Not Found
Suggestion
- Experiment with various terms
- Experiment with various terms
- Experiment with various terms
Search Not Found
Try Searching
Not Sure
Assist Heading
13165151351351
Not Found
Suggestion
Search Not Found
Try Searching
Not Sure
Assist Heading
13165151351351
Nearly 400 million residents of India do not have access to health insurance. The main reason is high premium rates. In an effort to resolve this, Future Generali has come up with a low-premium medical insurance so it's accessible to everyone. Introducing Future Generali's Health Vital Insurance plan for individuals and families.
Future Generali Health Vital Insurance covers your basic medical needs, including doctor consultations, diagnostic tests, hospital stays, prescription medications, maternity, and more. You have the option to choose the total sum insured amount between Rs. 5, 10, and 15 Lakh.
You can pay the premium as a one-time amount or in instalments of 6 or 3 months. If you apply for a long-term plan of 3 years, you might even be eligible for monthly instalments. This is to ensure that everyone can apply for this lowest-cost health insurance.
This Future Generali insurance is a family health insurance, so it covers medical expenses for:
- You
- Your Spouse
- Up to 3 Children
- Live-In Partner
- Parents
- Parents-In-Law
Below are the expenses that will be covered under the policy.
- In-Patient Hospitalisation
This family health insurance covers expenses for hospitalisation required for more than 24 hours. This includes room rent, nursing charges, doctor's fees, and related medical expenses.
- Daycare Treatment
Many lowest-cost health insurance policies don't cover daycare treatment. But Health Vital is not one of them. It covers expenses for 530 listed daycare treatments.
- Several Diseases and Procedures
This insurance covers several diseases and procedures, including cataracts, LASIK, ENT disorders, liver, lung, kidney disorders, and many more.
- Pre and Post Hospitalisation Expenses
Medical expenses that were incurred 30 days before hospitalisation and 30 days after discharge will be covered under the policy.
- Modern and Advanced Treatment Methods
Unlike several low-premium medical insurance policies, Health Vital covers modern and advanced treatment methods to ensure you get the best care.
- AYUSH Treatment
Expenses of AYUSH Treatment comprising Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy are also covered.
- Emergency Road Ambulance
Future Generali will arrange or pay for emergency road ambulance service to the nearest hospital so you get access to immediate treatment.
- Maternity Expenses
You can claim maternity expenses for 2 pregnancies in your lifetime.
- Consumables/Non-Medical Expenses
You can also opt for optional expenses covering consumables such as nutritional needs for your recovery and non-medical expenses such as hand wash, sanitizer, gloves, etc.
- Cumulative Bonus
If you do not make a single medical claim in a year, you get a cumulative bonus of 10%. But the maximum cumulative bonus is 100% of the sum insured.
The following are not covered by this individual health insurance:
- Illness or injury caused by war, war-like operations, and nuclear materials or weapons.
- Circumcision, unless medically necessary.
- Sexually transmitted infections or diseases except for HIV and AIDS
- Anomalies that are present at birth and any illnesses or defects related to those anomalies.
- Stem cell storage.
- Prenatal and postnatal care.
- Personal services such as television, telephone, or barber.
- Non-prescription medicines or elective procedures such as hormone replacement therapy.
Many people are not aware that they have a limit on the amount of expenses they claim in a year. You cannot claim the total sum insured for just one cause. So, here's a breakdown of the benefits and their claim limitations.
Benefits |
Sum Insured |
||
Rs. 5 Lakh |
Rs. 10 Lakh |
Rs. 15 Lakh |
|
Base coverage in-patient hospitalisation |
Up to the Sum Insured |
Up to the Sum Insured |
Up to the Sum Insured |
Room rent limit on normal room |
Rs. 5,000 per day |
Rs. 10,000 per day |
Rs. 10,000 per day |
Room rent limit on ICU |
Rs. 7,500 per day |
Rs. 15,000 per day |
Rs. 15,000 per day |
Day Care Treatment |
Applicable for the listed diseases/ procedures. |
Applicable for the listed diseases/ procedures. |
Applicable for the listed diseases/ procedures. |
Pre-hospitalization expenses |
30 days |
30 days |
30 days |
Post-hospitalization expenses |
30 days |
30 days |
30 days |
Emergency Road Ambulance |
Rs. 3,000 per event
|
Rs. 5,000 per event |
Rs. 5,000 per event |
Maternity expenses |
Maximum of 2 maternity claims in a lifetime |
Maximum of 2 maternity claims in a lifetime |
Maximum of 2 maternity claims in a lifetime |
Consumables/non-medical expenses |
Covered |
Covered |
Covered |
You can get any of these services for free if you opt for cashless transactions at one of the network hospitals. Here’s a Future Generali health insurance hospital list to locate your nearest network hospital.
Insurance policies have a minimum waiting period for several types of claims to ensure people are not buying a low premium health insurance just before a major medical expense.
