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Health Insurance

Individual 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.


Entry Age

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

What’s Covered

  • 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

  • Non-allopathic treatment

  • Joint Replacement Surgery

    It will be covered after a period of three years - unless there is an accident.

  • Waiting Period

    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.

  • Congenital Diseases

  • 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.

    Here are the steps to buying online:

  • 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.

  • 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.

I have some savings/ investments/ real assets which can be used to pay for emergencies, can I avoid taking health insurance?
I am a healthy person I exercise too, why should I take health insurance?
I don’t have taxable income, why should I buy health insurance?
I am the sole bread earner for my family, should I cover only myself under health insurance?
I have just got married. Can I include my spouse in my health policy?
Can I avail tax benefits for health insurance policy?
What is covered under Health Insurance policy of Future Generali?
What are the unique features of Future Generali Health Suraksha Policy?
What are the renewal benefits of Future Generali Health Suraksha Policy?
Will Future Generali pay my claim, in case I am discharged within 24 hours?
Will I get my entire claim in Cashless mode?
Is there a time limit for claim settlement?
Do you offer any value added services to your policyholders?
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Buy Online

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.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.