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FAQs - Frequently Asked Questions

Does the Policy cover pre-existing disease?

No pre-existing diseases are not covered in any of the plans. If you are already suffering from any pre-existing disease then the proposal will be referred to Underwriting Team for review.

Does Future Generali maintain network of service providers across the globe?

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Which plans are available as Annual Multi-trip policy?

Annual Multi-trip plan is available in Future Travel Suraksha (World-Wide ) & Future Travel Suraksha- Schengen Travel

Can Travel plans be availed for Multi Trips?

There are single trip plans available in Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen and Future Student Suraksha
The Annual multi trip option is available in below travel products:
a) Future Travel Suraksha – Gold and Platinum plans
b) Future Travel Suraksha – Schengen travel

How do I get in touch with EUROP ASSISTANCE?

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

Does Future Generali offer covers like Compassionate visit, and Child escort?

Yes, this cover is available under Future Travel Suraksha and Future Travel Suraksha Schengen Travel.

Is there an option to take family cover i.e. one policy for self, spouse and children?

Family plan is available under Asia & Schengen Travel plan

*Please refer policy wordings

Is travel insurance mandatory?

Travel Insurance is not mandatory in India. However for a safe and peaceful trip, we recommend that you should take as Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

What is the minimum cover offered by Future Generali under Travel Insurance Plans?

We offer minimum cover of 30,000 Euros under Schengen travel plan; 25,000 USD under Asia plan; and minimum 50,000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25,000 USD and under World plan is 50,000 USD.

Can I avail cashless mode of settlement for Medical expenses? Are there any deductions in Travel insurance claims?

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

I am travelling to UK/ USA for 15 days on tourist Visa. I have Health Insurance with your company since last 5 years; why do I need separate Insurance to travel abroad?

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk. Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

What is the need of Travel Insurance? What does it covers?

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. The plan options have the following covers, which may vary depending upon the plan opted:
Cashless treatment during medical emergency
Emergency Medical Evacuation
Repatriation of Remains up to USD$ 10,000
Continuation of Medical Treatment in India
Daily Hospital Allowances
Emergency Sickness Dental Relief
Trip Delay
Trip Cancellation
Trip Curtailment
Missed Connection
Loss of Passport
Hijack Benefit
Checked in Baggage Delay
Checked in Baggage Loss
Compassionate visit
Financial Emergency Assistance
Accidental Death & Permanent Total Disablement
Accidental Death – Common Carrier
Accidental Death – Air Travel only
Personal Liability
Golfers Hole in One celebration
Automatic extension for 7 days
Home burglary insurance
Child Return Journey
Mental and Nervous Disorder *
Maternity Benefit *
Tuition Fee *
Sponsor protection *
Felonious Assault *
Bail Bond *
(* Available only in Future Student Suraksha plan)

Can I extend my policy in case I extend my stay?

Yes, extension facility is available under travel plans.

What type of travel falls under decline list?

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India.

Are there any sub-limits applicable in Travel Insurance plans?

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

What is the period for which Travel Insurance can cover my abroad trip?

a) Future Travel Suraksha Select plans - offers a cover for minimum of 1 day and maximum of 180     days. The policies can be extended for next 180 days subject to underwriting terms and conditions.
-   For Standard Select and Silver Select plans the maximum trip duration can be 360 days including     extensions.
-   Prime Care Select plan the maximum trip duration shall not exceed 180 days in total.
b) Future Travel Suraksha plans offers a cover for minimum of 1 day and maximum of 180 days. The     policies can be extended for next 180 days subject to underwriting terms and conditions. Superior     Care Select plan the maximum trip duration shall not exceed 180 days in total.
c) Future Easy Travel Worldwide, Future Easy Travel Schengen plans - offers a cover for minimum of     1 day and maximum of 180 days. The policies can be extended for next 180 days.
d) Future Student Suraksha – offers a cover for minimum of 30 days and maximum of 2 years. The     policy can be extended only once, provided the maximum trip duration inclusive of any extension     shall not exceed 730 days including extensions

Which plan can I avail for Multi Trips?

There are single trip plans available in Future Travel Suraksha Select. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

I am a Business Traveller and travel often to West; do I need to take Insurance for every single visit?

You can take annual multi-trip policy with us. Under Annual Multi-trip trips upto 30 days and 45 days duration are allowed depending on plan opted . You can also take single trip policy with us.

Can a policy be issued once the travel has commenced?

No, policy cannot be issued once travel has commenced

Are there any sub-limits applicable in Travel plans?

Yes, sub-limits are applicable under Future Travel Suraksha Select, Future Travel Suraksha, Future Easy Travel Worldwide for policyholders of Age 56 years and above.
Sub-limits are not applicable under Future Student Suraksha plan and Future Easy Travel Schengen.

Does one has to undergo through any medical examination?

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, Future Student Suraksha - There is no medical examination required, if there is no medical declarations in proposal form. However in case of any medical declaration, medical tests shall be advised by the Underwriting Team
For Future Travel Suraksha Superior Care plan - Proposal with age of 71 years to 80 years, medical tests are required.

Does Future Generali maintain network of service providers across the globe?

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

How do I get in touch with EUROP ASSISTANCE?

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093. Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

What is the minimum cover offered by Future Generali under Travel Insurance Plans?

We offer minimum cover of 30, 000 Euros under Schengen travel plan; 25, 000 USD under Asia plan; and minimum 50, 000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25, 000 USD and under World plan is 50, 000 USD.

Can I avail cashless mode of settlement for Medical expenses? Are there any deductions in Travel insurance claims?

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25- 100 USD).

Can I extend my policy in case I extend my stay?

Yes, extension facility is available under travel plans.

Are there any sub-limits applicable in Travel Insurance plans?

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

How can I extend my Policy?

Extensions can be granted on Future Easy Travel policies up to age 70 years (completed age) provided the request for extension is sent up to 7 days prior to the expiry of earlier policy period, to Fgcare@futuregenerali.in

What are the various plan variants available under Future Easy Travel products?

There are total 12 plans available under Future Easy Travel Worldwide product. These are:

Plans with Deductible under Medical Care section Plans without deductible under Medical Care section
Pearl I Pearl II
Topaz I Topaz II
Ruby I Ruby II
Emerald I Emerald II
Sapphire I Sapphire II
Diamond I Diamond II

There are total 6 plans available under Future Easy Travel Schengen product. These are:

Plans with Deductible under Medical Care section Plans without deductible under Medical Care section
Pearl I Pearl II
Sapphire I Sapphire II
Diamond I Diamond II
Does the Policy cover pre-existing disease?

Future Easy Travel policies does not cover pre-existing diseases. If you are already suffering from any pre-existing disease then you would not be able to buy this plan online. However in case you still wants to take travel insurance from Future Generali, then you can visit our nearest branch

Does this product have plans that are without deductible?

Yes, the product has plans with deductible and without deductible option under Medical Care.

What is the period for which Future Easy Travel Worldwide or Future Easy Travel Schengen Travel Insurance can cover my abroad trip?

Future Easy Travel Worldwide and Future Easy Travel Schengen plans offers a cover for minimum of 1 day and maximum of 180 days. However you can extend your policy trip for next 180 days.

What is Future Easy Travel products?

Future Easy Travel Worldwide product is a travel product that can be purchased online. It provides insurance cover for travel abroad to all countries including US & Canada for business and leisure purpose.

We also have Worldwide plan excluding US & Canada for insurance cover for travel to countries excluding US & Canada.

Future Easy Travel Schengen product is a plan specially designed for customers travelling to Europe on a Schengen visa, which include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland for business or leisure(This list of countries will be updated from time to time to include all countries which come under the definition of Schengen countries and where the Schengen visa is applicable. Travel to these countries will be covered under this plan)

Can Future Easy Travel Worldwide plan or Future Easy Travel Schengen plan be availed for Multi Trips?

There are single trip plans available in Future Easy Travel Worldwide and Future Easy Travel Schengen. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

What is the procedure to make a Claim?

For claims and related queries, you may kindly call:
24X7 helpline number: +91 22 6734 7841
National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network)
Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 301, 'C' Wing, Business Square,
Andheri Kurla Road, Chakala, Andheri (East), Mumbai 400093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

In case of any escalations kindly contact:

Claims department,
Future Generali Health (FGH),
Future Generali India Insurance Company Ltd.
Office No. 3, 3rd Floor, "A" Building, G - O – Square,
Near Mankar Chowk,
Aundh Hinjewadi Link Road,
Wakad, Pune - 411 057
Email: fgh@futuregenerali.in

I am travelling to UK or USA for 15 days on tourist Visa. I have Health Insurance with your company since last 5 years; why do I need separate Insurance to travel abroad?

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk.

Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

Is travel insurance mandatory?

Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemburg, Netherlands.

However for a safe and peaceful trip, we recommend that you should take a Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

Are there any sub-limits applicable in Future Easy Travel plans?

Yes, sub-limits are applicable under Future Easy Travel Worldwide for policyholders who are of Age 56 years and above.

What is the need of Travel Insurance? What does it covers?

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. So travel the world under Future Easy Travel Worldwide or Future Easy Travel Schengen Policy. The plan options have the following covers:

1. Cashless treatment during medical emergency for up to US$ 5,00,000 (in case of Future Easy Travel Worldwide policy) Or, €200000 (in case of Future Easy Travel Schengen policy)

2. Emergency Medical Evacuation

3. Repatriation of Remains

4. Continuation of Medical Treatment in India

5. Daily Hospital Allowances

6. Emergency Sickness Dental Relief

7. Trip Delay

8. Trip Cancellation

9. Trip Curtailment

10. Missed Connection

11. Loss of Passport

12. Hijack Benefit

13. Checked in Baggage Delay

14. Checked in Baggage Loss

15. Compassionate visit

16. Financial Emergency Assistance

17. Accidental Death & Permanent Total Disablement

18. Accidental Death – Common Carrier

19. Accidental Death – Air Travel only

20. Personal Liability

21. Golfers Hole in One celebration

22. Automatic extension for 7 days

23. Home burglary insurance

24. Child Return Journey

What type of travel falls under decline list?

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India. Also we do not cover Travel to UN sanction countries. These countries are Afghanistan, Cote de Ivoire, Democratic Republic of the Congo, Democratic People's Republic of Korea, Eritrea, Iran, Iraq, Lebanon, Libya, Liberia, Somalia, Sudan. This list would be updated from time to time.

Does FGI maintain network of service providers across the globe?

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

How can one buy the Future Easy Travel Worldwide policy or Future Easy Travel Schengen policy?

Both Future Easy Travel Worldwide and Future Easy Travel Schengen policy can be bought online.

What is the age eligibility to buy this product?

Members of age 6 months to 70 years can buy Future Easy Travel Worldwide Policy and/or Future Easy Travel Schengen Policy.

Can a policy be issued once the travel has commenced?

No, policy cannot be issued once travel has commenced

Does one has to undergo through any medical examination?

No, there is no medical examination required to avail Future Easy Travel plans

Can items like jewellery, ornaments and art works be covered under this policy?

Unless prior consent has been given by the Insurer, home insurance policy does not cover items like jewellery ornaments, art works, scripts, documentary information, computer system information, shares & stocks and cash. These can be covered on specific request and subject to valuation.

What type of insurance should I buy to protect my home and the contents in my home?

Fire insurance covers the structure of your home and along with any permanent fixtures and fittings like kitchen units and bathrooms. It covers the cost of repairing or re-building your home if it's damaged by flood, fire or any of the other risks detailed in the policy.

Future Generali’s Home insurance policy covers both, the structure of your home against Fire and allied perils as well as the contents.

What are the various protections available under the Home insurance Policy?

Home insurance is a comprehensive Package Policy which provides protection to home owner, property and its contents against loss or damage by sudden, unexpected event or accidents.

The Home Insurance Policy covers:

Fire Insurance of the building and home contents
Burglary / Housebreaking
All Risk Insurance for jewellery, ornaments or high value items, portable equipments such as laptops
Electrical and Mechanical failures of domestic appliances
Protection of Electronic Equipment
Personal Accident for your family
Protection against liabilities like tenants legal liability, domestic workmens compensation and public liability
Enhanced protection to include coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.

Can I only insure the house structure (building) under the Home insurance Policy?

No, only building cannot be covered under Home insurance Policy. Cover for Building can be given only along with contents.

How do I arrive at an insurable value of my house structure and contents?

The most accurate way to determine the replacement / reinstatement cost of your home is to hire a building contractor or other building professional to produce a detailed estimate. Only the cost of the property’s structure and its associated systems, fixtures, and finishes will be included in the estimate. Land value is not included in the amount of insurance you buy.

Value of House Structure-

The value of your house structure should be insured for its replacement or reinstatement cost. Replacement / reinstatement cost is the cost necessary to repair or replace damaged items or structures in a manner similar to the construction of your house prior to the damage. When you insure your house structure for its replacement value, in the event of an unfortunate event, Future Generali will reimburse you for the cost of rebuilding or repairing your house, based on the size and structure of your house.

Value of Home Contents-

The best way to work out the value of your contents is to systematically go through every room and make an inventory. Don't leave anything out, whether it's a sofa set or a pair of curtains - they'd all need to be replaced if, say, there was a fire in your house.

You then need to work out how much it would cost to replace every single item on the list with a new one. The internet can help, or you might be able to find receipts and adjust for inflation. When you have a total, you should insure your contents for that amount. Don't simply guess the value of your contents: research shows that one in five households does not have enough insurance.

Just like the house structure, the contents should also be insured for replacement costs.

Do I need to pay additional premium to cover Earthquake & Terrorism?

Earthquake and Terrorism are add on covers and can be opted as an extension to the Home insurance policy by paying an additional premium.

What is Under Insurance and Average Clause?

In simple terms, Under Insurance arises when you insure something for less than its value. In the event of a loss, you shall be at risk of being penalized in the amount you are able to recover. In these circumstances, the insurer may choose to "apply average" to the claim under an "average clause". This means that where the sum insured is inadequate, the insurer can reduce its liability for a claim by applying a proportionate approach.

Suppose my building is insured under Fire insurance but I don't have any householders' insurance; and fire due to short circuit damages my property, can I claim entire damage from my building insurance?

Yes. If the fire damages the structure of your building, you could claim damages from the building insurance. Fire insurance only covers only damages to your house i.e the structure, and not the contents in it.

What is first loss basis?

The term “first loss” refers to a form of partial insurance in which a property is insured for an amount much less than the full value of the property. This provision is only given in burglary insurance, where there is very little possibility that all items within the property would be stolen at any one given time. For e.g., if there is burglary in a large retail store, everything in the store would not be taken but only up to a certain amount would be lost, and this is what would be covered in the first loss insurance policy. The amount is calculated based on what is believed would be the biggest loss possible at a single instance of burglary.

What is Home insurance Policy?

