Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless TreatmentFuture Generali’s Health Super Saver insurance is a one-of-its-kind health insurance product. When you buy our policy, you get a chance to unlock ‘Super Saver Discount'.
We cover both your parents under the same policy.
Our doors are always open. So, port your existing senior citizen insurance policy with us without any hassle.
We respect your choice. So, if you ever wish to cancel the policy, you can do it without any penalty within 15 days from purchase.
We know you are busy. So, we give you 30 grace days to renew your plan after expiry.
If an injury or accident sends you straight to a hospital bed, don’t worry! Our policy will cover all the room rent, boarding, and nursing expenses.
We know that treatment isn’t limited to hospitalisation. That’s why we offer pre-hospitalisation and Post-hospitalisation cover up to 60 days before admission and 90 days after discharge.
We also have your Daycare expenses covered under our policy.
If you’re someone who believes in alternate forms of healing, we have you covered as well! We cover all the medical expenses related to Unani, Ayurveda, Siddha, and Homeopathy treatment.
We also see to it that you reach the hospital safely with our Emergency Ambulance cover.
Bringing a new life doesn’t have to be financially stressful. That’s why our policy covers all child delivery expenses, including pre-natal and post-natal medical expenses.
We also cover organ donor’s treatment for organ harvesting.
Not comfortable with getting hospitalised? Well, our policy cover home health care services as well!
Domiciliary treatment, except for Home Health care services
External congenital condition or any related Illness/disability
Vaccination (excluding post-bite treatment)
Injury or illness due to war or warlike operations
Injury or illness due to alcohol or substance abuse
Hormone replacement therapy or sex-change treatment
Ajay saves Rs.11,379 premium for sum insured of Rs.10 lakhs in his 1st year of Health Super Saver
Ajay saves Rs.11,379 as tax under section 80D
Ajay does not claim in his first year
On renewal, Ajay is eligible for discount of 80% and saves premium of Rs.2,275.8 on the sum insured of Rs.10 lakhs in his next year
80% discount is offered on the next year’s premium if you have a claim free year!
Ajay saves Rs.11,643 premium for sum insured of Rs.10 lakhs in his 1st year and has no claim. He saves Rs.11,643 as tax under section 80D
Ajay saves Rs.11,643 premium for sum insured of Rs.10 lakhs in his 2nd year and has no claim. He saves Rs.11,643 as tax under section 80D
On renewal, Ajay is eligible for a discount of 80% for 3rd year and saves premium of Rs.2,328.6 on the sum insured of Rs.10 lakhs
On renewal, Ajay is eligible for a discount of 80% for 4th year and saves premium of Rs.2,328.6 on the sum insured of Rs.10 lakhs
80% discount is offered on the next year’s premium if you have a claim free year!
You can purchase our Health Super Saver policy in several ways:
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
SEND US AN EMAIL
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
File your claim in minutes with Future Generali’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless TreatmentVerify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future GeneraliGet Admitted
You get admitted without any deposit and get cashless treatmentPeace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospitalOur claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredClaim Form
Download the FG health claim form, fill it and along with itDocument Submission
Submit original documents to the nearest Future Generali branchClaim Settlement
We will settle the claim in subject to policy terms and conditionsYes, The product includes the following 3 sub limits:
i. Base Sub limitsExpenses 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 option
c. Nil sublimit option
ii. Mandatory Sub limits for Modern Treatment Methods and Advancement in Technologies
Medical 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)
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.
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 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.
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.
Yes, cashless facility is available for health Super Saver.
You may call on our 24 hours call center on 1800 103 8889 or Fax on 1800 103 9998. Or mail us on fgh@futuregenerali.in
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: fgh@futuregenerali.in
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.
Waiting Period | Diseases |
---|---|
30 days | Any illness, diagnosed or diagnosable except those incurred as a result of accident/ Injury. |
9 months | Maternity expenses waiting period |
24 months | Pre-existing Disease waiting period |
24 months | Cataract, Benign Prostatic Hypertrophy, Hernia of all types, Hydrocele, Dysfunctional Uterine Bleeding, Hysterectomy, Surgery for prolapsed inter vertebral disc unless arising from Accident |
48 months | Joint replacement Surgery due to Degenerative condition, Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by Accidental Bodily Injury, Listed Mental and Psychiatric Illness, Behavioural and Neuro developmental disorders – Disorders of adult personality, Disorders of speech and language including stammering, dyslexia. |
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.
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.
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.
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.
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.
There are 2 plans in Health Super Saver:
Health Super Saver 1 X plan
Health Super Saver 2X plan
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.
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Read MorePRODUCT NAME: HEALTH SUPER SAVER | UIN NO: FGIHLIP23056V022223 | LAUNCH DATE: 05TH-SEP-2022