Future Health Suraksha

Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalization even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance. However, this should not be the sole consideration for taking such important decision.

No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.

Moreover as per Company underwriting guidelines the complete family needs to be covered. * Family means Self, Spouse and up to 4 dependent children up to the age of 25 years and 2 dependent parents in the Individual Policy. Or Self, Spouse and up to 3 dependent children up to the age of 25 years in the Family Floater Policy.

Yes. Newly married spouse can be added in the policy subject to nil adverse health declarations. Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

In fact you can also include your new born child over 90 days in the policy subject to nil adverse health declarations. Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers. For detailed list of coverage's, please refer the plan overview.

Following four are unique features of Future Generali Health Suraksha:

1.Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of ₹ 1 lakh.
2. In event of hospitalisation of child up to 10 years, we pay additional benefit of up to ₹ 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years,we pay additional benefit of
a) up to a maximum of ₹500 per day towards nursing charges incurred at home post discharge from hospital for Gold or Platinum Plan, or
b) up to a maximum of ₹ 350 per day towards nursing charges incurred at home post discharge from hospital for Topaz or Ruby Plan.
4. If insured opts for Sum insured of equals to or more than ₹ 6 lakhs in Platinum or Ruby Plan,we pay additional benefit of ₹ 500 per day during period of hospitalisation.
5. Recharge Benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Sum Insured (equal to 100% of the Sum Insured) will be automatically restored for the particular Policy Year subject to policy terms and conditions. For more such features,please refer the plan overview.

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 100% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

Yes, there is a list of 409 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses. Other expenses like pre and post hospitalisation are paid in reimbursement mode.

For family floater policy, the premium is charged as per the highest age in the family & as per the plan opted.

e.g. If the proposal is of Self + Spouse for 2lacs, the proposer is wife of age 25years & husband as dependant of 30years, the premium would be calculated as per the highest age band, i.e. husband’s age would be considered for premium calculation.

Revised Future Health Suraksha is designed to suit all your health care needs. It provides a range of benefits to ensure that you are covered for the larger expenses related to illness/ surgery with additional coverages like reinstatement of Sum Insured, ambulance charges, organ donor expenses and many more.

There are 4 plans in revised Future Health Suraksha policy and the Sum Insured are as per the Plan opted.

Policy can be taken for 1 year/ 2 years/ 3 years.

Policy provides Individual as well as Family Floater Sum Insured basis for following Sum Insured options.

Self, Spouse, up to 4 dependent children up to the age of 25 years and 2 dependent parents can be covered under the Individual Policy. Self, Spouse, up to 3 dependent children up to the age of 25 years can be covered under Family Floater Policy.

Yes there is Room Rent capping in following plans:
a. Gold (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the SumInsured per day. All admissible claims under Room rent, Board & Nursing Expensesduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim.
b. Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.

In the existing Future Health Suraksha road ambulance was ₹ 1500/- per hospitalization. However the same is now revised to
a. ₹ 2000/- per hospitalization for Gold and Platinum plans
b. ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period for Topaz and Ruby plans

There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.

Yes, at the end of every continuous period of 4claim free years.

Organ Donor Expenses, Recharge of Sum Insured benefit are newly added features in revised Future Health Suraksha policy.

This is a new addition of benefit in revised Future Health Suraksha policy. In this we will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.

Recharge benefit is applicable for all plans, where the basic Sum Insured opted is ₹ 3 Lakhs and above. If the Basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims made and paid during the Policy Year, then the Su Insured will be automatically re-instated up to 100%, once in a policy year which is valid for that Policy Year only, subject to following conditions: a) A claim will be admissible under this Benefit only if the claim is admissible under In-patient Hospitalization or Day Care Treatment.
b) The recharge shall be utilised only after the Sum Insured, Cumulative Bonus has been completely exhausted in that Policy Year.
c) The recharge shall be available only for all future claims for that Insured Person during that Policy Year. (Irrespective of whether the claim is for the same ailment for which he/she has claimed).
d) Cumulative Bonus shall not be considered while calculating the Recharge.
e) Any unutilized recharge cannot be carried forward to any subsequent Policy Year.
f) If the Policy is issued on Individual basis, then the recharge will be available to each insured person and can be utilised by Insured Persons who stand covered under the Policy before the Sum Insured was exhausted.
g) If the Policy is issued on Floater basis, then the recharged sum insured will be available on Floater basis for all Insured Persons in the family.
h) The waiting periods, the standard exclusions and the standard limits shall be applicable for the recharged sum insured.

No, Cumulative bonus is the 10% of base sum insured for every claim free year to maximum of 50%. The same will reduce by 10% in a year where claim is paid.

Yes the cumulative bonus will be passed from existing Future Health Suraksha to Revised Future Health Suraksha.

Cumulative bonus will be calculated on annual basis for long term polices same will reflect on the renewal notice

Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).

If any of the member is of the age up to 55 years with sum insured up to ₹ 3 lacs then no pre-acceptance medical test is required.Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

Medical tests will not be asked for at renewals if the renewal is as per exiting terms & conditions.

Yes there are sub limits –

a) Room rent, Board & Nursing Expenses for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the Sum Insured per day. All admissible claims under Room rent, Board & Nursing Expenses sectionduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim. b) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Feesfor Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 35% of the Sum Insured (excluding Cumulative Bonus) per claim.
c) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any Medical expenses incurred which is integral part of the operation for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 40% of the Sum Insured (excluding Cumulative Bonus) per claim.
d) Hospital cash benefit for Platinum plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Gold and Platinum plans –₹ 500/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Gold and Platinum plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Gold and Platinum plans – ₹ 2000/- per hospitalization.

Future Health Suraksha – Topaz and Ruby Plans

a) Room rent, Board & Nursing Expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.
b) Pre-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
c) Post-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
d) Hospital cash benefit for Ruby plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Topaz and Ruby plans –₹ 350/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Topaz and Ruby plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Topaz and Ruby plans – ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period.
h) Disease wise sub-limits for Topaz and Ruby plans

Yes you can enhance your sum insured, in case of claim or any health declaration the enhancement will be accepted subject to underwriting approval

Yes there are discounts under the Revised Future Health Suraksha policy and some are new addition w.r.t existing Future Health Suraksha policy 1. Family Discount- Family discount of 10% is applicable in case more than one family member is covered on individual sum insured basis in the same policy, except for the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult as per below table: Age Bands Discount

2. Long term Discount (on single premium payment) –
a) 5% discount is applicable if policy is opted for 2 years
b) 10% discount is applicable if policy is opted for 3 years
3. Loyalty Discount – 2.5% discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident /Travel) from Future Generali India Insurance Co. Ltd.The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us

Renewal is for Lifetime. For Dependent Children– Renewal in same policy is up to 25 years. Once the dependent child crosses the age of 25 years, the child will have to take separate policy as proposer.

No there is no sum insured restriction above 55 years in the revised Future Health Suraksha policy

The premium Premium will be calculated based on the Sum Insured opted, Age and Zone (Default Zone of Cover will be based on location of Your residence).There are three zones – Zone A,Zone B and Zone C.

*Please note the Cities/Towns that fall under respective Zones shall be identified as per the updated/ latest Jurisdiction defined by Government.

There are following waiting periods in the revised Future Health Suraksha policy

Yes, 100 % cost of pre-policy checkup would be refunded if the proposal is accepted & policy is issued

Yes, one choose separate plans and separate sum insured for different family members provided the sum insured of self is higher than dependents.

No, once the product is launched then the policies will be booked in revised Future Health Suraksha policy only.