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Affordable Plan

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


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


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:


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.

What is Future Aarogya Bima Policy?
Is pre and post hospitalisation covered under Future Aarogya BimaPolicy?
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?
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.



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.

Enjoy our value added services with Future Generali Health Privileges.

Find Out How?

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
For opting additional coverage under Accident Suraksha, kindly visit our nearest branch office.

Product Name:-Future Aarogya Bima  UIN NO:-FGIHLIP21157V022021  Launch Date:-05-Jun-2019