What is Future Aarogya Bima Policy?

Healthcare 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!

Why buy Future Aarogya Bima?

Floater Benefit

Under a single sum insured, cover yourself and your spouse.

Portability

Port your existing policy with us to avail of benefits and services. Portability is as per the portability guidelines of IRDAI.

Free Look Period

We hold no grudges. So, even if you do not like the policy, we allow free cancellation within 15 days, subject to some conditions.

30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

Swift and easy claim settlements
Coverage for your entire family
Cashless claims
Quick policy issuance
Affordable premiums
Installments available
Co-payment available
Tax benefits
Family discount

What is covered?

INCLUSIONS

Inpatient Treatment

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!
Pre-and Post-hospitalisation expenses

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.
Other Inpatient Expenses
- Operation theatre charge
- Consultant fees
- Specialist fees
- Medication
- X-ray and other diagnostic tests
Pre-Acceptance Medical Tests

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.
Medical Report Validity

30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

What is not covered?

EXCLUSIONS

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

What are the plans and eligibility in Future Aarogya Bima?

Our plans

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

Eligibility

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

Family Definition

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)

Is there any waiting period?

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

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How to buy Future Aarogya Bima

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

fgcare@futuregenerali.in

VISIT BRANCH

Walk-in to any of our nearest branches

BRANCH LOCATOR

What happens after purchase?

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.

Health Card for Cashless Treatment It is for utilising cashless facility at network hospitals. You can even avail discounts which are offered by our allied partners. Check out the FGH Privilege section for getting more details.
Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
80D Tax Deduction Certificate If the premium is paid via Credit Card/Debit Card, Net Banking, or Cheque except cash payment.
Policy Coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
Claim Form You can either intimate your claim online or submit the form to a branch of your choice. You can also email the claim details to 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 it to us.
Grievance Redressal In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form

Download and fill the FG health claim form
3

Document Submission

Submit original documents to the nearest Future Generali branch
4

Claim Settlement
We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Future Generali’s easy four-step claim process

1

Visit Hospital

Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
3

Get Admitted
You get admitted without any deposit and get cashless treatment
4

Peace 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 hospital

FAQs – Frequently asked questions

FILTERS

SELECT SERVICE CATEGORY

SELECT PRODUCT CATEGORY

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.

Is cashless mode of claim settlement available for Future Aarogya Bima Policy?

Yes, cashless facility is available

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