Home insurance is a Householders' package policy for your House (owned building) and its contents. It is an umbrella policy that offers covers that are suitable for a household. eg. Fire & Allied perils; Burglary and housebreaking, Breakdown of electrical appliances etc

Is it compulsory to buy all the covers?

No, only fire insurance for building and contents and burglary and house breaking covers are mandatory.

Can I only insure the home contents under the Home insurance policy, Contents, if I am a tenant?

Yes, if the house is for rent (not owned), then only contents of the house can be covered.

What is covered in the Burglary / Housebreaking section?

The home insurance policy provides protection against loss or damage to insured property due to burglary and housebreaking

How long will the policy protect me?

 Our Personal Cyber Risk Policy covers you for 1 year.

Who can buy this policy?

 If you are between the ages of 21-50, you can buy our policy.

What are malware attacks?

 Malware attacks are the most common form of cyberattacks. Malware can cause changes in your computer system without your consent. These attacks can hamper your privacy and can compromise your data. Fraudsters can also use it to extract money from you.

What is credit monitoring?

 Credit monitoring involves tracking someone’s credit history. This monitoring detects any suspicious transactions and activities.

What costs does the insurance policy cover?

 The policy covers defence costs, counselling services, direct financial loss, and IT consultation services.

How do I initiate a claim?

Option 1: You can either file an online claim (Link for claim form)

Option 2: You can call us at this toll-free number (*Contact Number).

Will the policy cover fraudulent credit card transactions?

 We provide personal card loss cover as an add-on cover. You will have to pay an additional premium to get the benefit.  

Can I port my existing high deductible policy to Future Advantage Top-up Policy?

Yes, Portability will be granted to Policy holders of a similar Health Policy of another Insurer to Future Advantage Top-up Policy. Insured may apply 45 days in advance of the policy renewal date, but not earlier than 60 days from the premium renewal date of his/ herexisting policy to avail portability benefits..

Can I cancel my policy and if yes will I get my premium back?

Yes, you can cancel the policy – Client will need to submit nil claim declaration against the said policy. However refund amount will depend on duration of coverage of policy period. No refund of premium shall be due on cancellation if the Insured Person has made a claim under this Policy.
In case the Policy Period is of one year, We shall refund premium on short term rates for the unexpired Policy.
In case the Policy Period exceeds one year, this Policy may be cancelled by You at any time by giving at least 15 days written notice to Us. We shall refund premium on a prorate basis by reference to the time period for which cover is provided, subject to a minimum retention of premium of 25%.
In case of Policy Period more than one year, with instalment premium, the Rate of Premium refunded on cancellation will be basis the Instalment Frequency & Cancellation request received.

Is there any provision of enhancing the Sum Insured after taking the policy?

No increase/ decrease in Sum Insured during the currency of the Policy. However increase/ decrease in Sum Insured and/or deductible or change in cover, can be requested at the time of Renewal of the Policy. You can submit a request for the changes by filling the Proposal before the expiry of the Policy.The enhancement is subject to underwriting guidelines and policy terms & conditions.

What is the policy Tenure?

The policy terms are 1 year, 2 years and 3 years.

What is the entry age under Future Advantage Top-up Product?

The product is offered from Day 1 to Lifelong

Can one take Future Advantage Top-up Policy as a stand-alone plan?

Yes, Future Advantage Top-up Policy can be taken as a stand-alone plan. It can also be taken along with other Health Insurance Policies (e.g. Future Health Suraksha) or Group Insurance Plans.

What is Future Advantage Top-up Policy?

Future Advantage Top-Up is a high deductible health insurance plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

Can Future Advantage Top-Up be availed by an NRI?

No, Future Advantage Top-Up can be availed by Indian National only.

Is there any waiting period in Future Advantage Top-up Policy?

Yes, there are waiting periods as detailed in the table below:

Waiting Period Diseases
30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
24 months *Pre-existing Disease/ conditions Internal Congenital Anomalies, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Fibromyoma, Endometriosis, Hysterectomy, all internal or external tumors/ cysts/ nodules/ polyps of any kind including breast lumps with exception of malignant tumor or growth, Surgery for Prolapsed Inter Vertebral Disc unless arising from Accident, any types of gastric or duodenal ulcers, stones in the Urinary and Biliary systems, Surgery on ears, Organ transplant, Rheumatoid Arthritis, Gout, Joint replacement Surgery due to Degenerative condition, Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is necessitated by accidental Bodily Injury.
48 months Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
What are the Discounts available in the product?

The Discounts available under the Future Advantage Top-up are

Family discount – 10% Family discount, in case if more than one insured covered under the same policy on individual sum insured basis. For the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult specified in the table below.

Family discount (Individual policies)
Age Bands Discount
<=70 10%
71-75 7.5%
76 And above 5%

Long term discount – Applicable in case of single premium payment for policy term of more than one year

 

Number of years Discount
1 year Nil
2 year 5%
3 year 10%

Loyalty discount – 2.5% loyalty discount if the client already has a separate health insurance policy (other than Future Advantage Top-up/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd. The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us. Please provide the policy copy to avail the discount. In case the policy copy is not submitted, discount shall not be allowed
Direct Sales Discount – A discount of 15% in lieu of intermediary commissions if policy is taken directly from the insurer and /or Online.
Plan Discount – If an Insured opts for Elite Plan, then a discount of 30% shall be available on the premium applicable for Supreme Plan

How is the premium charged in this policy?

Premium is charged on the basis of Age of Insured person, Sum Insured & Deductible opted.

What are the plans available Future Advantage Top-up Product?

Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
Elite Plan – includes cover for Cancer and ailments related to Heart

Do I need to undergo Medical tests for taking this policy?

Yes, Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.

What are the Sum Insureds and deductible available in this policy?
Sum Insured (in ₹ ) Deductible (in ₹)
1 L 2 L 3 L 4 L 5 L 7.5 L 10 L 15 L 20 L 30 L 40 L  
50000 v
100000 v v
150000 v
200000 v v v
300000 v v v v
500000 v v v v v v
750000 v v v v v
1000000 v v v v v v
1500000 v v v v v v v
2000000 v v v v v v v v
2500000 v v v v v v v v
3000000 v v v v v v
4000000 v v v v v v v
5000000 v v v v v v v
10000000 v v v v v v v
Are pre-policy tests charges reimbursed and what is the amount?

There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.

What is the difference between Future Health Surplus (Top-Up plan) and Future Advantage Top up (Super Top-up plan)?

Future Health Surplus (Top-Up plan) is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Future Advantage Top-Up (Super Top-up plan) is similar to top—up plan, except that in top-up plan the deductible is applied on each and every claim whereas in super top-up plan the deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

The illustration below will help you better understand how both these plans are beneficial.

Scenario Future Health Surplus (Top-up Plan) Future Advantage Top-up (Super Top-up Plan)
Policies Mr Gupta has a base health insurance policy of ₹ 5 lacs sum insured.
In case he buys a Future Health Surplus (Top-up) policy of ₹ 10 lacs Sum Insured with ₹ 5 lacs deductible In case he buys a Future Advantage Top-up (Super Top-up) policy of ₹ 10 lacs Sum Insured with ₹ 5 lacs deductible
Case 1: Single claim There is a single claim of ₹ 12 lacs a) Base health Insurance plan will cover ₹ 5 lacs.
b) Future Health Surplus (Top-up) policy will cover the remaining ₹ 7 lacs as it exceeds deductible (of ₹ 5 lacs).
a) Base health Insurance will pay ₹ 5 lacs.
b) Future Advantage Top-up (Super Top-up) policy will cover the remaining ₹ 7 lakhs as it exceeds deductible (of ₹ 5 lacs).
Case 2: Multiple claims There are 2 claims: (i) 1st claim of ₹ 4 lacs (ii) 2nd claims of ₹ 4 lacs a) Base health Insurance plan will cover ₹ 4 lacs for the 1st claim.
b) Base health Insurance plan will cover ₹ 1 lac for the 2nd claim.
c) There will be no claims pay-out from Future Health Surplus (Top-up) policy as the individual amount of claim does not exceed the deductible (of ₹ 5 lacs).
a) Base health Insurance plan will cover ₹ 4 lacs for the 1st claim.
b) Base health Insurance plan will cover ₹ 1 lac for the 2nd claim.
c) Future Advantage Top-up (Super Top-up) policy will cover the remaining ₹ 3 lakhs as the aggregate of both claims exceeds deductible (of ₹ 5 lacs)
Case 2: Multiple claims There are 2 claims: (i) 1st claim of ₹ 7 lacs (ii) 2nd claims of ₹ 4 lacs a) Base health Insurance plan will cover ₹ 5 lacs for the 1st claim.
b) Future Health Surplus (Top-up) policy will pay the remaining ₹ 2 lacs for the 1st claim.
c) No claim is payable for the 2nd claim as it does not exceed the deductible limit (of ₹ 5 lacs).
a) Base health Insurance plan will cover ₹ 5 lacs for the 1st claim.
b) Future Advantage Top-up (Super Top-up) policy will pay the remaining ₹ 2 lacs for the 1st claim.
c) Future Advantage Top-up (Super Top-up) policy will pay ₹ 4 lacs for the 2nd claim.
When I will be eligible for waiver of deductible?

You have an option to opt for waiver of the Deductible and opt for any indemnity health insurance policy (without any Deductible) offered by Us for the same Sum Insured without re-valuation of health status or any Pre-Policy check-up provided that:
You/ Insured Person has been insured with Us for the first time under this Policy before the age of 50 years and have Renewed with Us continuously and without any break in insurance for a minimum period of 5 years.
This option for waiver of Deductible can be exercised by You/ Insured person at Renewal when Your/ Insured Person’s completed age is within the age group of 54-60 years however only after being continuously renewed under this Policy without any break for a period of 5 years or more.

Do I get tax benefit under section 80D of IT act for premium paid to take Future Advantage Top-up Policy?

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Under what all circumstances, Future Generali can decline a claim, even though the treatment was genuine?

Product will cover claims of only those benefits that are mentioned in the Policy Wordings. Claims that are out of scope of the coverage / excluded in the product will get declined. Also in the event of misrepresentation, misdescription or non-disclosure of any material fact, fraud, Non-cooperation the claim will get declined.

Will I get a discount on renewal if no claim is made during the year?

We will provide cumulative bonus for every claim free year. We shall increase in the Sum Insured by 10% towards Cumulative Bonus for every claim free year on the basic Sum Insured up to the maximum of 50% of the sum insured.

What is deductible?

Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the insurance company will not pay for all the claims incurred in a policy year under the policy.

  • The Deductible will apply on Individual basis in case of Individual Policy and on family floater basis in case of Family Floater Policy.
  • A Deductible does not reduce the Sum Insured.
  • Example of Deductible:
    Insured A has policy (Policy Period - 1st Jan 2018 to 31st Dec 2018)

  Scenario 1 Scenario 2 Scenario 3
Sum Insured 500000 500000 500000
Deductible 100000 200000 300000
*Claim 1 75000 100000 100000
*Claim 2 125000
(Claim is for the same illness within 45 days)
125000 150000
*Claim 3 100000
(Claim is for ailment falling in 2 years waiting period)
100000 50000
*Claim 4 100000 500000 100000
Payable Amount for Claim 1 Nil Nil Nil
Payable Amount for Claim 2 100000 25000 Nil
Payable Amount for Claim 3 Nil
(As there is waiting period of 2 years)
100000 Nil
Payable Amount for Claim 4 100000 375000 100000
Remaining Sum Insured 300000 Nil 400000
Is there medical loading applicable under Future Advantage Top up?

Applicable based on health status of the proposed Insured person. Underwriting loading of premium will be applicable on the particular Insured’s premium in case of Individual policy and Floater policy

What are the Premium mode available under Future Advantage Top-up:

For 1-yearpolicy term, premium can be paid on:

  • annual basis

For 2 and 3 years policy term, premium can be paid on:

  • Single premium payment with Long term discount
  • Instalment basis - Half-yearly/ Quarterly/Monthly mode.

Please note instalment facility is currently available for policy terms of 2 years and 3 years only &Insureds have an option of paying premium on instalment basis.
Instalment Loading – Loading will be applicable on Standard premiums in case of instalments

Instalment frequency Loading on standard premiums
Monthly 5%
Quarterly 4%
Half-yearly 3%

In case of instalment, if monthly mode is opted, minimum 2 months premium needs to be collected for policy issuance.

Are Ayurvedic, Homeopathic,Unani treatments covered under the policy?

Yes, however the waiting period of 24 months will be applicable from inception of Your first Future Advantage Top-Up Policy with Us. We cover the Medical Expenses incurred under Alternative Treatment with respect to the Hospitalization under Ayurveda, Unani, Siddha or Homeopathy provided that the Treatment has been 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.

Can a newly married spouse/new born child be added in the Health policy?

Yes, A person may be added as an insured during the Policy Period after his application has been accepted by Us, an additional premium has been paid and Our agreement to extend cover has been indicated.

Is there any grace period available to renew the policy with a customer forgets to renew before the expiry date of the expiring policy

A Grace Period of 30 days is permissible for all policies. Policy will be considered as continuous for the purpose of all waiting periods and cooling off period. For Renewal Proposal received after completion of Grace Period of 30 days, all waiting periods would apply afresh.

What is the renewal age under Future Advantage Top-up Product?

Lifelong Renewability is available under Future Advantage Top-up.

Can I buy more than 1 policy?

No, one member cannot buy multiple policies.

Can I cover my parents, brothers and sisters as dependants?

Client can cover Up to 5 Dependent children and 2 dependent parents under Individual plan in the single policy.
Sisters and brothers cannot be covered as dependants.

Why should I prefer high deductible policy?

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy provide extra coverage at low premium and can be opted in combination with other Health Insurance Policies (e.g. Future Health Suraksha/ Health Total) to provide higher coverage at reasonable premium.

What should be my age if I want to buy this policy?

An individual of age 18 years can buy this policy.

Is pre and post hospitalisation covered under Future Advantage Top-up Policy?

Yes, pre (60 days) and post (90 days) hospitalisation is covered

Can I avail Future Advantage Top-up Policy as floater option?

Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.
Or, you can insure yourself, your spouse and 5 dependent children under a floater policy.

Can I port my existing high deductible policy to Health Surplus?

Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

Is there any waiting period in Health Surplus policy?

Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

Do I need to undergo Medical tests for taking this policy?

No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

What is Health Surplus Policy?

Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Is pre and post hospitalisation covered under Health Surplus?

Yes, pre (60 days) and post (90 days) hospitalisation is covered

What do you mean by per claim deductible?

It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

Can I avail Health Surplus as floater option?

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

If one takes a Health Surplus with Sum Insured of Rs. 5 lakhs and deductible of Rs. 2 lakhs, how much will he be paid if a claim arises?

The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

Can one take Health Surplus as a stand-alone plan?

Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans

Why should I prefer high deductible policy?

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

Do I get tax benefit under section 80D of IT act for premium paid to take Health Surplus?

