FG Health Elite
Get an Edge with FG Health Elite’s
Exclusive Coverage
Alternative Treatment
We understand that treatment isn’t limited to hospitalisation. Our pre- and post-hospitalisation cover pays for your costs up to 60 days before admission and 180 days after discharge.
Inpatient Treatment
If an injury or accident sends you straight to a hospital bed, don’t worry! Our policy will pay for your room rent, boarding, and nursing expenses.
Domiciliary Hospitalization Expenses
We pay for your expenses during at-home medical treatment (domicile) for a period of more than three days.
Maternity Expenses
Bringing a new life into the world doesn’t have to be financially stressful. That’s why our policy covers all child delivery expenses, including pre- and post-natal medical expenses.
Patient care
We pay for all inpatient care costs, up to 10 days after discharge (limited to a maximum of 30 days per policy year).
Global Medical Treatment
We pay for your costs in treatment abroad - listed critical illnesses, return airfare, and emergencies (except the USA and Canada).
Accidental Hospitalization
If you meet with an accident and need hospitalization, we give you additional sum insured.
Child Vaccination Benefits
We pay for your child’s vaccination
expenses up to 12 years of age.
Non-prescribed medicines
Injury or illness due to alcohol or substance abuse
Injury or illness due to war or warlike operations
External congenital condition or any related Illness/disability
Hormone replacement therapy or sex-change treatment
ENJOY SOME EXCLUSIVE BENEFITS WITH FUTURE GENERALI HEALTH ELITE:
10% family discount when you cover yourself and one more individual under a single proposal with individual sum insured option
Flexible premium payments - monthly, quarterly, half-yearly, and annually in case of long term policies
Floater discount on premiums paid for dependent members
7.5% discount if the proposal is logged on our website
We give you a long-term discount when you make a single payment for a policy term of more than one year
No loading for a bad claim experience
15% discount if you buy from our website
The above list of exclusions is indicative. For more details, please refer to the Policy Wordings.
| Category | Waiting Period |
|---|---|
| General | 30 days |
| Specified disease/procedure | 24 – 48 months |
| PED | 24 months |
| Maternity expenses | 24 months if you and spouse are covered and 48 months if only you are covered |
Our Wellness benefits include value-added services and Wellness reward points. Our Wellness partners will conduct these services and you can avail these benefits on our FG Insure app by buying our FG Health Elite policy.
FG Health Elite covers the physical and mental wellness of your entire family. You can also earn reward points through various wellness activities. These include:
Yes, you get the following wellness features
Tele Counselling
You get access to two tele counselling sessions with a clinical psychologist to maintain and improve the quality of your life.You can book the tele counselling sessions through FG Insure App.
Webinars
You will get access to webinars held on the FG Insure App on topics related to physical and mental wellness.
Vouchers
You will get discount vouchers from our partner tie-ups, which can be used for maintaining a healthy lifestyle, diagnostics, medicines, etc. You can find the voucher details on the FG Insure App.
Health Check-up
All insured members over 18 years are eligible for availing of a 'Health Check-up' under the policy. The health check-up can be conducted from the 1st year of the policy with us. You can avail of a health check-up at our partner diagnostic centres only. Click here
Wellness Reward Points
All insured members can improve their overall well-being and earn reward points by performing a number of wellness activities.
Health Content
You will have access to articles, videos, nutrition charts, exercises and blogs that provide information on topics related to physical and mental wellness.
Track and manage your policies with the FG Insure App.
Sr. No. |
Criteria |
Frequency Allowed |
Max. Points |
|---|---|---|---|
1. |
Enrolment to wellness |
Once/year |
15 |
2. |
Stress & Happiness Index score |
2 times/year |
20 |
3. |
Expert Wellness Assessment |
Once/year |
40 |
4. |
Participation in FGII organized events (as and when organized) and viewing of FGII content around wellness |
As planned by FGII |
20 |
5. |
Lifestyle disease monitor • Hypertension- Blood pressure • Obesity- BMI • Diabetes- Hb A1C • Cardiac Health- Sr. Cholesterol, Triglycerides |
Once/year |
45 |
6. |
Fitness/ Healthy Lifestyle tracking- (Any one activity) • Daily step tracking (monthly average of 10000 steps/day) • Burning an average of 300 calories per day in a month • Submission of monthly Gym /yoga membership detail • Participation in Marathon, Cyclathon, etc. |
Monthly |
60 |
Total Points |
200 |
The insured person must be above 18 years to be eligible to earn wellness points.