The table below highlights the minimum waiting period for various types of claims.
Situation |
Waiting Period |
Initial Waiting Period |
30 Days |
Benign ENT disorders |
24 Months |
Tonsillectomy |
24 Months |
Hysterectomy |
24 Months |
All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps |
24 Months |
Cataract and age-related eye ailments |
24 Months |
Hernia of all types |
24 Months |
Piles, fissures, and fistula in anus |
24 Months |
Non-infective arthritis |
24 Months |
LASIK surgery |
24 Months |
Pre-existing Waiting Period |
36 Months |
Maternity expenses |
36 Months |
Bariatric surgery |
36 Months |
Age-related osteoarthritis and osteoporosis |
36 Months |
Treatment for joint replacement, unless arising from an accident |
36 Months |
You can buy individual health insurance from Future Generali by carefully investigating your coverage needs. The premium amount and sum insured will depend on your age, medical history, current health status, lifestyle factors, and the number of dependables. You can get a quote for Future Generali Health Vital Insurance by clicking here.
Future Generali’s Health Vital Health Insurance: Everything You Need to Know
Nearly 400 million residents of India do not have access to health insurance. The main reason is high premium rates. In an effort to resolve this, Future...
Read MoreFamily Health Insurance vs. Individual Plans: Which is Better?
It is undeniable that good healthcare services are important. But the rising costs are making it inaccessible for many. This is why getting health insurance can help...
Read MoreCan a ₹5 Lakh Medical Insurance Cover Take Care of Your Needs?
Health insurance is no longer a luxury purchase. It is very much essential since medical bills have gone up significantly for even the smallest procedures. To avoid...
Read MoreDay Care Treatment Explained: What Your Health Insurance Should Cover
Today, medical advancements have significantly shortened the duration of many treatments, eliminating the need for prolonged hospital stays. However, the costs of these short-term yet advanced medical...
Read MoreList of Diseases Covered Under Health Insurance
Health insurance is vital for managing healthcare costs and ensuring access to necessary medical treatments. Understanding which diseases are covered in health insurance can help policyholders make...
Read MoreTop Up Health Insurance: Everything You Need to Know
While a health insurance policy may offer a certain amount of coverage, it doesn't guarantee full reimbursement for every medical expense. Every health insurance has sub-limits for...
Read MoreDoes Health Insurance Cover Knee Replacement Surgery
The knees are joints that support our body weight and enable us to perform daily activities easily. When knee pain strikes, it impacts your quality of life,...
Read MoreWhat is Reimbursement Claim in Health Insurance?
Mr Sharma wants to purchase health insurance plans for the family. Ever cautious, he carefully reviews the policy documents. Upon reading, he learns about two claim settlement...
Read MoreEffective Tips to Reduce Workplace Stress
Mental Health is a term that is often joked about a lot but not cared about even a little. Yes, in India, it is very common for...
Read MorePradhan Mantri Suraksha Bima Yojana: Eligibility, Coverage & Benefits
Pradhan Mantri Suraksha Bima Yojana (PMSBY) is India's government-backed accident health insurance scheme. It provides financial protection to individuals in case of an accidental death or disability....
Read MoreDomiciliary Hospitalisation: Benefits, Coverage, and How to Claim
Treatments are important for people to get them out of a certain medical situation like a disease or an accident. While you mostly think of a hospital...
Read MoreGuide to Buying Health Insurance for Pre-Existing Diseases
This essential guide navigates the complex world of health insurance for pre-existing conditions. It defines pre-existing diseases, explains their impact on insurance policies, and highlights the importance...
Read MoreTop Benefits of Health Insurance In India
Life has a way of throwing curveballs when we least expect it. One minute, you're on top of the world; then, suddenly, a medical emergency might wipe...
Read MoreCommon Monsoon Diseases and Prevention Tips
In most parts of India, the monsoon brings joy and happiness as it provides much-needed relief from the scorching heat of the summer months. While abundant greenery...
Read MoreDifference between Health Insurance & Life Insurance
In life's journey, we all need a safety net. Life and health insurance act as two crucial safeguards for ourselves and our loved ones. Life insurance is...
Read MoreHow to File a Health Insurance Claim: A Step-by-Step Guide
Having a health insurance policy during unexpected medical emergencies is a blessing. If someone knows how to claim health insurance beforehand, the procedure is less stressful for...
Read MoreBuying Health Insurance for Parents: A Brief Guide
An often neglected yet essential part of our lives is senior citizen medical insurance. Consider those high hospital costs and high-priced surgeries. They mount up fast, don't...
Read MoreZero Waiting Period Health Insurance Plan
The significance of health insurance plans in India is increasing each passing year, as professional needs, escalating pollution, and other environmental issues cause critical illness in people....
Read MoreHealth Insurance Restoration Benefits: Types, Advantages, and Conditions
The restoration benefit in health insurance is a feature that can reset the sum you insured back to its original limits once you use it due to...
Read More