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Will Future Generali pay my claim,in case I am discharged within 24 hours?

Yes,there is a list of 130 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

I am a healthy person I exercise too,why should I take health insurance?

Now is the best time to think about and take health insurance.Lifestyle diseases and accidents are the major causes of hospitalisation even in young people.In-fact nowadays,there is an increase in health insurance claims inthe age band of 36-45.

Will I get my entire claim in Cashless mode?

Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses.Other expenses like pre and post hospitalisation are paid in reimbursement mode.

I am the sole bread earner for my family,should I cover only myself under health insurance?

No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.

Moreover as per Company underwriting guidelines the complete family needs to be covered.

*Family means self,spouse and 2 dependent children

Can I avail tax benefits for health insurance policy?

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

What are the unique features of Future Generali Health Suraksha Policy?

Following four are unique features of Future Generali Health Suraksha:

  1. Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
  2. In event of hospitalisation of child up to 10 years,we pay additional benefit of Rs 500 per day during period of hospitalisation.
  3. In event of hospitalisation of insured above 60 years,we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
  4. If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

For more such features,please refer the plan overview.

I have just got married.Can I include my spouse in my health policy?

Yes. Newly married spouse can be added in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.In fact you can also include your new born child over 90 days in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

I don’t have taxable income,why should I buy health insurance?

Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance.However,this should not be the sole consideration for taking such important decision.

Do you offer any value added services to your policyholders?

Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

What are the renewal benefits of Future Generali Health Suraksha Policy?

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 50% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

What is covered under Health Insurance policy of Future Generali?

Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers.For detailed list of coverages,please refer the plan overview.

What is Co-payment? Which co-payments are applicable in Future Aarogya Bima policy?

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.

Co-Payments applicable under the policy are as given below:
1.As per the plan opted:

Plans Co-payment applicable
Plan A Mandatory co-payment of 10%
Plan B Mandatory co-payment of 10% and additional co-payment of 20%
Plan C Mandatory co-payment of 10% and additional co-payment of 30%
Co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

2.In case of admission in a room with rent higher than the entitled room limit

Co-payment in case of admission in room with higher room rent is as below
Sum insured ( in ₹) 200000 300000 500000
Applicable room rent 2000 3000 5000
above 2000 to 3000 15% 0% 0%
above 3000 to 5000 15% 15% 0%
above 5000 to 10000 15% 15% 15%
above 10000 15% 15% 15%
  • Room, Boarding and Nursing Expenses as provided by the Hospital/ Nursing Home up to 1% of Sum Insured per day or actual, whichever is lower.
  • During your hospital stay if at any time you are admitted in a Non-ICU room having room rent of more than the defined limit then the co-payment shall be applicable on the total hospitalisation admissible bill.
  • If a person is admitted in ICU any time during the hospitalisation and later shifted to Non-ICU room within the defined room rent limit, no co-payment shall apply and in case shifted to Non-ICU room with higher room rent limit, co-payment shall applicable on the total hospitalisation admissible bill.
  • If a person is admitted only in ICU during entire hospitalisation, we will pay up to actual expenses and no co-payment shall apply.
  • Reasonable and Customary charges would be applicable only in cases where the services (like Professional Fees, OT charges etc), applied are higher as compared to standard charges for the specific provider and consistent with the prevailing charges in the geographical area for identical or similar services, taking into account the nature of the illness/ injury involved.
  • What should be the age eligibility to buy Future Aarogya Bima Policy?

    For an individual, the minimum age at entry is 18 years to 70 years. For child, the minimum age at entry is Day 1 to 25 years.

    Do I need to undergo Medical tests for taking this policy?

    Yes, Pre-insurance medical examination is mandatory if the Insured’s age is above 50 years or if there is any adverse medical declaration in the proposal form.

    Is pre and post hospitalisation covered under Future Aarogya BimaPolicy?

    Yes, pre (60 days) and post (90 days) hospitalisation is covered Yes, pre (60 days) and post (90 days) hospitalisation is covered. However combined expenses for Pre and Post hospitalisation are limited up to 2% of Sum Insured opted for each hospitalisation as detailed below:

    Plan options available:

    Sum Insured (₹) 200000 300000 500000
    Combined limits for Pre- & Post-Hospitalisation (₹) 4000 6000 10000
    Can I avail Future Aarogya BimaPolicy as floater option?

    Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.

    Is there any waiting period in Future AarogyaPolicy?

    Yes, there are waiting periods as detailed in the table below:

    Plan options available:

    Waiting Period Diseases
    30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
    48 months Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
    24 months Internal Congenital Anomalies, Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids
    Do I get tax benefit under section 80D of IT act for premium paid to take Future Aarogya Bima Policy?

    Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

    What is Future Aarogya Bima Policy?

    Future Aarogya Bimais anaffordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime.

    Is there any sub limits applicable in Future Aarogya Bima policy?

    No, the Sub limits are not applicable in Future Aarogya Bima policy

    What are the Sum Insureds available in this product?

    The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 500000

    What do you mean by Survival period?

    Survival period means the insured survives for a period of more than or equal to 28 days from the date of the first diagnosis of the listed Critical illness/ Undergoing for the first time of the Surgical Procedures (under listed Critical illness).

    I have Health Insurance, why should I take separate Critical Illness policy?

    Critical Illness policy is a benefit policy which pays a lump sum amount on happening (diagnosis/surgery) of named critical illness. In contrast Health Insurance is an indemnity product which reimburses for incurred medical expenses with an option of cashless facility. Having both these covers is advisable to take care of any major financial crisis.

    Do I need to undergo medical tests for taking this policy?

    You are required to undergo medical test at our empanelled diagnostic centre.

    Can I get Critical Illness claim in cashless mode?

    No, the claim is paid on reimbursement basis. This being a benefit policy full sum insured is paid to the insured after survival period of 28 days.

    How many Illnesses are covered under your Criticare product?

    We cover 12 critical illnesses.

    1. Cancer
    2. First Myocardial Infraction
    3. Coronary Artery Bypass Graft (CABG)
    4. End Stage Renal Failure
    5. Major Organ Transplant
    6. Stroke
    7. Multiple Sclerosis
    8. Aorta Surgery Graft
    9. Primary Pulmonary Hypertension
    10. Coma
    11. Total Blindness
    12. Liver Failure

    Can I avail this policy under floater option / family plan?

    Yes, you can cover self, spouse, children and dependant parents under family plan.

    Does your policy have any death benefit?

    There is no death benefit under Critical illness policy

    What are Network /Non-network provider?

    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.

    What is a Co-pay? Is there any Co-payment associated with Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?

    Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. There is a 5% co-pay for each and every claim made under the policy.

    Do I need to undergo Pre-insurance medical examination for taking this policy?

    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.

    Are there any sub limits applicable in the product?

    Yes, following Sub limits are applicable under the policy:
    a. Room Rent – Up to 2% of SI, subject to max of INR 5,000 per day
    b. ICU charges – Up to 5% of SI, subject to max of INR 10,000 per day
    c. Modern treatment methods and Advancements in technology (for listed procedures): Up to 50% of the Sum Insured.
    d. Treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year.

    What are the Sum Insureds available in the product?

    You can opt for below sum insured options on individual and floater sum insured basis: ₹ 50000, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs, 8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs.

    What are the steps for submitting a claim?

    You may call on 1800 103 8889 to connect with our 24x7 call centre, or Fax us 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

    Can I get covered for treatment taken under Non-Allopathic systems of medicine?

    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.

    Why Should I choose Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?

    Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited is a standard Health Insurance Product with wider coverage for the whole family.

    Are there any waiting periods applicable?
    Waiting
    Period
    Diseases
    30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
    24 months Benign ENT disorders, Tonsillectomy, Adenoidectomy, Mastoidectomy, Tympanoplasty, Hysterectomy, All internal or external benign tumors, cysts, polyps of any kind, including benign breast lumps, Benign Prostate Hypertrophy, Cataract and age related eye ailments, Gastric/ Duodenal Ulcer, Gout and Rheumatism, Hernia of all types, Hydrocele, Non Infective Arthritis, Piles, Fissures and Fistula in anus, Pilonidal sinus, Sinusitis and related disorders, Prolapse inter Vertebral Disc and Spinal Diseases unless arising from accident, Calculi in urinary system, Gall Bladder and bile duct, excluding malignancy, Varicose Veins and Varicose Ulcers, Internal Congenital Anomalies
    48 months Age related Osteoporosis and Joint replacement treatment, all Pre-existing Diseases.
    Who will be paying for the Pre-insurance medical examination?

    If you are advised Pre-insurance medical examination, you 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 50% reimbursement by submitting the original payment receipt.

    What are the entry age limits under Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited?

    The minimum age required for entry is 3 months. The Maximum age for entry is 65 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

    Do I get any tax benefit if I purchase this policy?

    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 there on.

    What is Recharge of Sum Insured benefit?

    Recharge benefit is applicable for all plans, where the basic Sum Insured opted is ₹ 3 Lakhs and above. If the Basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims made and paid during the Policy Year, then the Su Insured will be automatically re-instated up to 100%, once in a policy year which is valid for that Policy Year only, subject to following conditions:
    a) A claim will be admissible under this Benefit only if the claim is admissible under In-patient Hospitalization or Day Care Treatment.
    b) The recharge shall be utilised only after the Sum Insured, Cumulative Bonus has been completely exhausted in that Policy Year.
    c) The recharge shall be available only for all future claims for that Insured Person during that Policy Year. (Irrespective of whether the claim is for the same ailment for which he/she has claimed).
    d) Cumulative Bonus shall not be considered while calculating the Recharge.
    e) Any unutilized recharge cannot be carried forward to any subsequent Policy Year.
    f) If the Policy is issued on Individual basis, then the recharge will be available to each insured person and can be utilised by Insured Persons who stand covered under the Policy before the Sum Insured was exhausted.
    g) If the Policy is issued on Floater basis, then the recharged sum insured will be available on Floater basis for all Insured Persons in the family.
    h) The waiting periods, the standard exclusions and the standard limits shall be applicable for the recharged sum insured.

    I am a healthy person I exercise too, why should I take health insurance?

    Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalization even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

    Is medical test applicable in the revised Future Health Suraksha?

    Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).
    If any of the member is of the age up to 55 years with sum insured up to ₹ 3 lacs then no pre-acceptance medical test is required.Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

    Are costs of medical test reimbursed if I undergo medical tests?

    Yes, 100 % cost of pre-policy checkup would be refunded if the proposal is accepted & policy is issued

    Will Future Generali pay my claim,in case I am discharged within 24 hours?

    Yes, there is a list of 409 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

    Will there be medicals for person’s renewal in revised Future Health Surakshafrom existing Future Health Suraksha?

    Medical tests will not be asked for at renewals if the renewal is as per exiting terms & conditions.

    Is there any Room Rent Capping in revised Future Health Suraksha policy?

    Yes there is Room Rent capping in following plans:
    a. Gold (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the SumInsured per day. All admissible claims under Room rent, Board & Nursing Expensesduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim.
    b. Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.

    Can I continue with the existing Future Health Suraksha policy& buy a revised Future Health Suraksha policy also?

    No, once the product is launched then the policies will be booked in revised Future Health Suraksha policy only.

    Is there any change in Cumulative Bonus in Revised Future Health Suraksha policy?

    No, Cumulative bonus is the 10% of base sum insured for every claim free year to maximum of 50%. The same will reduce by 10% in a year where claim is paid.

    Will I get my entire claim in Cashless mode?

    Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses. Other expenses like pre and post hospitalisation are paid in reimbursement mode.

    What is different in Future Health Suraksha revised policy?

    Revised Future Health Suraksha is designed to suit all your health care needs. It provides a range of benefits to ensure that you are covered for the larger expenses related to illness/ surgery with additional coverages like reinstatement of Sum Insured, ambulance charges, organ donor expenses and many more.

    Which family members can be covered in revised Future Health Suraksha policy?

    Self, Spouse, up to 4 dependent children up to the age of 25 years and 2 dependent parents can be covered under the Individual Policy. Self, Spouse, up to 3 dependent children up to the age of 25 years can be covered under Family Floater Policy.

    I am the sole bread earner for my family,should I cover only myself under health insurance?

    No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.
    Moreover as per Company underwriting guidelines the complete family needs to be covered. * Family means Self, Spouse and up to 4 dependent children up to the age of 25 years and 2 dependent parents in the Individual Policy. Or Self, Spouse and up to 3 dependent children up to the age of 25 years in the Family Floater Policy.

    Is there any sum insured restriction above 55 years in the revised Future Health Suraksha policy?

    No there is no sum insured restriction above 55 years in the revised Future Health Suraksha policy

    I don’t have taxable income, why should I buy health insurance?

    Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance. However, this should not be the sole consideration for taking such important decision.

    Can I avail tax benefits for health insurance policy?

    Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

    What are the unique features of Future Generali Health Suraksha Policy?

    Following four are unique features of Future Generali Health Suraksha:
    1.Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of ₹ 1 lakh.
    2. In event of hospitalisation of child up to 10 years, we pay additional benefit of up to ₹ 500 per day during period of hospitalisation.
    3. In event of hospitalisation of insured above 60 years,we pay additional benefit of
    a) up to a maximum of ₹500 per day towards nursing charges incurred at home post discharge from hospital for Gold or Platinum Plan, or
    b) up to a maximum of ₹ 350 per day towards nursing charges incurred at home post discharge from hospital for Topaz or Ruby Plan.
    4. If insured opts for Sum insured of equals to or more than ₹ 6 lakhs in Platinum or Ruby Plan,we pay additional benefit of ₹ 500 per day during period of hospitalisation.
    5. Recharge Benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Sum Insured (equal to 100% of the Sum Insured) will be automatically restored for the particular Policy Year subject to policy terms and conditions. For more such features,please refer the plan overview.

    Can we choose separate plans and separate sum insured for different family members under revised Future Health Suraksha policy?

    Yes, one choose separate plans and separate sum insured for different family members provided the sum insured of self is higher than dependents.

    Can I enhance my sum insured at Renewal under Revised Future Health Suraksha policy?

    Yes you can enhance your sum insured, in case of claim or any health declaration the enhancement will be accepted subject to underwriting approval

    How will the premium charged in case of Family Floater policy?

    For family floater policy, the premium is charged as per the highest age in the family & as per the plan opted.
    e.g. If the proposal is of Self + Spouse for 2lacs, the proposer is wife of age 25years & husband as dependant of 30years, the premium would be calculated as per the highest age band, i.e. husband’s age would be considered for premium calculation.

    How is the premium charged under revised Future Health Suraksha policy?

    The premium Premium will be calculated based on the Sum Insured opted, Age and Zone (Default Zone of Cover will be based on location of Your residence).There are three zones – Zone A,Zone B and Zone C.