There is no limit to the number of programs you can enroll in. But, the maximum reward points per policy year is limited to 200/member.
Conditions for earning Reward Points will be the same for all the insured persons.
Here’s how you can get your Future Generali Health Elite in different ways:
1
Call us to 1800 266 1112
2
Email us at fgcare@futuregenerali.in
3
Walk-in to any of our nearest branches
Once you have purchased the policy, you will receive the following:
You can make a claim in one of the three ways:
Here is how you can file your Cashless Claim:
Visit your nearest Future Generali Network Hospital.
Show your health card at the insurance desk.
The Network Hospital will verify your identity and submit the pre-authorization form to Future Generali.
You get admitted without any deposit and enjoy cashless treatment.
Once discharged, the hospital sends your claim documents to Future Generali. We directly settle the amount with the hospital.
Here is how you can file your Reimbursement Claim:
Once you are discharged, pay all hospital bills and collect all original documents of your treatment and bills.
Download the Future Generali health claim form and fill it.
Submit original documents to the nearest Future Generali branch
We settle the claim as per the policy terms and conditions.
Here is how you can file your Medical Claim in Abroad:
When you get a diagnosis, call us or our assistance service provider.
Before you travel overseas for your treatment, request for pre-authorisation.
Do this at least 15 days before you are admitted to the hospital.
If the hospital agrees for cashless facility, Future Generali or its assistance service provider communicate directly with the hospital.
We tell you if your pre-authorization request has been approved.
If your pre-authorization request is approved, Future Generali or its assistance service provider directly settle the claim with the hospital.
Future Generali Health Elite Insurance is specifically designed to meet the needs of High-Net-Worth Individuals. It gives you access to premium healthcare services and well-being benefits that are not present in a standard health insurance plan.
You can opt for these sum insured options on individual and floater sum insured basis - ₹75 L, ₹1 Cr, ₹1.5 Cr, ₹2 Cr, ₹2.5 Cr, ₹3 Cr, ₹3.5 Cr, ₹4 Cr, ₹4.5 Cr, ₹5 Cr, ₹5.5 Cr, ₹6 Cr
Future Generali Health Elite is available for 1, 2, and 3 years.
This Policy is available to all the Insured Persons who are Indian Nationals and are resident of India at inception of the Policy and at subsequent renewals of this Policy. If there is change in the resident status, then insured is required to inform Us in writing at renewal.
The minimum age of entry is 91 days and the maximum is 65 years. However, renewal can be lifelong.
A ‘family’ can include Self, Spouse/ Live-In Partner, Children, Parents, Parents-in-law, Dependent Siblings, Daughter-in-law, Son-in-law, Grandparents, and Grandchildren. You can insure a maximum of 15 members under one policy on either individual or floater sum insured basis.
Yes, all insured above 18 years need to undergo pre-policy check-ups.
Yes, you can get a 10% family discount under Individual Future Generali Health Elite in case insured members are more than one under a single policy. No family discount is available for the floater policy.
For an individual policy, it is calculated according to the age band and the sum insured.
For family floater, the premium for the primary insured is according to the numbers in the individual table.
For remaining dependent members, you can check floater discounts in the table below.
| Age Bands | Floater Discount | Age Bands | Floater Discount | |
|---|---|---|---|---|
| 0-17 | 60% | 51-55 | 40% | |
| 18-25 | 55% | 56-60 | 35% | |
| 26-30 | 50% | 61-65 | 35% | |
| 31-35 | 45% | 66-70 | 35% | |
| 36-40 | 45% | 71-75 | 35% | |
| 41-45 | 40% | 76-80 | 25% | |
| 46-50 | 40% | >=81 | 25% |
Single sum insured is offered for medical expenses within India and outside India.
