Customer Login

Customer Portal

Agent Login

AVO | FG Connect

eCare Login

Health Portal

Call Me

Interested in our Product? We will call back.

+ 91

Future Varishta Bima

Future Varishta Bima

Find out how this plan works for you

Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime. Available on Individual & Family floater basis.

Sum Insured options available:

  • 200000
  • 300000
  • 400000
  • 500000
  • 750000
  • 1000000

Policy Term

Minimum Policy Term 1 year
Maximum Policy Term 3 year


Minimum entry age of Proposer 60 years
Maximum entry age of Proposer Lifelong
Maximum Renewal Age Lifelong
  • Family definition:

    Insured and Insured spouse

  • Pre-insurance medical examination:

    a)Applicable for proposal form with any medical declaration for any sum insured
    b)Mandatory Pre-insurance medical examination for sum insured ₹ 7.5 L and ₹ 10 L

  • What’s Covered

    Inpatient Treatment
    Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home

  • Other Inpatient Expenses

    Medicines and 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.

  • Additional covers

    Road Ambulance charges, Free Annual medical check-up

  • Pre-Acceptance Medical Tests

    Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured opted.

    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:

    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:

    Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.

  • Other discount:

    10% discount if the insured produces the latest medical reports within 15 days of the tests done along with the proposal form and the proposal is accepted. This is available for Sum Insured options of ₹ 2L, 3L, 4L and 5L. This discount will not be applicable for further renewals.

  • 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-payment is applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation
    50% co-payment is applicable for claim related to Pre-existing disease
    25% co-payment is applicable for all other claims. However the Insured has an option to waive off this co-payment on payment of additional premium.

  • Sub limits applicable for specified procedure:

    Sub limits applicable for specified procedures under this policy. Co-payment will not be applicable in case there is a claim for these specified procedures.

  • 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
    12 months Pre-existing conditions
    24 months Internal Congenital Anomalies, Varicose veins and Varicose ulcers, all diseases of Prostate, all types of Hernia, Varicocele, Hydrocele
    48 months Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
  • 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 Varishta Bima Policy?
Is pre and post hospitalisation covered under Future Varishta Bima Policy?
Is cashless mode of claim settlement available for Future Varishta Bima Policy ?
Do I need to undergo Medical tests for taking this policy?
Is there any waiting period in Future Varishta Policy?
What should be the age eligibility to buy Future Varishta Bima Policy?
What are the Sum Insureds available in this product?
Can I avail Future Varishta Bima Policy as floater option?
What is Co-payment? Which co-payments are applicable in Future Varishta Bima policy?
Is there any sub limits applicable in Future Varishta Bima policy?
Do I get tax benefit under section 80D of IT act for premium paid to take Future Varishta 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 Varishta Bima   UIN NO:-FGIHLIP21159V022021   Launch Date:-1st October 2020