Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredHealthcare prices are rising sharply and you don’t want to burden with the hospital bills during critical times.
You can protect your family with an insurance that fits your budget and needs.
We bring you Future Aarogya Bima, an affordable health insurance that financially secures your entire family. From hospitalisation to medical tests, pre-hospitalisation to post-hospitalisation, we cover everything!
Under a single sum insured, cover yourself and your spouse.
Port your existing policy with us to avail of benefits and services. Portability is as per the portability guidelines of IRDAI.
We hold no grudges. So, even if you do not like the policy, we allow free cancellation within 15 days, subject to some conditions.
From the expiry date of the policy, you get 30 days grace period for renewal.
Hospitalisation includes room rent, ICU charges, and nursing expenses. These can get really expensive and sometimes beyond your budget. But with our policy by your side, you can opt for the best treatment without thinking twice!
We understand that treatment isn’t only limited to hospitalisation. That’s why we take care of your medical expenses before and after you’re admitted. We also pay for your daycare treatment expenses.
No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.
Hormone replacement therapy or sex-change treatment
Existing illnesses or disabilities
Illnesses or injuries due to the consumption of alcohol or drugs
Injury or illness due to war or warlike operations
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%
Minimum Policy Term : 1 Year
Maximum Policy Term : 3 Years
Minimum entry age of Proposer - 18 years
Maximum entry age of Proposer - 70 years
Minimum entry age of Child - Day 1
Maximum entry age of Child - 25 years
Maximum Renewal Age - Lifelong
Individual option - Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents
Family Floater option - Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years)
WAITING PERIOD |
DISEASES |
---|---|
30 days |
Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
24 months |
Internal Congenital Anomalies, Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids |
48 months |
Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV |
You can purchase our policies in several ways:
You Can Call On Our HELPLINE
1800-220-233 / 1860-500-3333 / 022-67837800
SEND US AN EMAIL
Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.
Our claim settlement process is fast and relaible
Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredClaim Form
Download and fill the FG health claim form
Document Submission
Submit original documents to the nearest Future Generali branch
Claim Settlement
We will settle the claim in subject to policy terms and conditionsFile your claim in minutes with Future Generali’s easy four-step claim process
Visit Hospital
Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future GeneraliGet Admitted
You get admitted without any deposit and get cashless treatmentPeace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospitalCo-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% | |||||
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.
Yes, cashless facility is available
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.
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 |
Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater 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 |
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 |
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
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.
No, the Sub limits are not applicable in Future Aarogya Bima policy.
The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 500000
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