Outside India medical expenses are covered as follows -
i. Medical treatment abroad (excluding USA and Canada) includes
ii. Emergency ambulance expenses
iii. Repatriation of mortal remains
The insured has the option to extend the scope of Benefit 2 (Medical Treatment abroad), Benefit 3 (Emergency Ambulance Expenses) and Benefit 14 (Repatriation of mortal remains) to include USA and Canada –
The option to include USA and Canada covers is available for insured persons – for both individual and floater sum insured options. Once you opt for this, there will be a lock-in period of 3 years.
a) For the Listed Critical Illness Treatment section, the insured person needs to inform us or our assistance service provider before going for medical treatment abroad. Our assistance service needs 7 working days to confirm this claim and coordinate with the hospitals.
b) For Emergency Treatment section, you need to inform us or our assistance service provider in 2 days from the date the illness or injury occurs or when you are admitted to the hospital, whichever is earlier.
Claims for both road and air ambulance services can be made if we have approved a claim for the same illness or injury under Benefit 1 (Hospitalization Expenses) and Benefit 2 (Medical Treatment Abroad). You can avail this benefit up to the sublimit specified under the policy.
Road ambulance services of a hospital or a registered service provider are available to transport the insured -
i. from place of residence or the place where the injury has happened to the nearest hospital and;
ii. from one hospital to another, if the transportation is medically necessary.
i. The evacuation is recommended and certified by a medical provider
ii. We or our assistance service provider has approved these medical expenses You can use the ambulance service for transportation within the country only. We do not pay for transportation between countries.
We will cover the cost of insured persons prescribed spectacles /contact lenses and hearing aids, up to the sub limits specified under the policy. You can avail these benefits every alternate policy year.
All insured persons above 18 years of age can avail the wellness benefits. The insured must register on the FGII mobile app with their mobile number and the policy number for enjoying these benefits.
1) The points earned will float among all members of the family irrespective of the persons who earned the points.
2) Points earned in first year can be carried forward to the 2nd or 3rd year in case of long term policies.
3)You can burn the points for using these benefits - i. When you avail out-patient consultations through the Wellness Partner network clinics
ii. When you take diagnostic and preventive tests through the Wellness Partner network clinics
iii. When you purchase prescribed medicines through an online pharmacy that has a tie-up with our Wellness Partner
iv. When you claim reimbursement of non-medical expenses under Benefit 1 (Hospitalization Expenses)
v. When you get a renewal discount
The policy holder can use the balance reward points to get a discount on the premium when they renew the policy.
If the insured does not opt for renewal discount, then they can redeem the wellness reward points for OPD consultations/diagnostics tests and/or purchasing prescribed medicines through our Wellness Partners. This is applicable for a period of up to 3 months from the policy expiry date.
Here is how you can file your claim in minutes:
6. Visit the insurance desk of your nearest Future Generali Network Hospital and show your health card for Cashless Treatment
7. The Network Hospital will verify your identity and submit the pre-authorization form to Future Generali
8. You get admitted without any deposit and enjoy cashless treatment
9. Once you are discharged, the hospital will send your claim documents to Future Generali and we will directly settle the amount with the hospital
Our claim settlement process is fast and reliable:
5. When you are discharged, pay all hospital bills and collect all original documents of your treatment and bills
6. Download the Future Generali health claim form and fill it
7. Submit original documents to the nearest Future Generali branch
8. We will settle the claim as per the policy terms and conditions
We settle your cashless claim for international medical treatment reliably -
8. When you get a diagnosis, call us or our assistance service provider. Before you travel overseas for your treatment overseas, request for pre-authorisation. This should be done at least 15 days before the planned date of hospital admission.
9. If the hospital agrees for cashless facility, Future Generali or its assistance service provider will communicate directly with the hospital and the insured. We will tell you if your pre-authorization request has been approved or denied.
10. If your pre-authorization request is approved, Future Generali or its assistance service provider will directly settle the claim with the hospital.
11. If your request is denied, we will not be settling the claim.
12. Pre-authorization is not mandatory if the insured has a life-threatening medical condition and is admitted under Medical Treatment Abroad, Emergency Treatment.
PRODUCT NAME: FG HEALTH ELITE | UIN: FGIHLIP22234V012122 | 26TH SEPTEMBER 2022