    Zone Classification Areas covered
    Zone A Mumbai, Navi Mumbai, Thane, Panvel, Delhi & NCR, Gujarat, Bangalore, Kolkata, Chennai, Hyderabad, Pune
    Zone B Nagpur, Chandigarh, Lucknow, Ludhiana, Jalandhar, Jaipur, Bhopal, Indore, Coimbatore, Mangalore, Mysore
    Zone C Rest of Location

    *Please note the Cities/Towns that fall under respective Zones shall be identified as per the updated/ latest Jurisdiction defined by Government.

    I have just got married.Can I include my spouse in my health policy?

    Yes. Newly married spouse can be added in the policy subject to nil adverse health declarations.
    Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.
    In fact you can also include your new born child over 90 days in the policy subject to nil adverse health declarations. Premium will be charged on pro rata basis. Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.

    What is the Road Ambulance coverage in revised Future Health Suraksha policy?

    In the existing Future Health Suraksha road ambulance was ₹ 1500/- per hospitalization. However the same is now revised to
    a. ₹ 2000/- per hospitalization for Gold and Platinum plans
    b. ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period for Topaz and Ruby plans

    What is the policy period in Future Health Suraksha revised policy?

    Policy can be taken for 1 year/ 2 years/ 3 years.

    How will cumulative bonus be calculated in long term policies?

    Cumulative bonus will be calculated on annual basis for long term polices same will reflect on the renewal notice

    Are there any Sub-limits in revised Future Health Suraksha?

    Yes there are sub limits –

    a) Room rent, Board & Nursing Expenses for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the Sum Insured per day. All admissible claims under Room rent, Board & Nursing Expenses sectionduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim. b) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Feesfor Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 35% of the Sum Insured (excluding Cumulative Bonus) per claim.
    c) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any Medical expenses incurred which is integral part of the operation for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 40% of the Sum Insured (excluding Cumulative Bonus) per claim.
    d) Hospital cash benefit for Platinum plan – ₹ 500/- per day, up to 60 days.
    e) Patient care benefit for Gold and Platinum plans –₹ 500/- per day, maximum up to 10 days and 30 days in a policy period.
    f) Accompanying Person for Gold and Platinum plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
    g) Ambulance chargesfor Gold and Platinum plans – ₹ 2000/- per hospitalization.

    Future Health Suraksha – Topaz and Ruby Plans

    a) Room rent, Board & Nursing Expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.
    b) Pre-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
    c) Post-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
    d) Hospital cash benefit for Ruby plan – ₹ 500/- per day, up to 60 days.
    e) Patient care benefit for Topaz and Ruby plans –₹ 350/- per day, maximum up to 10 days and 30 days in a policy period.
    f) Accompanying Person for Topaz and Ruby plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
    g) Ambulance chargesfor Topaz and Ruby plans – ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period.
    h) Disease wise sub-limits for Topaz and Ruby plans

    Sub-limits table applicable for Topaz and Ruby Plans
    Procedure/ Treatment Topaz Plan Topaz Plan Topaz Plan Ruby Plan
     
    1,00,000
    2,00,0003,00,000 4,00,0005,00,000 6,00,0007,50,00010,00,000
    Cataractsurgery (per eye) 10000 20000 30000 40000
    Hysterectomy 20000 35000 45000 55000
    Gall Bladderremoval 20000 35000 45000 55000
    Surgery onpiles 15000 20000 30000 40000
    SurgeryFissure, Fistula, Sinus 15000 20000 30000 40000
    Surgery ofDeviated Nasal Septum correction 15000 20000 30000 40000
    Angiographyinvasive 10000 15000 20000 30000
    PercutaneousTransluminal Coronary Angioplasty (PTCA) 40000 80000 120000 150000
    Appendectomy 20000 30000 40000 50000
    Hernia 20000 30000 40000 50000
    Surgery ofrenal stone/ Lithotripsy 20000 30000 40000 50000
    ProstateSurgery TURP 30000 75000 100000 120000
    CoronaryArtery Bypass Grafting (CABG) 80000 100000 150000 200000
    Total KneeReplacement (per knee) 40000 80000 120000 150000
    Total HipReplacement (per hip) 40000 80000 120000 150000
    Tonsillectomy/Adenoidectomy 15000 25000 35000 45000
    Transplantsurgery(this includes total cost of organ donor surgery, recipient surgery andhospitalisation) 80000 100000 150000 200000
    Dialysis(policy limit) 10000 15000 20000 30000
    What are the Sum Insured options in Future Health Suraksha revised policy?

    There are 4 plans in revised Future Health Suraksha policy and the Sum Insured are as per the Plan opted.

    Plans Sum Insured options (in ₹)
    Gold Plan 50000, 1 L, 1.5 L, 2 L, 2.5 L, 3 L, 3.5 L, 4 L, 4.5 L, 5 L
    Platinum Plan 6 L, 7.5 L, 8 L, 9 L, 10 L
    Topaz Plan 1 L, 2 L, 3 L, 4 L, 5 L
    Ruby Plan 6 L, 7.5 L, 10 L
    Is medical health check-up available in revised Future Health Suraksha policy?

    Yes, at the end of every continuous period of 4claim free years.

    Are there any discounts under the Revised Future Health Suraksha policy?

    Yes there are discounts under the Revised Future Health Suraksha policy and some are new addition w.r.t existing Future Health Suraksha policy 1. Family Discount- Family discount of 10% is applicable in case more than one family member is covered on individual sum insured basis in the same policy, except for the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult as per below table: Age Bands Discount

    Age Bands Discount
    =65 10.0%
    66-70 7.5%
    71-75 5.0%
    76 & above 4.0%

    2. Long term Discount (on single premium payment) –
    a) 5% discount is applicable if policy is opted for 2 years
    b) 10% discount is applicable if policy is opted for 3 years
    3. Loyalty Discount – 2.5% discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident /Travel) from Future Generali India Insurance Co. Ltd.The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us

    What are the new coverage benefits in revised Future Health Suraksha policy as compared to existing Future Health Suraksha policy?

    Organ Donor Expenses, Recharge of Sum Insured benefit are newly added features in revised Future Health Suraksha policy.

    What is the limit of Day Care procedures?

    There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.

    What is Organ Donor expenses?

    This is a new addition of benefit in revised Future Health Suraksha policy. In this we will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.

    What is maximum Renewal age under the policy?

    Renewal is for Lifetime. For Dependent Children– Renewal in same policy is up to 25 years. Once the dependent child crosses the age of 25 years, the child will have to take separate policy as proposer.

    What are the renewal benefits of Future Generali Health Suraksha Policy?

    If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 100% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

    Is revised Future Health Suraksha an Individual or Family Floater policy?

    Policy provides Individual as well as Family Floater Sum Insured basis for following Sum Insured options.

    Plans Sum Insured options (in ₹) Plan options available
    Gold Plan 50000, 1 L, 1.5 L Individual basis
    2 L, 2.5 L, 3 L, 3.5 L, 4 L, 4.5 L, 5 L Individual and Family Floater basis
    Platinum Plan 6 L, 7.5 L, 8 L, 9 L, 10 L Individual and Family Floater basis
    Topaz Plan 1 L Individual basis
    2 L, 3 L, 4 L, 5 L Individual and Family Floater basis
    Ruby Plan 6 L, 7.5 L, 10 L Individual and Family Floater basis
    What are the waiting periods in revised Future Health Suraksha policy?

    There are following waiting periods in the revised Future Health Suraksha policy

    Waiting Period Diseases
    30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
    12 months Any medical expenses in connection with any types of gastric or duodenal Ulcers, stones in the Urinary and Biliary systems, Surgery on ears/ tonsils/ adenoids
    24 months Congenital Internal Illness/ disease/ defect anomaly, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Surgery of Varicose Veins, Varicose Ulcers, Hysterectomy, Surgery for prolapsed inter vertebral disc unless arising from Accident etc
    36 months Any medical expenses in connection with Organ transplant, Joint replacement Surgery due to Degenerative condition
    48 months Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
    Will the Cumulative Bonus passed from existing Future Health Suraksha to Revised Future Health Suraksha at renewal?

    Yes the cumulative bonus will be passed from existing Future Health Suraksha to Revised Future Health Suraksha.

    What is covered under Health Insurance policy of Future Generali?

    Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers. For detailed list of coverage's, please refer the plan overview.

    What are common Vector-borne diseases in India?

    Some of the common Vector-borne diseases in India include Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, Zika Virus.

    What are the Sum Insureds available in this policy?

    The Sum Insured options available under this product are ₹ 10000, ₹ 25000, ₹ 50000 and ₹ 75000

    What are the conditions covered under this policy?

    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:

    i. Malaria

    ii. Dengue

    iii. Lymphatic Filariasis

    iv. Kala-azar

    v. Japanese Encephalitis

    vi. Chikungunya

    vii. Zika Virus

    How is the premium charged in this policy?

    Premium is charged on the basis of Sum Insured opted.

    What is the meaning of the term ‘Vector’ and ‘Vector-borne diseases’?

    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.

    Are there any exclusions in this plan?

    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.

    Is the cashless facility available in the product?

    No, cashless facility is not available in this product. Claims payment is only on reimbursement basis.

    Can I also cover my family under this policy?

    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.

    Is there any waiting period in this policy?

    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.

    What should be my age if I want to buy this policy?

    An individual of age 18 years to 65 years can buy this policy without any medical tests on annual basis.

    I am a healthy person I exercise too, why should I take health insurance?

    Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalisation even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

    Will Future Generali pay my claim,in case I am discharged within 24 hours?

    Yes, there is a list of 130 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

    Will I get my entire claim in Cashless mode?

    Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses.Other expenses like pre and post hospitalisation are paid in reimbursement mode.

    I am the sole bread earner for my family, should I cover only myself under health insurance?

    No, ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.

    Moreover as per Company underwriting guidelines the complete family needs to be covered.

    *Family means self,spouse and 2 dependent children

    I don’t have taxable income, why should I buy health insurance?

    Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance. However, this should not be the sole consideration for taking such important decision.

    Can I avail tax benefits for health insurance policy?

    Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

    What are the unique features of Future Generali Health Suraksha Policy?

    Following four are unique features of Future Generali Health Suraksha:

    1. Enhancement of 25% of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
    2. In event of hospitalisation of child up to 10 years, we pay additional benefit of Rs 500 per day during period of hospitalisation.
    3. In event of hospitalisation of insured above 60 years, we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
    4. If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

    For more such features,please refer the plan overview.

    Do you offer any value added services to your policyholders?

    Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

    What are the renewal benefits of Future Generali Health Suraksha Policy?

    If there is no claim during the policy period,10% additional sum insured(Cumulative bonus)is added at renewal. Maximum accumulation of 50% cumulative bonus is allowed.In event of claim 10%is reduced however the basic sum insured is always protected.

    What is covered under Health Insurance policy of Future Generali?

    Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers. For detailed list of coverages, please refer the plan overview.

    Is there any Cumulative Bonus available in this policy?

    Yes, for every continuous and claim free year, 5% increase in the Base Sum Insured will be available, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.

    What is the ideal Sum for which I should insure under Saral Suraksha Bima, Future Generali India Insurance Company Limited?

    This depends on your risk perception and cover under Saral Suraksha Bima is made available based on your current income. Base cover is given up to 144 x (times) your monthly income.

    How many family members can be covered under a single proposal?

    Self, spouse, Parents and Parents in-law, and dependent children can be covered in a single Saral Suraksha Bima policy.

    Is it necessary to inform the insurance company if there is a change in my job profile / occupation after taking the policy?

    Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal Form. If not disclosed within the said period, then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.

    Can my dependent wife and child of 20 years get Weekly compensation benefit?

    No, weekly compensation benefit is given to earning people only however benefit up to Rs. 0.2% of base sum insured per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Saral Suraksha Bima.

    I already have Life Insurance, why do I need a separate Personal Accident cover?

    You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy.you may opt for Weekly compensation for Accidental Temporary Disability, Education Grant and Hospitalisation Expenses due to Accident. covers.

    What is the age eligibility to get covered under Saral Suraksha Bima?

    Individuals from age 18 years to 70 years can opt for Saral Suraksha Bima, Future Generali India Insurance Company Limited. Children from age 3 months to 25 years can opt as a dependent.

    Can I select amongst the different coverage options available or do I get fixed combination of covers?

    At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per income.

    How will I be covered for "Hospitalisation expenses due to accident" in Saral Suraksha Bima?

    Hospitalisation expenses due to accident are paid for inpatient treatment on reimbursement basis.

    I am travelling abroad, will my Saral Suraksha Bima cover me in case of any eventualities?

    Yes, the coverage under Future Generali’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.

    Is terrorism or terrorist attacks covered under Saral Suraksha Bima?

    Nuclear, chemical and biological terrorism is not covered under Saral Suraksha Bima

    What are the unique coverage options offered by Future Generali, If any?

    Apart from base covers viz. Accidental death, Permanent Total disability, Permanent Partial disability; Future Generali offers optional covers like and Temporary Total Disability, Education Grant and Hospitalisation Expenses due to Accident benefit to choose from.

    What is the maximum renewal age?

    Maximum renewal age up to 70 years.

    Can I avail Tax benefits under Saral Suraksha Bima?

    Tax benefits are not available under Saral Suraksha Bima.

    Who is eligible for the policy?

    The loan borrowers of banks and financial institutions, will be eligible for the policy. The minimum age for taking this policy is 18 years to maximum 65 years and is renewable up to 70 years.

    What are the 18 Critical illnesses covered under this Policy?

    The following Critical Illnesses are covered under the policy:

    (A) First Diagnosis of the below-mentioned Illnesses

    • Cancer of specified severity.
    • Kidney failure requiring regular dialysis (End Stage Renal Failure).
    • Multiple Sclerosis with persisting symptoms.
    • Benign Brain Tumor.
    • Parkinson’s Disease.
    • End Stage Liver Disease.
    • Alzheimer’s Disease.

    (B) Undergoing for the first time of the following surgical procedures

    • Major Organ / Bone Marrow Transplant.
    • Open Heart Replacement or Repair of Heart Valves (Heart Valve Replacement).
    • Open Chest CABG (Coronary Artery Bypass Graft).
    • Surgery of Aorta.

    (C) Occurrence for the first time of the following medical events

    • Stroke resulting in permanent symptoms.
    • Permanent Paralysis of limbs.
    • Myocardial Infarction (First Heart Attack of specified severity).
    • Coma of Specified Severity.
    • Major Burns.
    • Deafness.
    • Loss of Speech.
    Do I need to undergo any medical check-up before getting enrolled under the policy?

    Yes, Medical test will be required for all the Insured(s) who are above age of 50 years.

    What are the exclusions under the Policy?

