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Health Super saver is a Retail Health Product with 2 plan options: Health Super Saver 1X plan and Health Super saver 2X plan.
All plans are available with individual and floater option and with lifelong renewal facility.
Room rent, board, nursing expenses for a minimum period of 24 hours.
60 days prior to date of admission and 90 days after the discharge from the hospital
Expenses incurred under Day Care Treatment requiring less than 24 hours of Hospitalisation
Maternity expenses will be covered after waiting period of only 9 months from policy inception with us
We will also cover Pre-natal Medical Expenses incurred on Hospitalisation for a period of 90 days prior to the date of delivery and Post-natal Medical Expenses incurred on Hospitalisation for up to a period of 45 days immediately following the date of delivery.
We will reimburse Medical Expenses incurred for Hospitalization under Ayurveda, Unani, Siddha or Homeopathy.
We will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.
We will reimburse the ambulance charges up to a maximum of Rs. 1000 per Hospitalisation from Home to Hospital or between Hospitals or Hospital to Home.
We will cover the reasonable and customary charges towards Medical Expenses incurred for Home Health Care Services during the Policy Period and availed through empanelled Service Provider on Cashless Facility basis, subject to policy terms and conditions
What things are not part of the plan or product under offering?
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 firstname.lastname@example.org
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.
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.
80D certificate for tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
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 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:
Health Super Saver is a health insurance product with a unique benefit of ‘Super Saver Discount! It provides a wider coverage for the whole family at a reasonable premium.
You can opt for below sum insured options on individual and floater sum insured basis. Rs 300000, Rs 400000, Rs 500000, Rs 600000, Rs 1000000, Rs 1500000, Rs 2000000, Rs 2500000, Rs 5000000.
The minimum age required for entry for children is day 1. The Maximum age for entry is 70 years with Lifelong renewability. Children will be covered as dependents up to 25 years of age. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals.
Health Super Saver is offered on an Annual term basis.
Yes, pre (60 days) and post (90 days) hospitalisation is covered under Health Super Saver.
Yes, cashless facility is available for health Super Saver.
There are 2 plans in Health Super Saver: Health Super Saver 1 X plan Health Super Saver 2X plan
i. For Health Super Saver 1X plan?option, in case, your first year of plan tenure is claim free, you are eligible for Super Saver discount of 80% in the consecutive year?
ii. For Health Super Saver 2X plan?option, in case, your first 2 years of plan tenure are claim free, you are eligible for Super Saver discount of 80% for next consecutive 2 years, or up to first claim, whichever is earlier?
iii. The plan opted will be common for all members covered under the policy irrespective of Individual and Floater sum insured options.?
iv. In case there is no claim paid for an insured in an individual policy, the Super Saver discount would be applied for that respective individual’s premium only. In case of claim paid in the first year under 1X plan or in the first 3 years under 2X plan for any insured under the individual policy, the Super Saver discount will not be applicable to the insured.? However at the time of renewal Insured has an option to start a new cycle under 1X Plan or 2X plan. In such case, he/she will be covered under a separate policy with new plan tenure on individual sum insured basis.?
v. In case there is no claim paid for any of the insureds covered under the floater policy, the Super Saver discount would be applied on total policy premium. In case of claim paid for any insured under the floater policy, the Super Saver discount will not be applicable.??However the policy can be renewed with a new cycle under 1X Plan or 2X plan?
vi. Irrespective of the plan tenure, premiums applicable are on yearly basis?
vii. An insured has an option to change the plan, sub limit options and sum insured at the time of renewals in case of claim under the expiring policy.?
*Note: For the purpose of the Super Saver discount calculation, paid claim and outstanding claims are considered.
You can get covered for expenses incurred for hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines. The treatment has to be undergone in a government hospital or in any institute recognized by government and / or accredited by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.
We will cover the reasonable and customary charges towards Medical Expenses incurred for Home Health Care Services during the Policy Period and availed through empanelled Service Provider on Cashless Facility basis, subject to policy terms and conditions.
The waiting periods applicable under the product are as below:
If you pay the premium by any mode other than Cash / DD under the Policy , You shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.
Yes, The product includes the following 3 sub limits: i. Base Sub limits Expenses incurred during hospitalization (inclusive of pre and post hospitalization) for the specified conditions/ procedures as listed in Policy wordings shall be payable as per the option chosen by the insured under base sub limits:a. Standard option b. Double optionc. Nil sublimit optionii. Mandatory Sub limits for Modern Treatment Methods and Advancement in TechnologiesMedical Expenses incurred for the treatments or procedures listed in policy wordings, as inpatient or as day care treatment (inclusive of pre and post hospitalization), shall be restricted to 50% of the sum insured opted, per policy period.iii. Optional Sub limits These sub limits shall be applicable for sum insured from INR 3 Lacs up to 10 Lacs if the Insured has opted for it. The Medical Expenses incurred during hospitalization (inclusive of pre and post hospitalization) due to the below listed treatments shall be limited to actual expenses or up to the Sub limits (whichever is less).
You can be advised Pre-insurance medical examination, on the basis of your Age, Sum Insured opted, and any health declaration in the proposal form. In case there is a health declaration, pre-insurance medical tests maybe advised.
Pre-policy medical test is available:
a) On cashless basis wherein customers are required to visit our Empaneled Diagnostic Centre and get the Pre-Policy tests conducted.
b) In case cashless facility is not available, the customer have to first pay for the tests charges directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, you can claim for 100% reimbursement by submitting the original payment receipt.
Network Provider means hospitals or health care providers enlisted by Future Generali to provide medical services to an insured on payment by a Cashless Facility. (Please note: The Hospitals which have been empanelled by Us as Network Providers are as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.) Non-Network Provider means any hospital, day care centre or other provider that is not part of the network.
You may call on our 24 hours call center on 1800 103 8889 or Fax on 1800 103 9998. Or mail us on email@example.com You can submit your claim documents at our nearest branch office or you may even send documents at the following address.
Claims Department Future Generali Health (FGH) Future Generali India Insurance Co. Ltd. Office No. 3, 3rd Floor, “A” Building , G - O – Square S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057. Toll Free Number: 1800 103 8889 Toll Free Fax: 1800 103 9998 Email: firstname.lastname@example.org
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
*Subject to Terms & Conditions and Waiting Periods given in Policy Wordings
Product Name:-Health Total UIN NO:-FGIHLIP21560V012021 Launch Date:-20th January 2021
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