenses as provided by the Hospital/ Nursing Home up to 1% of Sum Insured per day or actual, whichever is lower. During your hospital stay if at any time you are admitted in a Non-ICU room having room rent of more than the defined limit then the co-payment shall be applicable on the total hospitalisation admissible bill. If a person is admitted in ICU any time during the hospitalisation and later shifted to Non-ICU room within the defined room rent limit, no co-payment shall apply and in case shifted to Non-ICU room with higher room rent limit, co-payment shall applicable on the total hospitalisation admissible bill. If a person is admitted only in ICU during entire hospitalisation, we will pay up to actual expenses and no co-payment shall apply. Reasonable and Customary charges would be applicable only in cases where the services (like Professional Fees, OT charges etc), applied are higher as compared to standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/ injury involved.

Is there any sub limits applicable in Future Aarogya Bima policy?

Do I get tax benefit under section 80D of IT act for premium paid to take Future Aarogya Bima Policy?

Top reasons why this plan is ideal for you

Floater Benefit:

Under a single sum insured, cover yourself and your Spouse.

Portability:

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.

30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

Top reasons why this plan is ideal for you

Faster claims settlement

Specialist claims service and claims settlement within 14 working days***

Portability

Port your existing policy with us to opt for our benefits and services. Portability can be offered as per the Portability guidelines of IRDAI.

Grace period

You can renew your Policy within 30 days from the date of expiry of your policy .

Free Look Period

Not satisfied with the coverage, and terms and conditions of the policy, 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.

*Refer our brochure for Pre-acceptance Medical Tests.

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Find out how this plan works for you

Plan options available:

Policy Term

Eligibility

Family definition:

What’s Covered

Other Features

Exclusions of this plan

External Congenital Anomaly and related Illness/ defect

Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).

Waiting Periods

Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.

Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)

How can you buy this Policy?

Floater Benefit:

Portability:

Free Look Period

30 Days for Renewal

Faster claims settlement

Portability

Grace period

Free Look Period

Enjoy our value added services with Future Generali Health Privileges.

Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!

I have used many insurance policies for my car, but I found FUTURE GENERALI is the best amongst all companies. Service is really very fast and the large number of garages are working for perfect recovery.

This is the second time that the entire claims process have been handled & supervised very efficiently. Thank you for your support in this & we cherish our relationship on a continued basis.

Appreciate the way my case was handled by providing timely claim settlement. This will definitely impact to me positively leading to positive word of mouth. I will definitely renew my insurance policy with future Generali only and also suggest in my friend circle.

Claims with insurance companies are very difficult to recover, but with Future Generali I never got that feeling. From day one I was informed that my claim would be pass and that I shouldn't worry. I am very satisfied with Future Generali.

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