    The Company shall not be liable to make any payment directly or indirectly arising out of the following events:

    A. Critical Illness

    Pre-Existing Illness/ Disease. Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy. Any external congenital Illness or condition or birth defects. Pregnancy, child birth. Any Critical Illness arising out of use, abuse or consequence or influence of any substance (substances that are abuse like illegal drugs, opioids, marijuana etc.), intoxicant, drug, alcohol or hallucinogen. Any sexually transmitted diseases, AIDS etc. Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.
    B. Personal Accident

    Pre-Existing Illness/ Disease. Accidental death or permanent disability due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by the mental reaction to the same. Suicide or attempted Suicide. Intentional self-inflicted injury. Working in underground mines, tunnelling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaged in Hazardous Activities.
    C. Loss of Job

    In the event of termination, dismissal, temporary suspension or retrenchment from employment of the Insured person being attributed to dishonesty or fraud or poor performance The Company shall not be liable to make any payment under this Policy in connection with or in respect of:
    Self-employed persons; Any claim relating to unemployment from a job which is casual, temporary, seasonal or contractual in nature or any claim relating to an employee not on the direct rolls of the employer; Any voluntary unemployment; Unemployment at the time of inception of the Policy Period or arising within the first 90 days of inception of the Policy Period.
    Any unemployment from a job under which no salary or any remuneration is provided to the Insured person. Any suspension from employment on account of any pending enquiry being conducted by the employer/ Public Authority. Any unemployment due to resignation, retirement whether voluntary or otherwise. Any unemployment due to non-confirmation of employment after or during such period under which the Insured was under probation.

    Is Temporary Total Disablement (TTD), Permanent Partial Disablement (PPD) is also covered under Personal Accident benefit of this Policy?

    No, Personal Accident benefit covers only – Accidental Death or Permanent Total Disablement (PTD) due to accident under this policy.

    What is covered in Loss of Job cover under this Policy?

    Loss of Job is an optional cover and can be opted by salaried members only.
    Insured event , under Loss of Job cover in relation to any Insured Person shall mean termination from employment of the Insured Person or lay off, his permanent dismissal or retrenchment from employment imposed on him by the employer due to any of the following:

    First time diagnosis of any of the covered critical Illness for which a claim is admissible and payable under Critical Illness, during the policy period, or

    Permanent Total Disability occurring due to an accident during the policy period for which a claim is admissible and payable under Personal Accident- Death and Disability.

    Please refer policy wordings for detailed definitions of the covers and exlcusions.

    Am I entitled for cover immediately after I take my policy?

    There is a waiting period of 90 days in case of Critical illness and loss of Job covers i.e. the critical illness discovered or discoverable within 90 days from the inception of the Policy shall not be covered. Loss of Job occurring within the first 90 days of the policy is not payable.
    There will be no waiting period for Personal Accident cover (Accidental Death and/ or Permanent Total Disablement).

    Will I be able to take a policy for more than 1 year?

    The Policy can be taken for tenure of 1, 2, and 3 years.

    How Surakshit Loan Bima is different from a health insurance policy?

    Surakshit Loan Bima is a benefit policy that pays lump-sum amount on occurrence of the event to the insured. The lump-sum amount helps the insured i.e. loan borrowers of banks and financial institutions to guard him/ her and their family against the trauma they face for repayment of loan in the event of unfortunate incidences.
    The Health insurance policy reimburses the actual medical expenses incurred by the insured during hospitalization up to the Sum Insured amount.

    Can Loss of Job cover be opted by any insured person?

    No, only salaried members can opt for Loss of Job cover. In case where Loss of Job is not opted, the member will get a premium discount of 10%.

    Is natural death is covered in this Policy?

    No, this policy doesn’t cover natural death. The policy covers death due to an accident and critical illness specified in the policy.

    What is Surakshit Loan Bima policy?

    Surakshit Loan Bima is a policy designed for the loan borrowers of banks and financial institutions. This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences which includes:
    Maximum 18 listed Critical Illnesses
    Personal Accident – Accidental Death, or Permanent Total Disablement (PTD) due to accident
    Loss of Job (Optional cover) – can be opted for only Salaried Employees

    How many insured persons can be covered in a single proposal?

    This product will be offered on individual Sum Insured basis, covering up to a maximum of 4 applicants (1 main applicant and maximum 3 co-applicants).

    Are there any sub limits applicable under Health Super Saver?

    Yes, 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)

    What is Home Care Benefit under Health Super Saver?

    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 are Network /Non-network provider?

    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.

    Do I need to undergo Pre-insurance medical examination for taking this policy?

    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.

    How do I avail, Super Saver discount under Health Super Saver?

    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.

    Is cashless mode of claim settlement available for Health Super Saver?

    Yes, cashless facility is available for health Super Saver.

    What are the steps for submitting a claim?

    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

    Can I get covered for treatment taken under Non-Allopathic systems of medicine?

    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.

    Are there any waiting periods applicable?
    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.
    Who will be paying for the Pre-insurance medical examination?

    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.

    What are the Sum Insured options available in the product?

    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.

    Why Should I choose Health Super Saver insurance?

    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.

    What is the policy term available under Health Super Saver?

    Health Super Saver is offered on an Annual term basis.

    Is pre and post hospitalisation covered under Health Super Saver?

    Yes, pre (60 days) and post (90 days) hospitalisation is covered under Health Super Saver.

    What are the entry age limits under Health Super Saver insurance?

    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.

    What are the plan options available under Health Super Saver?

    There are 2 plans in Health Super Saver:
    Health Super Saver 1 X plan
    Health Super Saver 2X plan

    Do I get any tax benefit if I purchase this policy?

    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.

    Can I avail Future Varishta Bima Policy as floater option?

    Yes, you can insure yourself and your spouse under a floater policy.

    What should be the age eligibility to buy Future Varishta Bima Policy?

    An individual of age 60 years and above can buy this policy. In case of Individual policy, we shall not be able to offer cover to the spouse of age less than 60 years. However he/ she can still be covered under Family Floater option, provided the age of Self (primary insured) is 60 years and above.

    Do I need to undergo Medical tests for taking this policy?

    Yes, Pre-insurance medical examination is mandatory for Sum Insured 7.5 L and 10 L or if there is any adverse medical declaration in the proposal form.

    Is there any waiting period in Future Varishta Policy?

    Yes, there are waiting periods as detailed in the table below:

    Plan options available:

    Waiting Period Diseases
    30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury
    12 months Pre-existing conditions
    24 months Internal Congenital Anomalies, Varicose veins and Varicose ulcers, all diseases of Prostate, all types of Hernia, Varicocele, Hydrocele
    48 months Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
    Is there any sub limits applicable in Future Varishta Bima policy?

    Yes, the Sub limits are applicable for specified procedures under this policy as per the table below:

    Sub-limits on listed procedures (All values are in INR.)
    Procedure/ Treatment 2 L 3 L 4 L 5 L 7.5 L 10 L
    Coronary Artery Bypass Grafting (CABG) 150000 200000 225000 275000 300000 350000
    Percutaneous Transluminal Coronary Angioplasty (PTCA) 150000 200000 225000 275000 300000 350000
    Cataract surgery (per eye) 15000 18000 20000 21500 23000 25000
    Total Knee Replacement (per knee) 150000 200000 225000 275000 300000 350000
    Total Hip Replacement (per hip) 150000 200000 225000 275000 300000 350000
    Note:
    a) In case of claim for specified illness, the maximum liability of claim payment (including pre and post hospitalisation), shall be limited to the amount mentioned in the sublimit table.
    b) Co-payments will not be applicable in case there is a claim for the listed procedures.
    What is Future Varishta Bima Policy?

    Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.

    Is pre and post hospitalisation covered under Future Varishta Bima Policy?

    Yes, pre (60 days) and post (90 days) hospitalisation is covered. However combined expenses for Pre and Post hospitalisation are limited up to 2% of Sum Insured opted maximum up to ₹ 10000 for each hospitalisation as detailed below:

    Plan options available:

    Sum Insured (₹) 200000 300000 400000 500000 750000 1000000
    Combined limits for Pre- and Post-Hospitalisation (₹) 4000 6000 10000 10000 10000 10000
    What is Co-payment? Which co-payments are applicable in Future Varishta Bima policy?

    Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.

    Co-Payments applicable under the policy
    i.50% co-payment is applicable on each and every claim related to Pre-existing disease, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
    ii.25% co-payment is applicable on each and every claim for all other claims, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. However the Insured have an option to waive off this co-payment on payment of additional premiu

    Do I get tax benefit under section 80D of IT act for premium paid to take Future Varishta Bima Policy?

    Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

    What are the Sum Insureds available in this product?

    The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 400000, ₹ 500000, ₹ 750000, ₹ 1000000

    How is premium calculated?

    In case of Individual policy it is as per the age band and the sum insured selected by the customer.

    In case of family floater the premium for the primary insured remains at actuals from the individual table. For remaining dependent members discounts applicable on their respective premium is as table below.

    Age Band Discount Rates Age Band Discount Rates
    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% 81-85 20%
        >85 20%
    Why choose Health Total?

    Comprehensive cover
    Hospitalization Medical Expenses,Day Care Treatment expenses,Pre-hospitalization Medical Expenses,Post-hospitalization Medical Expenses,Restoration of the Sum Insured,Maternity Expenses,Organ Donor Expenses,Road Ambulance Charges,Domiciliary Hospitalisation Expenses,New Born Baby (applicable for Superior Plan and Premiere Plan),Alternative Treatment,Wellness Care,Cumulative Bonus,100% Reimbursement of cost of pre insurance medical examination upon acceptance of proposal,Cover up to 15 family members under Superior and Premiere plan,Patient Care,Accidental Hospitalization (Increase in sum insured),Accompanying Person,Emergency medical Evacuation (applicable for Superior Plan and Premiere Plan),Out Patient Medical Expenses (applicable for Superior Plan and Premiere Plan),Child Vaccination Benefits (applicable for Premiere Plan),E-Opinion in respect of an Illness or Injury,Medical Treatment Abroad (applicable for Premiere Plan)

    Optional Covers
    You get Long term discount if you pay premium for more than one year.,You get discounts in premium if you choose to opt voluntary deductible are chosen.

    Will you get discount if you are insuring more than one family member in the same policy?

    Yes 10 % Family discount will be given under Individual Health Total in case insured members are more than one under a policy. No family discount is applicable for floater policy.

    Is there any grace period available to renew the policy when a customer forgets to renew before the expiry date of the expiring policy?

    In case of our renewal a grace period of 30 days is permissible and the Policy will be considered as continuous for the purpose of all waiting periods and health check-up benefits. However, We shall not provide coverage under the Policy to the Insured Persons for any Illness or Injury that occurs during the break period or for any claim which arises during the break period.

    What other assistance is available on call center?

    Call Centre will assist you with emergencies, your eligibility and status, documentation support and general information on the health policy. Call center will not impart any medical advice on the telephone.

    What is the family definition?

    Vital Plan: Self, spouse, dependent children and dependent parents.Children will be covered as dependents up to 25 years of age.

     

    Superior and Premiere Plan: Self, spouse, dependant or non-dependent children, dependent or non-dependent parents, Dependent Siblings, daughter in law, son in law, parents in law, grandparents and grandchildren.

    What is Day Care Procedure?

    Day care Procedure means the course of medical treatment or a surgical procedure listed in the Policy wordings which requires less than 24 hours admission. This excludes all procedures or treatment taken in out- patient departments.

    What is the sublimit for surgery on cataract?

    Our obligation to make payment in respect of Surgery for cataracts (after the expiry of the two years waiting period), shall be restricted to 10% of the Sum Insured for each eye, and a maximum of Rs.1,00,000/- per eye.

    What do terms Cashless Facility and Claim Reimbursement mean?

    The cashless facility can be availed in case of admission in network hospitals. If the policy holder presents the heath card or cashless card at the network hospital, the hospital authorities contact us and provide the details of the hospitalization. If the illness is covered as per the policy terms and conditions Authorization letter is issued to the hospital. The hospital sends all the bills and documents to us for settlement. The insured has to pay the non-admissible expenses to the hospital.

    Claim-Reimbursement
    If the admission is in Non-network hospital then you need to settle the hospitals bills & submit the hospitalization documents along with the claim form for reimbursement of hospitalization expenses.

    What do we mean by cumulative bonus? How much bonus is offered under Health Total?

    Cumulative Bonus means any increase in the sum insured granted by the insurer without an associated increase in premium.

    If no claim has been made in respect of any Benefits with the exception of any claim under Benefit 13 (OPD Treatment) and the Policy is Renewed with Us without any break, We will apply a bonus to the next Policy Year by automatically increasing the Sum Insured for the next Policy Year by 50% of the Sum Insured for this Policy Year. The maximum bonus for any Policy Year will not exceed 100% of the Sum Insured of the first Policy Year.

    If a Cumulative Bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the Cumulative Bonus by 50% of the Sum Insured in the following Policy Year. However this reduction will not reduce the Sum Insured below the base Sum Insured of the Policy.

    Whom can I keep as my nominee?

    A nominee can be spouse, children or parents.

    Does Health Total cover Senior Citizens?

    Yes Senior citizens can apply for the cover as there is no limit on entry age.

    Are all the systems of medicine covered under this insurance plan ?

    Hospitalization under Ayurveda, Unani, Siddha, or Homeopathy (AYUSH ) are covered provided that the treatment has been undergone in a government hospital or in any institute recognized by government and / or accrediated by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.

    Is there any tax benefit?

    Yes. Premium paid by any mode other than Cash / DD under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

    What do you mean by Restoration benefit?

    If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims incurred and paid during the Policy Year or incurred during the Policy Year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year, provided that:

    The Restore Sum Insured will be enforceable only after the Sum Insured and the Cumulative Bonus have been completely exhausted in that Policy Year;

    The Restore Sum Insured can only be used for claims made by the Insured Person in respect of Benefits 1-4 (refer policy wordings).

    The Restore Sum Insured cannot be used for claims based on Maternity Expenses/Treatment;

    The Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an Illness (including its complications) for which a claim has been paid in the current Policy Year under Benefits 1-4(refer policy wordings).

    Only the Sum Insured (excluding Cumulative Bonus) will be considered as Restore Sum Insured;

    The Restore Sum Insured will only be applied once for the Insured Person during a Policy Year;

    If the Restore Sum Insured is not utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.

    If the Policy is opted by You on a ‘Family Floater’ basis as specified in the Schedule, then the Restore Sum Insured will only be available in respect of claims made by those Insured Persons who were Insured Persons under the Policy before the Sum Insured and Cumulative Bonus was exhausted.

    What is dependent sum insured criteria?

    In case of individual Sum Insured option, dependents sum insured can be upto two Sums Insured lower than Self /Proposer’s sum insured

    How do I decide on an appropriate cover amount?

    You can choose from 3 plan types ( Vital, Superior and Premier).

    Plan - Sum insured (in Rs )
    Vital - 3, 5, 10 lakhs
    Superior - 15, 20, 25 lakhs
    Premiere - 50 lakhs, 1 Crore.

    What are the entry age limits under Health Total?

