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Corona Rakshak Policy, Future Generali India Insurance Company

Corona Rakshak Policy

Find out how this plan works for you


Corona Rakshak Policy, Future Generali India Insurance Limited is a benefit health insurance policy that provides a lump sum amount in case you are diagnosed and hospitalized due to COVID infection. The policy can be availed on individual basis.

Family definition:

Policy can be availed for Self and the following family members

  • Legally wedded spouse

  • Parents and Parents-in-law

  • Dependent children (i.e. naturally or legally adopted) (Unmarried, of age 18 to 25 years). If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the same policy

Sum Insured:

Sum Insured options available in the product are ₹ 50 K, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs.


Minimum entry age 18 years
Maximum entry age 65 years
Proposer with higher age can obtain policy for adult members of the family, without covering self.

Policy Period:

  • Three and half months (3 ½ months) i.e. 105 days

  • Six and half months (6 ½ months) i.e. 195 days

  • Nine and half months (9 ½ months) i.e. 285 days

Renewal- Not applicable

What’s Covered

  • COVID Cover

    Lump sum benefit equal to 100% of the Sum Insured shall be payable on positive diagnosis of COVID, requiring hospitalization for a minimum continuous period of 72 hours. The positive diagnosis of COVID shall be from a government authorized diagnostic centre.

Pre-insurance medical examination

  • No pre-insurance medical examination test is required, irrespective of the sum insured and age of the insured.

  • Underwriting loading of premium will be applicable on the particular Insured’s premium in case of adverse health conditions declared on the proposal form.

Other Features

  • Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.

  • Loading on Claim experience: There will be no loading on premium for adverse claims experience.

  • Tax benefit: Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Exclusions of this plan

  • Exclusions of this plan

    Expenses related to any admission primarily for diagnostics and evaluation purposes.

    Any diagnosis which is not related and not incidental to COVID.

    Testing done at a Diagnostic center which is not authorized by the Government.

    Any claim with respect to COVID manifested prior to commencement date of this policy or during the waiting period.

    Cover under this Policy shall cease if the Insured Person travels to any country placed under travel restriction by the Government of India.

  • Waiting Period

    The Company shall not be liable for any claim arising for COVID within 15 days from the first policy commencement date.

How can you buy this Policy

We at Future Generali are committed to serve you and provide you convenient options to purchase our policies

  • Call us on our helpline numbers

  • Email us at fgcare@futuregenerali.in

  • SMS “PRODUCT” to 9222211100 and we will arrange a call back.

What happens next after you have purchased

When you become a Future Generali Health Customer, you will receive a membership pack containing the following:

  • Policy Schedule

  • Premium Receipt

  • 80D certificate for tax deduction if the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.

  • Policy coverage and Terms & Conditions.

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 process team that processes your claims within 30 working days from the time we receive your last necessary documentation

  • 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.

Why Should I choose Corona Rakshak policy, Future Generali India Insurance Company Limited?
What are the Sum Insureds available in the product?
Do I need to undergo Pre-insurance medical examination for taking this policy?
What are the entry age limits under Corona Rakshak policy, Future Generali India Insurance Company Limited?
Is Hospitalization due to Covid-19 mandatory for an insurance claim under the policy?
Can I claim for Treatment availed while in Quarantine?
Do I get any tax benefit if I purchase this policy?
Are there any waiting periods applicable?
Will My travel history affect My Claim Status?
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


Top reasons why this plan is ideal for you



Don’t have a Medicalim Policy? No worries, this policy will give You a lump sum benefit, in case You are hospitalized for Covid -19.

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

*Subject to Terms & Conditions and Waiting Periods given in Policy Wordings 

Product Name:-Corona Rakshak Policy, Future Generali India Insurance Company  UIN NO:-FGIHLIP21075V012021  Launch Date:-09-July-2020

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