Individual Health Plan
Find out how this plan works for you
The Individual Health Plan is a plan that has been customized to meet your requirements in many caring ways.
You know what you want from life. Why should unforeseen illnesses and spiraling medical costs stop you from moving ahead? That’s why the Individual Health Plan is so apt for you.
18 years - 70 years with a lifetime renewal option.
3 months – 25 years can be covered if parents are concurrently insured with Future Generali.
Maximum Sum Insured
Entry Age : Up to 55 years
Rs. 10 Lakhs
Entry Age : Above 55 Years
Rs. 5 Lakhs
Entry Age : Above 55 Years
Rs. 5 Lakhs (Porting from another Insurance company)
Pre acceptance Medical Tests
Age - up to 45 years
Medical tests waived subject to clean proposal form i.e. No health declaration.
Over 46 years
Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
Medical Report Validity
30 days from the day tests were done
- Pre & Post Hospitalisation
From 60 days prior and 90 days post
- Ambulance Charges
Up to Rs. 15000/-
- Day Care Procedures
Covers 130 procedures
- Pre-existing Diseases
Covered after 4 years of continuous renewal
- Accompanying Person’s Expenses
Up to Rs. 500 per day
- Patient Care Expenses
Up to Rs. 350 per day for those over 60 years
- Additional Accidental Hospitalisation
Limits can be enhanced by 25% of the sum insured on date up to maximum of Rs. 1 lakh.
- Hospital Cash Benefits
Is available under Platinum Plan
Exclusions of this plan
Conditions such as
Any condition, ailment, injury or related condition(s) that’s been diagnosed, medical treatment undergone or signs and / or symptoms of the same, before the inception of your first policy or until 48 months from inception date.
Any disease contracted within the first 30 days from the start of the policy.
Consumption of alcohol or drug abuse
Joint Replacement Surgery
It will be covered after a period of three years - unless there is an accident.
Any disease contracted within the first 30 days from the start of the policy is covered - Waiting period of two years for diseases like cataract, hernia and tumour and one year for diseases / surgeries like gallstones, renal stones.
All Expenses Related to AIDS
Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings
How can you buy this Policy?
Buy your Health Insurance Plan Online
Buying your Health Insurance plan online for you and your Family in simple steps.
Get an Online Quote
It takes just a few minutes to generate your quote online.
a. Select your policy type. If you are looking for an individual health insurance plan, each individual of a family is entitled to a sum insured you opt. In a family floater, the sum insured is shared by all members of the family in the plan.
Get your Health Insurance quote
Fill in Your Proposal Form
You need to fill in the proposal form and answer from basic questions about your medical history before you can buy the policy.
Review Your Proposal
Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.
Here are the steps to buying online:
Complete Your Purchase
After your confirm your premium and agree to the terms & conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely & conveniently in easy steps and you’re done.
Download Your Policy
You can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided during the time of registration.
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
What happens next after you have purchased
When you become a Future Generali Health Customer, you will receive a membership pack containing the following:
- Claim Form
You can intimate your claim online or submit the form to your nearest branch or alternatively email us.
- Complaint / Feedback Form
Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
- Grievance Redressal
Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.
You can expect to receive this pack within 12-15 working days of purchasing our health insurance.
Making a Claim
At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:
We have an in-house claim settlement team that processes your cashless claims within 90 minutes from the time we receive your cashless request and reimbursement claims within 14 working days from the time we receive your complete claim documents.
In order to get the periodic update on your claim, please ensure to mention your mobile number and e-mail Id on the claim form.
Find out more about how to make a claim or check out our claim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy, you can call us on:
You ask. We answer.
Health Insurance provides certainty to your health financing plan and is considered as an important goal as per sound financial planning principles. It safeguards your assets, which in some cases may not be very liquid, and facilitates early recovery.
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.
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.
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
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.
Yes. Tax benefits are available for health insurance policies under Sec. 80 D of the Income Tax Act.
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.
Following four are unique features of Future Generali Health Suraksha:
- Enhancement of 25% of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
- In event of hospitalisation of child up to 10 years, we pay additional benefit of Rs 500 per day during period of hospitalisation.
- 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.
- 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.
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.
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.
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.
All insurers are required to settle claims as per IRDAI guidelines, Insurers must take a decision on settlement of a claim within 30 days and must pay within 7 days of insured accepting the offer. Future Generali however settles all claims within 14 working days after receipt of complete documentation.
Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.
Top reasons why this plan is ideal for you
Quick Turnaround Time
Our average turnaround time is 90 mins for cashless claims and you get Reimbursement Claims settlement within 14 working days (Subject to all required information/documentation being submitted).
Pay Less & Get More
Under the same policy if more than one person is covered, you can get Family discount @ 10%.
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Free Health Check-up
Get free health check-up at our empanelled diagnostic centers after every four claims free years subject to all required documentation/information being submitted.
Say, Mr. Sharma opts for Future Surkhahsa Family Floater Plan for sum insured of INR 3 Lakhs for his family of 2 children and wife.
Health expenses of Mr. Sharma, his dependent children and Mrs. Sharma would be covered under the same policy up to a maximum of INR 3 Lakhs.
So Mr. Sharma’s wife is hospitalized and runs up a bill of INR 1 Lakh, the family floater plan will be used up to INR 1 Lakh.
For the remaining year Mrs. Sharma and the others can still get covered in case they get hospitalized up to INR 2 Lakh.
Enjoy our value added services with Future Generali Health Privileges.
“Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!”
Ajay Khanna, Navi Mumbai
"Thank you FG. Your customer service is excellent and will definitely set a good example for others. I trust and truly appreciate your support."
Ranjan Khuntia, Hyderabad
"Thank You for your exceptional support and prompt response throughout the claim process. Count me as a delighted customer and consider my feedback as extremely satisfied."
Pujan Vaishnav, Vadodara