    The minimum age required for entry is 1 day. There is no limit of Maximum age for entry. Children will be covered as dependents up to 25 years of age.

    What do you mean by in-patient and out-patient Treatment?

    When an insured is hospitalized and stays in hospital for more than 24 hours solely for receiving treatment it is termed as inpatient treatment.

    Out-patient treatment is when insured visits a clinic/hospital or a consultation room for diagnosis and treatment based on the advice of medical practitioner. In out-patient hospitalizationpatient is not admitted under a day care or as an in-patient.

    What is included in Donor expenses?

    Future Generali under this policy will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated provided that:

    The organ donor is any person whose organ has been made available in accordance and in compliance with the Transplantation of Human Organs Act, 1994 and the organ donated is for the use of the Insured Person;

    We will not pay the donor’s screening expenses or pre and post hospitalisation expenses or for any other medical treatment for the donor consequent on the harvesting;

    We have accepted claim under Hospitalisation medical expenses for the Insured Person and the Insured Person has been Medically Advised to undergo an organ transplant;

    Costs directly or indirectly associated with the acquisition of the donor’s organ will not be covered.

    What is the time limit to notify the claim?

    In case of Emergency hospitalization You need to notify us at the earliest and not later than 48 hours from the time of hospitalization or prior to discharge whichever is earlier. In case of planned admission you need to notify atleat 48 hours in advance prior to admission in the hospital.

    What are the General Exclusions under the policy?

    The treatment of obesity (including morbid obesity) and other weight control programs, services and supplies. External Congenital Anomaly and related Illness/ defect.

    Vitamins, tonics, nutritional supplements unless forming part of the treatment for Injury or Illness as certified by the attending Medical Practitioner. Genetic disorders and stem cell implantation/Surgery/storage. Treatment for any mental illness or psychiatric illness.

    Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).

    Any treatment received in convalescent home, rehabilitation centre, convalescent hospital, health hydro, nature care clinic or similar establishments.

    Non-prescribed drugs and medical supplies, hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.

    Any treatment required arising from Insured Person’s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing unless specifically agreed by Us.

    What are the waiting periods in the policy?

    24 months waiting period for:
    Pre existing conditions, Internal Congenital Anomalies, Cataracts, Benign Prostatic Hypertrophy
    Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, All types of sinuses
    Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy,
    All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth.
    Surgery for prolapsed inter vertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers, any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears and tonsils.

    48 months waiting period for
    Organ transplant, Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age related osteoarthritis, Osteoporosis , unless such joint replacement surgery is medically necessary due to injury.

    First 30 days waiting period for
    For medical expenses incurred for any illness diagnosed or diagnosable except those incurred as a result of Injury.

    Is there an exit age under Health Total?

    No, there is no exit age in this policy.

    Where do I need to submit claim documents?

    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

    What are the exclusions applicable for OPD treatments ?

    Any expenses in excess of the maximum amount payable under the outpatient medical expenses limit specified in the Schedule of Benefits.

    Any expenses for OPD Treatment including dental expenses in case of Vital Plan.

    Any expenses for prescribed medications in case of Superior Plan.

    Any expenses for consultation, diagnostics, medications which are not duly supported with medical documents from the Medical Practitioner mentioning:

    -Diagnosis;

    -Referral for diagnostic test;

    -Prescription for medications.

    Costs incurred on all methods of treatment except Allopathic.

    What is Family floater Health Total policy?

    This is a health insurance policy which covers inpatient hospitalization expenses. In this cover, single sum insured floats/is shared by all family members.

    Where do I contact in case of a claim?

    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

    What is e-opinion in respect of an illness or Injury ?

    If an Insured Person suffers an Illness or Injury during the Policy Period in respect of which a claim has been admitted under Hospitalisation medical expenses then at the Insured Person’s request We will arrange a maximum of two e-opinions (in a Policy Year) from a Medical Practitioner selected by the Insured Person from Our panel. The e-opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person.

    Who will be paying for the pre policy tests?

    The customer has to first pay the tests charges for his pre policy tests directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, customer can claim for 100% reimbursement by submitting the original payment receipt.

    Is there any provision of enhancing the Sum Insured after taking Health Total?

    Change in Sum Insured /Plan can be done at renewals only. No increase/decrease in Sum Insured/Plan is allowed during the currency of the policy. Increase in Sum Insured can be allowed up to two slabs higher, whereas increase in Plan can be allowed up to one plan higher.

    For age group above 60 years, increase in Plan would not be allowed.For age group up to 50 years increase in sum insured up to Rs 10Lacs (within Vital Plan) can be allowed without medical examination (in case of no claim / no health declaration). For Superior/Premiere Plan (Sum Insured above 10 lakhs), medical examination is required irrespective of age.

    For age group above 50 years increase in sum insured can be allowed with medical examination.Decrease in Sum Insured allowed up to one slab lower only, in case of no claim in any preceding Health Total policies.

    The Dependent Sum insured criteria will apply for enhancement of sum insured for dependent.Sum insured enhancement would be allowed for age group lower than 50 years in case of portable policies.

    What do you mean by entry age?

    The age eligibility of the insured for taking the policy is the Entry age. Age will mean completed age as on last birthday.

    Who will require undergoing pre policy medical examinations?
    Plans Vital Superior Premiere
    Age Band Upto 50 years Above 50 years From 18 years to 50 years Above 50 years From 18 years to 50 years  
    Medical tests Not Required Required Required Required Required Required

    Proposals with health declarations may also be advised Pre policy medical examinations irrespective of age.

    Pre policy tests need to be done in the empanelled diagnostic centers only.

    The test would be valid for a period of one month from the date the tests have been conducted.

    Can I migrate from my existing daily cash policy to Hospi cash?

    Yes, you may migrate your existing policy by applying to us 30 days before your policy expiry date

    What is Hospi Cash policy?

    In event of hospitalisation even if you have a standard Mediclaim policy, you may have to make some “out of pocket” expenditure like food, conveyance etc. Hospi Cash will pay a fixed benefit amount for each day of hospitalisation to take care of such incidental expenses and thus reduce out of pocket expenditure.

    What is the maximum number of days for which I can claim in a year?

    Policy offers various options (30/ 60/ 90/ 180 days) and you may choose accordingly.

    Do I get tax benefit under section 80 D of IT act for premium paid to take Hospi Cash?

    Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

    Can I avail Hospi Cash as floater option?

    Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

    Is there any recovery benefit under this policy?

    Yes, we will pay additional Rs. 5,000 as convalescence/ recovery benefit if the insured is hospitalised for consecutive period exceeding 10 days.

    What is the maximum per day benefit under Hospi Cash?

    We offer up to Rs. 3000 per day benefit under Hospi Cash. Moreover in case of ICU hospitalisation the benefit amount will be double (same city) or triple (other city).

    Are original bills required for Hospi Cash claim?

    No, Hospi Cash is a benefit policy which means the benefit amount is not related to actual expenses hence original bills are not required. Bills and documents (original) asked at the time of claim are for checking the admissibility and will be returned to you.

    Can my spouse can opt for Personal Accident policy as a self-proposer? What is the maximum sum insured for non-working spouse as self-proposer?

    Yes, non-working spouse can opt for personal accident policy as a self-proposer. The maximum sum insured that can be allowed is ? 10 lacs with TTD Sum Insured max ? 1 lakh (i.e. limited to ? 1000/- per week for 100 weeks).

    Is terrorism or terrorist attacks covered under Personal Accident?

    Yes it is covered (except in case of abetment of terrorism)

    What is the maximum payout in case of Permanent Total Disablement?

    The maximum payout in case of Permanent Total Disablement (PTD) is 150% of Sum Insured under PTD benefit.

    What is the age eligibility to get covered under Personal Accident policy?

    Individuals from age 18 years to 70 years can opt for Future Generali’s Individual Personal Accident Policy. Children from age 3 years to 25 years can opt as a dependent.

    What is the ideal Sum for which I should insure under Personal Accident?

    This depends on your risk perception and cover under Personal Accident policy is made available based on your current income. Accidental death cover is given up to 144 x (times) your Monthly Income (as per Risk class under which you are assessed). For eg - A salaried person is eligible for a sum insured upto a maximum of 144 times of his monthly Income (as appearing in Form 16 / Salary Slip / IT Acknowledgment) and a Self Employed Person is eligible for a sum insured up to a maximum of 144 times of his monthly income (as appearing in IT Acknowledgment /Audited P & L). A person working in underground mines is eligible for a sum insured up to a maximum of 144 times of his monthly income(as appearing in Form 16 / Salary Slip / IT Acknowledgment).

    Can I avail Tax benefits under Personal Accident policy?

    Tax benefits are not available under Personal Accident Policy.

    Can I avail hospitalisation expenses cover in Cashless mode?

    No, hospitalisation expenses are paid for in patient treatment on Reimbursement basis.

    Is there any Cumulative Bonus available in this policy?

    Yes, for every continuous and claim free policy year, 5% increase in the Base Sum Insured will be available, subject to a maximum of 25% of the Base Sum Insured including if your policy is reported to us.

    How many family members can be covered under a single proposal?

    Self, Spouse and maximum two dependent children can be covered in a single Personal Accident policy.

    Is it necessary to inform the insurance company if there is a change in my job profile / occupation after taking the policy?

    Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal form. If not disclosed within the said period , then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.

    Can my dependent wife and child of 20 years get Weekly compensation benefit?

    No, weekly compensation benefit is given to earning people only however benefit up to Rs. 1000 per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Personal Accident policy.

    I already have Life Insurance, why do I need a separate Personal Accident cover?

    You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy you may opt for Weekly compensation for Accidental Temporary Disability and Accidental hospitalisation covers.

    I am a Dentist and my husband is a Builder, do we pay the same premium for Personal Accident cover?

    Both you and your husband can take Personal Accident policy as per your current income and choice of covers; however rate of premium will be different for you and your husband as it depends on Risk classification. You (Dentist) and similar other professional like teachers, bankers, architects, lawyers, accountants etc are classified under risk Class 1 and pay lower premium than risk Class 2 professional like Sales executives, Builders, Contractors and people engaged in similar professions.

    Can I select amongst the different coverage options available or do I get fixed combination of covers?

    At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per the risk class and income.

    I am travelling abroad, will my Personal Accident policy cover me in case of any eventualities?

    Yes, the coverage under Future Generali’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.

    What is the additional premium to be paid for Repatriation of remains and Funeral Benefit under the policy?

    Repatriation of remains and Funeral Benefit is an inbuilt cover, no premium would be charged for this benefit.

    What are the unique coverage options offered by Future Generali, If any?

    Apart from primary covers viz. Accidental death, Permanent Total disability, Permanent Partial disability and Temporary Total Disability; Future Generali offers many additional and unique coverage options like Child Education Support, Life Support Benefit, Accidental Hospitalization, Accidental Medical Expenses, Hospital Cash Allowance, Loan Protector, Adaptation Allowance, Family Transportation Allowance, Broken Bones, Road Ambulance cover, Air Ambulance cover, Adventure Sports Benefit and Chauffer Plan benefit to choose from.

    What is the maximum renewal age?

    Policy can be renewed lifelong.

    Can I port my existing high deductible policy to Health Surplus?

    Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

    Is there any waiting period in Health Surplus policy?

    Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

    Do I need to undergo Medical tests for taking this policy?

    No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

    What is Health Surplus Policy?

    Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

    Is pre and post hospitalisation covered under Health Surplus?

    Yes, pre (60 days) and post (90 days) hospitalisation is covered

    What do you mean by per claim deductible?

    It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

    Can I avail Health Surplus as floater option?

    Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

    If one takes a Health Surplus with Sum Insured of Rs. 5 lakhs and deductible of Rs. 2 lakhs, how much will he be paid if a claim arises?

    The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

    Can one take Health Surplus as a stand-alone plan?

    Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans

    Why should I prefer high deductible policy?

    In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

    Do I get tax benefit under section 80D of IT act for premium paid to take Health Surplus?

    Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

    Are there any deductions that I need to be aware during settlement of my claim?

    Yes,you have to contribute a minimum amount towards own damage claims which is known as Deductible-e.g.Rs.1000 for each claim for car with cubic capacity up to 1500 CC will have to be borne by you.In addition,replaced parts are subject to the depreciation scale(Refer Policy Wordings for the scale of depreciation applied for various parts)in the claim assessment. For e.g.50% depreciation is applied on all the plastic parts.

    Note:depreciation waiver cover can be separately opted. Zero depreciation add on cover is provided by Future Generali for vehicles up to the age 5 years.

    Can the paid driver of the car also be insured under the same policy?

    Yes,it is possible to insure the paid driver(Legal Liability to Employees)under provisions of Workmen’s Compensation Act as amended.This cover is available on payment of a nominal premium amount.

    Can the Owner of the car also be insured under the same policy?

    Yes,it is compulsory to insure the Registered Owner of the vehicle against risk of Personal Accident only if he/she holds a valid driving license.This cover is available on payment of a nominal premium amount.

    Can the occupants/passengers travelling in my car be insured?

    Yes,they may be insured against risk of Personal Accident for a sum not exceeding Rs.2 lakhs per passenger by paying an additional nominal premium.

    Can I transfer existing No Claim bonus on sale of my old car to my new car?

    No Claim Bonus is allowed to the Insured and not to the insured car.Hence,on sale of the car,the insurance policy can be transferred to the new owner but not the No Claim Bonus.The new owner has to pay the difference on account of No Claim Bonus for the balance policy period.The original owner can,however,use the No Claim Bonus from his old car(the one he has sold)to a new car purchased by him.For this he has to apply to the existing insurance company and get the No Claim Bonus reserving letter

    What is Own Damage and what is Third Party Liability?

    Motor Own Damage Insurance is a form of insurance to help you in the event of damage to your car in an accident.Motor Own Damage Insurance covers a wide variety of cases,from broken windows to theft or damages arising out of an accident.

    Motor third-party insurance cover,which is also referred to as the‘act only’cover,is a statutory requirement under the Motor Vehicles Act,1988.It is referred to as a‘third-party’cover since the beneficiary of the policy is someone other than the two parties involved in the contract(the car owner and the insurance company).The policy does not provide any benefit to you.However,it covers any legal liability that you may incur due to death/disability of third-party and/or loss or damage to the third-party property while using the car.

    Will Future Generali settle all my claims directly?

    For the Own Damage Claims Yes,you can opt for a cashless claim settlement if you approach our Future Generali Convenient Workshops for repairs to your car.In case you get your car repaired in a non-network workshop,Claims will be directly settled to you upon submission of all required documents with 7 working days.

    Third Party claims are awarded by Motor Accident Claims Tribunals as per provisions of Motor Vehicles Act 1988 and settled by Future Generali.

    Why do I need Car Insurance policy,is it compulsory?

    Insuring your car against the risks of Third Party liability is mandatory as per Motor Vehicles Act 1988.Most private car owners however prefer comprehensive or package policy covering the risks of loss or damage to the car-Own Damage in addition to the Third Party Liability Risk.

