Future Vector Care
Future Vector Care
Find out how this plan works for you
Future Vector Care is a health insurance product that provides a lump sum benefit in case the insured is diagnosed and hospitalised due to serious diseases caused by vectors.
Sum Insured options available per person per annum are:
|Minimum Policy Term||1 Year|
|Maximum Policy Term||3 Year|
|Minimum Age at entry||1 day|
|Maximum Age at entry||65 years|
Self, Spouse, Up to 3 Dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents
Pre-insurance medical examination:
No pre-insurance medical examination test is required, irrespective of the sum insured and age of the insured.
Lump Sum Benefit–
Lump-sum payment of 100% will be made if the policyholder gets hospitalized due to any of the following conditions:
-Long-term discount up to 7.5% applicable in case of upfront premium payment for long term policy
-Loading on Claim experience:
There will be no loading on premium for adverse claims experience
Exclusions of this plan
Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy
Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/ treatment within the waiting period
Any treatment taken on Outpatient basis
Experimental or unproven procedures or treatments
Non-Allopathic treatment/ hospitalization
Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries/ cities: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, USA, and countries of the European Union. The company may review the above list of accepted foreign countries from time to time. Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise, and duly authenticated.
|15 days||Applicable for all illnesses (not applicable on renewal).|
|60 days||Applicable in case the insured is suffering from any one of the listed conditions at the time of taking the policy or within 60 days prior to applying for the policy|
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
Email us at email@example.com
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:
80D certificate for tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
- Claim Form
- Complaint / Feedback Form
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 team that processes your claims within 15 working days from the time we receive your complete claim documents.
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.
Vectors are the organisms that transmit pathogens (microorganisms that can cause disease) and parasites from one infected organism to another without falling ill themselves.
Vector-borne diseases are a group of globally distributed and rapidly spreading serious diseases that are caused by Vectors.
Some of the common Vector-borne diseases in India include Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, Zika Virus.
This health insurance product provide a lump sum benefit in case the insured is diagnosed with serious diseases caused by vectors.
Lump-sum payment of 100% will be made if the policyholder gets hospitalized for minimum 24 In-patient care consecutive hours due to any of the following conditions:
iii. Lymphatic Filariasis
v. Japanese Encephalitis
vii. Zika Virus
An individual of age 18 years to 65 years can buy this policy without any medical tests on annual basis.
The Sum Insured options available under this product are ₹ 10000, ₹ 25000, ₹ 50000 and ₹ 75000
Yes, you can. Each member will be entitled for separate Sum Insured and premium will be charged for each member separately. For this purpose, Family shall include Self, Spouse, maximum up to 3 Dependent Children and 2 Dependent Parents.
Yes, there will be an initial waiting period of 15 days from commencement of policy. However this will be increased to 60 days in case the insured is suffering from any one of the listed conditions, except Lymphatic Filariasis at the time of taking the policy. Further, in case the insured is suffering from Lymphatic Filariasis, at the time of taking the policy, it will be excluded from the Policy.
No benefit will be paid under this plan in case of following:
• Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy
• Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/treatment within the waiting period
• Outpatient treatment
• Hospitalisation primarily for any purpose which routinely could have been treated on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.
• Experimental or unproven procedures or treatments.
• Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.
No, cashless facility is not available in this product. Claims payment is only on reimbursement basis.
Premium is charged on the basis of Sum Insured opted.
Top reasons why this plan is ideal for you
Lump Sum Benefit
Get a lump sum benefit if the policyholder gets hospitalized due to any of the listed conditions
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.
Restoration of Sum Insured
If any of the listed conditions occur, 100% of sum insured shall be paid (subject to other terms and conditions mentioned in the policy document) and the sum insured shall be exhausted. Policy shall be reinstated automatically by deduction of pro-rata premium from the payable claim amount for the remaining duration of the policy year.
30 days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal
Disclaimer: The above exclusions are indicative in nature, for detail exclusions please refer to the policy wordings