    What if my car is not in a driving condition?

    Our contact centre executive will assist you to get your car towed to ourFuture Generali Convenient Workshops.In the meantime you can keep the car in a safe place.

    What should I do if only windscreen of my car is damaged?

    Immediately notify the losson our helpline numbers.We have a tie up with Windshield experts who will arrange to repair or replace the glass damage.This service can also be availed at your door step.

    What if I am having only an Act policy,would any losses or damages to my car be covered under the policy?

    If you are having an Act Policy,any legal liabilty that you may incur in case of death or any bodily injuries to third party and for damage to property of third party is covered.However any damages to the car will not be covered under the policy.

    Are the accidental damages to my car covered if someone else was driving at the time of accident?

    If your car is insured undercomprehensiveinsurance policy and the person driving your car holds a valid driving license,the accidental damages are covered subject to terms and conditions as indicated in thepolicy wordings.

    What to do in case my car meets with an accident?

    As soon as your car meets with an accident or injures a third party or damages the property of a third party,inform us on our helpline numbers 1800 220 233/1860 500 3333/022 67837800 or sms MOTORCLAIM to 9222211100.Our claims executive will get in touch with you and guide you on the procedures and documents necessary to process your claim.

    How do I get a claim form?

    A copy of theclaim formis included in the policy kit that you must have received.However for your convenience our representatives will supply theclaim form.Theclaim formis also available at ourFuture Generali Convenient Workshops.Alternatively,you can also download theclaim formfrom our web site.

    How soon will the surveyor reach for spot survey?

    Spot Survey will be completed within 24 working hrs.

    Are the accidental damages to my car covered under the policy?

    If you are having Own Damage coverage under your motor insurance policy with Future Generali,the damages to your car will be covered subject to terms,conditions and exclusions of the policy.

    Where will the survey be carried out?

    The Survey will be conducted by our authorised Surveyor at the workshop where you leave your car for repair.

    Where should I repair my car?

    You can get your car repaired at any of our Future Generali Convenient Workshops.Our surveyor or Contact Centre will also assist you in selecting one of our Future Generali Convenient Workshops.

    How much time will be required to repair the car?

    It depends on the extent of the damages to your car and also on the time that the workshop will take to repair the car.However if you have opted to repair the car at ourFuture Generali Convenient Workshopsyour car will be repaired on priority among other cars.

    What if the accident takes place in a city other than where the policy was issued?

    It doesn't matter where the accident happens.Justcall on our helpline numbersand our claim executive will guide you through the procedures.

    Is the Personal Accident cover applicable to any other person driving my car?

    Yes.If you have opted for this coverage and paid additional premium,you or any named person other than your paid driver or cleaner can be covered under Personal Accident insurance.

    What should I do if my car is stolen?

    Immediately notify the loss to the nearest police station from the place where the car was stolen and also intimate the sameon our helpline numbers.Our surveyor will get in touch with you and assist you on further course of action.

    What if I want to use a workshop of my own choice?

    Yes.You can choose your own workshop to get your car repaired.You will have to make the full payment to the workshop and submit the final bills and receipt.The claim will be settled within 7 working days from the date of submission of final documents.

    What is the effect of making a claim under my policy?

    In case of any claim during the insured policy period,you will lose all the No Claim Bonus(NCB)that you may have accrued over the years at the time of renewals.

    What is permanent total disability?

    Doctor certified disablement which entirely prevents You from engaging in your usual occupation or employment or any other occupation or employment for which You are suited by reason of education, training, experience or skill or if not employed, from engaging in any and every occupation for the remainder of Your life

    What is temporary total disablement?

    Doctor certified inability to engage in your usual occupation or employment

    If the death occurs naturally, will my dependants get the reimbursement on behalf of me?

    No, personal accident policy does not cover natural death. Only deaths due to accident will be covered.

    How do you define hazardous sports and activities?

    The following activities and sports are not covered by the policy: Whilst working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply, jockeys, circus personnel, Engaged in activities like racing on wheels or horseback, big game hunting, mountaineering, winter sports, rock climbing, pot holing, bungee jumping, skiing, ice hockey, ballooning, hand gliding, river rafting, polo and persons engaged in occupation / activities of similar hazard.

    What are the documents required to process a claim?

    The following is the indicative list of documents required for processing a claim.

    Documents required for death claims include:

    Claim form

    Attending doctor’s report

    Original death certificate

    Original / attested post mortem / coroner’s report

    Attested copy of FIR / Panchnama

    Police Inquest Report, where applicable

     

    Documents required for disablement claims include:

    Claim form

    Attending doctor’s report

    Original disability certificate from the doctor

    Investigation / laboratory reports and other medical case papers

    Original discharge summary if hospitalized

    Police Inquest report, where applicable

    In case of permanent total disability, disability certificate from competent authority.

     

    Documents required for weekly benefit claims include:

    Claim form

    Attending doctors report

    Original disability certificate from the doctor

    Investigation / laboratory reports and other medical case papers

    Employee leave certificate with grade / designation

    If I am hijacked on a plane and die as a result, am I covered?

    Yes you will be covered only if travel in the Plane as a passenger and if the death is due to physical injury caused by the hijackers or if such hijacked plane meets with an accident

    I am a pilot / glider / balloonist / parachutist - am I covered if I die from an accident?

    NO - Only people traveling as a passenger on a registered standard airline are covered

    Can I include my family in this policy?

    Yes you can include your family. There are various packaged plans, which we have and hence the inclusion of your family will depend on the plan that you will opt for.

    What do you mean by permanent partial disability?

    Doctor certified total and continuous loss or impairment of a body part or sensory organ specified

    What is the meaning of dismemberment?

    Loss of, or loss of use of, specified members of the body resulting from accidental bodily injury is called dismemberment.

    Will my accident policy cover me even if I am out of the country?

    The coverage offered under the policy is on worldwide basis. So the policy covers any accident happened even abroad. However policies are also issued which are locations or time basis. Please check the policy document for the confirmation.

    Am I covered for accidents arising of sports?

    Amateur sports will be covered. While you are covered for most of the normal, non- hazardous sports, Professional sport and any racing are not covered.

    What are the benefits under accident policy?

    Benefits under the Accident Policy are as mentioned.

    Death 100 % of Sum Insured

    Permanent Total Disablement 100 % of Sum Insured

    Loss of two limbs / Two eyes or one limb and one eye 100 % of Sum Insured

    Loss of one limb or one eye 50 % of Sum Insured

    Permanent Partial Disablement Varies from 1% to 75% of Sum Insured depending on the disablement

    Temporary Total Disablement 1 % of Sum Insured per week subject to a maximum of Rs 5000 per week for a maximum period of 100 weeks

     

    Details are mentioned in policy certificate provided by us.

    What do you mean by the term “MLC Copy”?

    MLC Copy, a Medico – Legal certificate is the certificate signed by the policeman and issued by the hospital for medico legal cases (cases where police need to be kept informed). On admission to the hospital, hospital medical staff will identify the cause or nature of illness / disease / accident and if required will inform the police about the case. Policeman will visit the hospital to enquire the cause and sign the MLC Copy.

    What is the reimbursement under hospital cash allowance?

    Hospital Cash allowance pays a fixed daily benefit to an insured person for being admitted in a hospital because of an accident. The benefit amount and the number of days for which the payment will be made are based on the cover taken by you. The Amount paid is compensation and is not restricted to actual expenses that one incurs in the Hospital.

    Note: Hospital cash allowance is an additional cover under accident policy on payment of additional premium.

    What is the process of intimating a claim?

    The claim can be intimated by either writing to us at the address mentioned in the policy or just give a call at the toll free number, mentioning the policy number / certificate number and name of insured and we shall take the claim process forward.

    What are the various exclusions in an accident policy?

    The standard exclusions under the policy are as under:

    Any claim in the same period of insurance exceeding the Sum Insured

    Suicide, attempt thereat, VD, criminal breach of law, influence of liquor / drugs

    Pregnancy related claim

    War and nuclear perils

     

    For details of exclusions refer the policy documents.

    I am having Mediclaim policy with other insurance company; do I need to buy accident policy?

    Mediclaim policy is designed to cover the hospitalization expenses arising out of illness, sickness & accident. PA policy on the other hand is a benefit policy & the benefits are paid to the insured on the prescribed scale on happening of an accident leading to admissible claim under the policy. PA policy can be extended to cover the reimbursement of the medical expenses on payment of extra premium.

    What is an accident?

    Accident means any sudden, unintended and fortuitous external and visible event, which might cause bodily injury or which leads to a physical disability or death.

    What kind of documentation is required to process my claim?

    Please see Policy / certificate of insurance for the same, in case of any queries you can call us our assistance company for guidan

    How do claim for my minor child?

    All the claim procedure is same for the minor child, only payment will be made to parents / guardians.

    What is baggage loss?

    In case where air line is not able to deliver your baggage at the destination and same is not traced for 45 days and airline has confirmed the baggage being lost. You need to produce the letter of airline confirming the loss and the claim paid by them for such baggage loss.

    As per the policy we will deduct the amount paid by the airlines and balance will be paid by us, subject to policy limits.

    What is pre existing disease?

    Any medical condition which is present before effective date of the policy / certificate of insurance is called as preexisting, which is not covered under the policy.

    Are dental expenses covered?

    Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident.

    What happens if I'm injured overseas & evacuated?

    In case where your injured abroad and you are being evacuated company will pay for the transportation and medical aid subject to policy limits. Our liability ends upon safely repatriating you to home soil where you are assimilated into the local healthcare system.

    What is sub-limits and how to calculate the same? It is applicable to whom?

    Sub limits are the limits which is applicable to an individual equal to above 55 completed years.

    The limits are set for the each and every benefits for ex: for bad charges, pathology expenses etc.

    The insured person needs to bare the expenses over and above such set limits, which is mentioned on your policy broacher.

    Why baggage delay is not covered on return journey?

    Baggage delay is coverage provided to you to buy daily needs in absence of your baggage like food, clothes etc, you need to produce original bills and receipts of such purchase at the time of claiming.

    Is cashless facility available? In what circumstances it is available?

    It is imperative to call our assistance company in case of hopitalisation our assistance company will guide you to find out nearest medical facility and other assistance as required by you, based on your medical papers our assistance company will help you for cash less.

    You will have to bare excess under the policy and rest of the amount will be settled by us with the medical facility.

    What is difference between accidental medical expenses and sickness medical expenses?

    Medical expenses as a result of an accident for ex: car accident or domestic falls is called as accident medical expenses.

    Expenses arising out of any sickness like fever, cold etc. are called as sickness medical expenses.

    In case of accident medical expenses the excess is not applicable.

    How do I make claim when overseas?

    In case of any claim or for any assistance you can call on the numbers given ion your certificate of insurance i.e. our assistance company and they will guide you further as per your requirement.

    What is an excess?

    Excess is an amount that needs to be paid first by you in the event of each and every claim. for ex: if your excess amount is USD 100, if you have claimed for USD 500 for medical expenses then you need to bare first USD 100 and company will reimburse you USD 400 under the policy.

    Can I claim for baggage delay and baggage loss both in case of baggage loss?

    No, you cannot claim under both the sections of the policy. Future Generali India insurance Co. ltd. Will pay you for baggage loss subsequent to baggage delay and deduct the amount paid by us under baggage delay section of the policy.

    What is the difference between my “Certificate Number” and my “Policy Number”?

    Policy no is number provided by us to your company for all the employees traveling abroad.

    Certificate number is a number provided to an individual traveler based on travel sector, number of days of travel.

    What is a reimbursement claim and what is procedure for reimbursement claim?

    In case of claims where you need to pay the entire amount first and then apply for reimbursement after coming back to India.

    The Medical expenses other then sickness, baggage delay, trip delay are the classic examples of reimbursement claims.

    What is covered under passport loss?

    Reasonable expenses paid by you for acquiring new passport as well as visas will be reimbursed by us. All the bills / receipts need to be provided to us at the tome of claim.

    What is baggage delay?

    In case where your baggage is not delivered at the destination and the same is delivered by the airlines afterwards. The policy triggers in case of delay which is more then 12 hrs.

    Can a request for Authorization for cashless be declined?

    Yes, a request for authorization for cash less access may be declined if,

    Inadequate / vague / wrong information is provided and the TPA is unable to get access to additional information.

    The ailment / disease for which hospitalization is required is not covered by insurance.

    The person does not have adequate insured amount left to cover the hospitalization costs.

    This only means that cashless access is declined, AND IS IN NO WAY TO BE CONSTRUED AS DENIAL OF TREATMENT. The policyholder must obtain the treatment as per his/ her treating doctor’s advice.

    The denial of pre-authorization letter shall not be construed to mean that the policyholder cannot claim under the terms, exclusions and conditions of the policy. In such cases you are advised to file your claim for reimbursement and TPA will settle the claim as per your policy terms and conditions.

    Can I claim for maternity event?

    Individual Mediclaim policy does not cover maternity & related events. Maternity benefits are covered under the Group Mediclaim policy, subject to the payment of additional premium.

    What is a Health / Identity Card?

    Identity card means the card issued to the Insured Person by the TPA to avail Cashless facility in the Network Hospital. The card may be a Photo identity card or a non-photo identity card. It is mandatory for the insured to carry an identity card for the purpose of admission into the hospital.

    What is a Third Party Administrator (TPA)?

    A THIRD PARTY ADMINISTRATOR (TPA) means any Company who has obtained license from IRDA to practice as a third party administrator and is appointed by the Insurance Company for the purpose of servicing their health insurance policies.

    What do you mean by Network / Non-network Hospitalization?

    A Hospital, which has an agreement with TPA for providing Cashless treatment, is referred to as a 'Network Hospital'. List of network hospital is available in user guide / TPA website. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those who are not empanelled by the TPA and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per normal procedure.

    How does one get Reimbursements in case of treatment in non- network hospitals?

    Cashless Hospitalization is available only in Network Hospitals. While it's recommended that you choose a network hospital you are at liberty to choose a non-network hospital also. In case you avail of treatment in a Non Network hospital, TPA will reimburse you the eligible amount of bills subject to the policy taken by the policyholder and claim being admissible.

    The Policy Holders attention is drawn to the definition of Hospital in the Mediclaim policy. TPA should be contacted within few days from the time of admission with details of TPA card number, nature of illness, name & address of the Hospital/ Nursing Home/ Clinic, attending Doctor, Bed Number etc. The claim form can be collected from the nearest branch of the Insurance company / TPA office / TPA website. This claim form must be filled fully and sent to the nearest TPA office along with the following documents in original.

    Claim Form properly filled in and signed by the claimant. Claim form is available at any of the DHS branches and also can be downloaded (see Download Forms)

    Original Discharge Card / Summary from the hospital / nursing home.

    Doctor's consultation reports / history.

    Hospitalization and other medical Bills, Receipts in original.

    Cash Memos from hospital / pharmacies supported by proper prescription.

    Diagnostic test reports supported by a note from the attending medical practitioner / surgeon justifying such diagnostics. Surgeon's certificate stating the nature of the operation performed and surgeon's bill and receipt.

    Note: Only expenses relating to hospitalization will be reimbursed as per the policy taken. All non-medical expenses will not be reimbursed.

    What are Pre and Post hospitalization expenses?

    PRE-HOSPITALIZATION: Relevant medical expenses incurred during the defined period prior to hospitalization on disease / illness / injury sustained will be payable.

    POST-HOSPITALIZATION: Relevant medical expenses incurred during the defined after hospitalization on disease / illness / injury sustained will be payable.

    Note:- Pre & Post Hospitalization expenses are payable only when the main hospitalization claim is admissible.

    What is the maternity coverage limit?

    If maternity cover is opted by group, sum insured sublimit for maternity and related events per policy year will be as per policy terms.

    Which events are covered under maternity benefit?

    Maternity coverage will cover Hospitalization expenses towards delivery (normal / operative) and hospitalization expenses towards complications of maternity during the antenatal & postnatal period. Antenatal and postnatal outpatient expenses are not covered under maternity benefit coverage, unless mentioned in the policy.

    How does one get Reimbursement for pre and post hospitalization expenses under this scheme?

    The Mediclaim Policy allows reimbursement of medical expenses incurred towards the ailment / disease for which hospitalization was necessitated prior to hospitalization and up to a certain number of days after discharge.

    This is subject to the limits as described in the policy. The medical expenses incurred prior to Hospitalization are called pre- hospitalization expenses and those incurred subsequent to discharge as post Hospitalization expenses.

    Send all bills in original with supporting documents along with a copy of the discharge summary and a copy of the authorization letter to the nearest TPA Office. TPA will scrutinize the claim and settle the bills subject to the overall limit of the policy, provided the main hospitalization claim is admissible. The bills must be sent to TPA within the defined period from the date of completion of treatment.

    What do you mean by the term “MLC Copy”?

    MLC Copy, a Medico – Legal certificate is the certificate signed by the policeman and issued by the hospital for medico legal cases (cases where police need to be kept informed). On admission to the hospital, hospital medical staff will identify the cause or nature of illness / disease / accident and if required will inform the police about the case. Policeman will visit the hospital to enquire the cause and sign the MLC Copy.

    How does Cashless access work?

    Each person covered under the Policy will be issued a Health / identity card. Whenever there is a need for hospitalization the policyholder should obtain an Authorization Letter from TPA. The authorization letter will indicate the name of the insured/patient, the name of the hospital where treatment is required, the nature of illness / disease for which treatment is required and the monetary limit above which the insured / patient will have to pay. The policyholder will have to submit this authorization letter along with the identity card given by TPA to the admission counter in the hospital.

    What is Mediclaim?

    Mediclaim is a health insurance to cover hospitalization expenses of an individual. A health insurance policy is a contract between an insurance company and an individual / group in which the insurance company agrees to provide health insurance cover at a premium pre fixed by the insurance company on the basis of the age and medical conditions of the client. The policy is for a period of one year and can be renewed every year after paying the premium. The Insurance company offers cashless as well reimbursement facilities through a Third Party Administrator. A health insurance policy can be taken by an individual for himself and his family. A corporate can also take a group policy for its employees and their family.

    What do you mean by Inpatient hospitalization and Daycare hospitalization?

    Inpatient hospitalization is the event of hospitalization for treatment where patient stay in the hospital for minimum 24 hrs. Daycare hospitalization is the event of hospitalization for treatment where patient stay is less than 24 hrs.

    Note: Policy will not cover the hospitalization of less than 24 hrs, except for daycare diseases as mentioned in policy daycare list

    How does one obtain the Authorization letter?

    The policyholder is required to fill the request for pre- authorization letter and send through fax/other means to the nearest TPA office mentioned in the user Guide or TPA web site. TPA will scrutinize the request for authorization letter and send an authorization letter or regret letter. Request for pre-authorization letter are available with TPA office or can be downloaded from TPA website.

    What is Cashless access?

    In the cashless access, TPA will authorize the hospital for the treatment of Insured. The payment shall be made directly by the TPA to the hospital for the amount sanctioned/authorized (subject to Policy Terms, exclusions and Conditions).

    What do you mean by floater policy? How does it work?

    Floater is a privilege offered to the client only in case he opts for "Group Mediclaim Policy". Unlike the individual policy, where a family (Husband / Wife / children) is covered for the Sum Assured so desired, independent of each other, and pays the premium accordingly, in a Floater - a float amount is shared by the family members Or by the employee families.

    What is the procedure to renew my Car Insurance if my policy has expired?

    Simply visit any of the nearest Future Generali Branch and we'll guide you or you may call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 and we shall arrange one of our sales specialist to co-ordinate with you in process of renewal of your policy.

    How do I renew my Motor, Health & Accident Insurance?

    Simply send SMS as REN to 9222211100 or call our helpline number 1800-220-233 /1860-500-3333 / 022-67837800 to pay your renewal premium through secured and safest online payment gateway using credit/debit/net banking service. You can also visitat your nearest Future Generali Branch.

    Is it possible to transfer my “No Claim” bonus in case I change my policy to a different insurance company?

    Yes “No Claim Bonus” can be transferred to another insurance company provided the date of inception of the new policy is within 90 days from the expiry of the old policy on which the NCB has been accrued.

    What is a free look up period ?

    A free-look is a 15-day period from the date of receiving the policy document. This period allows you the right to examine the insurance policy and opt out if you are not satisfied with any conditions or features mentioned in the policy. This facility is available only under Individual Health and Individual Personal Accident insurances.

    During this period, one can cancel the policy or ask for a change in its features. In case one opts out, the premium paid will be refunded after deductions for expenses like those for a medical examination, cost of proportionate risk cover, stamp duty, etc.

    What is the procedure for cancellation and refund ?

    You can request to cancel the policy by providing us a request to cancel the policy which should mention the following

    Insured’s name(s) – the name of the people that are insured under the policy

    The policy number
    Reasons for cancellation
    The date you wish the policy cancelled
    All policy holder signatures – everyone listed on the policy needs to sign consent
    In case of a motor policy if the vehicle is still in possession and owned by the insured he needs to provide a valid copy of valid insurance from any other insurance companyThe cancellation and refund shall be processed as per the terms and conditions mentioned in the policy wordings.

    What is a No Claim Bonus?

    No Claim Bonus (NCB) is the benefit accrued to an insured for not making any claims during the previous policy period.  As per current norms in India, it ranges from 20% on the Own Damage premium (and not on Liability premium) and progressively increases to a maximum of 50%.

    If, however, a claim is lodged, the No Claim Bonus is lost in the subsequent policy period.

    NCB is given to the insured and not to the insured vehicle. Hence, on transfer of the vehicle, the insurance policy can be transferred to new owner but not the NCB. The new owner has to pay the difference on account of NCB for the balance policy period. The original owner can, however, use the NCB on a new vehicle purchased by him.

    How do I retain the NCB in case I’m selling my Car?

    On sale and transfer of vehicle the bonus can be transferred to the new car. The bonus can be kept on hold till a period, which is a maximum of three years and the benefit of the same can be used within three years on any car being bought in the same name.

    The seller should take the no-claim bonus-reserving letter from its insurance company to be used for the next car. The buyer of the old car will not get any benefit of no-claim bonus on purchase of the car.

    If I have not travelled and I want to cancel my travel insurance, what is the procedure?

    You, anytime before the commencement of the proposed journey may cancel this Policy by giving notice in writing to us as long as you are able to establish to our satisfaction that the proposed journey has not commenced. For more details refer to the product’s policy wordings.

    How do I extend my travel insurance?

    You can extend your travel insurance if your trip lasts longer than expected. This service is available both for Multi Travel and Single Trip customers who want to add extra days to the insurance subject to underwriting approval.

    Request should be received up to 7 days prior to expiry of the earlier policy period.

    No claims and Good health declaration from the insured can be mailed to fgcare@futuregenerali.in

    What documents do I need to provide before buying an insurance?

    All you need to submit is a signed proposal form - in certain cases, with some additional documents like your previous insurance policy copy or copy of your RC book etc, if applicable. Once that is accepted by us, you just have to pay your premium in full, by cash or cheque.

    How do I make changes to the policy document in case of transfer of ownership?

    Simply visit any of the nearest Future Generali Branch. Click here to locate nearest branch. 

    We will conduct an inspection of your vehicle. You need to submit the below documents;
    -          Existing Policy Copy
    -          No Objection Certificate from the previous owner of the policy
    -          Registration Certificate reflecting the transfer of ownership. In case same is unavailable Copy of stamped Form 29 & 30 which is submitted to RTO & the Transfer fee receipt which is issued by RTO.
    -          Transfer Fee of Rs. 50/- + GST
    -          You need to pay the No Claim Bonus (NCB) different amount. We will inform you the amount once you visit.

    Can I make changes to my policy document such as vehicle information?

    Simply send scanned copy of your vehicle registration certificate confirming correct details at fgcare@futuregenerali.in and we will process your request. In some cases it may involve payment of an additional premium for eg: CNG kit updation. You can also call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 and we will guide you

    What happens after I buy a policy?

    Kindly go through the policy document carefully. In case you may need any assistance please call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 so that we can assist you.

    How long does it take to receive the policy kit?

    Once your payment is received and updated in our system it would take a maximum of 7-10 working days for you to receive your policy documents. A soft copy of the documents will be sent to your registered email address as soon as the policy is issued in our system.

    How can I update my contact details in the policy?

    Simply call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 and we'll guide you. Once you are verified as an insured or an authorized person of the insured we shall place a request to update your contact details.

    What is the motor claim procedure? How much time does it take for claim settlement?

    Suggestion:- If you can take complete claim procedure from claims team or get this vetted from Claims team

    If any person is injured in the accident, attend to the person first. Give him the necessary first aid. Arrange to shift the injured to hospital. Inform police about the accident.

    Contact us to inform of the accident. You can reach us conveniently by using any of the following modes:

    Help Lines:1800-220-233, 1860-500-3333, 022-67837800

    Email Id:fgcare@futuregenerali.in

    Website:www.futuregenerali.in

    SMSSMS "MOTORCLAIM" to 9222211100

    KINDLY KEEP FOLLOWING INFORMATION READY BEFORE INTIMATING THE LOSS:

    Complete policy number
    insured Name and contact number
    Name of the driver driving the vehicle at the time of accident
    Place of accident
    Vehicle registration number
    Vehicle type & model
    Brief description of accident
    Date and time of accident
    Current location of the vehicle

    **Call our call centre immediately before moving the vehicle to garage. On receipt of claim intimation we will depute the surveyor to assess the loss. Surveyor will get in touch with you.

    HAND OVER DOCUMENTS TO SURVEYOR / GARAGE

    OWN DAMAGE CLAIMS – PRIVATE VEHICLE & TWO WHEELER
    Claim Intimation
    Policy Copy
    Claim form
    Copy of RC book
    Copy of Driving License
    Estimate
    Photos
    Survey Report
    Survey Fees Bills
    Supplementary Report / Re-inspection report
    Final repair invoice and receipt / Satisfaction voucher for cashless payment

    OWN DAMAGE CLAIMS – COMMERCIAL VEHICLE

    In addition to the document listed in section “Own Damage – Private Vehicle & Two Wheeler” following documents need to be collected.

    Fitness Certificate
    Permit
    Claim form
    Copy of FIR
    Load Challan

    THEFT CLAIMS

    Claim intimation
    Original policy
    Claim form
    Original Registration Certificate
    FIR
    Original set of keys
    Original sales invoice & tax receipt
    Intimation to RTO (to inform RTO that the vehicle is stolen and not to transfer)
    Final report
    Transfer papers
    Indemnity bond
    Subrogation letter
    Please note foregoing list is indicative in nature. Further additional documents may be called depending on the nature of the claim.

    KINDLY NOTE:

    Shift the vehicle safely to the side of the road to avoid further damage or and intimate Future Generali Contact Centre for further advice.
    Surveyor will inspect the vehicle at workshop. It is advisable to be present in workshop during surveyor's visit.
    Provide requisite document to surveyor as mentioned above. Please furnish original documents for verification wherever required.
    In case where vehicle is being repaired at Future Generali Convenient Workshops the payment will be made directly to the workshop and insured has to bear the difference amount as per policy conditions.
    Information about the approved claim amount and deductions on account of depreciation/excess if any will be made available to the garage before delivery of the vehicle. Insured may ask for the same from repairer.
    For all workshops except Future Generali Convenient Workshops, you are required to settle the bill with workshop and submit bills along with receipt to the Future Generali for claim settlement as per surveyor report.
    Submit bill to the surveyor or Future Generali office for claim settlement as per surveyor report. Claim settlement will take approximately 7 days from the date of submission of final document(s), provided all document(s) are in order.

    Do Not

    Make any compromise with any third party in case of an accident involving third party.
    Leave the vehicle unattended at the spot.
    Proceed with accident repairs before the vehicle has been inspected by the surveyor.

    How do I report an insurance claim?

    We are committed to support you in the settlement process in a simple and hassle-free manner. You can report a claim using one of the below options available.

    1. Intimate your claim online
    2. Call us on our Customer Care Number: 1800-220-233, 1860-500-3333, 022-67837800
    3. Email us at fgcare@futuregenerali.in

    Service Parameters and Turnaround Times

    PROCESS / SERVICE
    PARAMETERS

    PROMISED
    TURNAROUND TIMES

    ACTUAL TURNAROUND TIMES
    (AVERAGE OF PAST 6 MONTHS, JANUARY 2021 - JUNE 2021)

    ACTUAL TURNAROUND TIMES
    (AVERAGE OF PAST 6 MONTHS, APRIL 2021 - SEPTEMBER 2021)

    Processing of Proposal &
    Communication of decisions

    15 days

    1.38 days

    1.31 days

    Processing Cancellations
    and Refunds

    7 days

    2.49 days

    2.42 days

    Post Policy issue service requests
    concerning mistakes, endorsements,
    any Non-Claim relation service requests

    7 days

    0.55 days

    0.51 days

    Acknowledgement of Complaint

    3 days

    Same day

    Same day

    Resolution of Complaint

    15 days

    3.51 days

    3.37 days

    Conducting of Survey post reporting
    of Claim

    1 working day

    1 working day

    1 working day

    Timeline for Claim settlement /
    Rejection post receipt of all documents
    and survey report

    7 days for Motor
    15 days for Health

    2 days for Motor OD
    8 days for Health

    2.3 days for Motor OD
    8 days for Health

    Cashless Claims (Health) - Post receipt
    of all documents 

    0 Initial Authorization
    0 Discharge Approval

    3 hours

    1.5 hours

    1.5 hours

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