Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurredA special policy designed to cover the medical costs of your parents will be of great help. The plan will cover all substantial financial needs related to health issues that arise in old age.
This way, your parents would not have to burn their life’s savings to pay for their health charges. Also, you could easily buy this financial protection for them without putting a dent in your pocket.
We cover both your parents under the same policy.
Our doors are always open. So, port your existing senior citizen insurance policy with us without any hassle.
We know you are busy. So, we give you 30 grace days to renew your plan after expiry.
We respect your choice. So, if you ever wish to cancel the policy, you can do it without any penalty within 15 days from purchase.
We cover room rent and nursing expenses as provided by the Hospital/ Nursing Home
We cover medicines, diagnostic materials, X-ray, operation theatre costs, specialist fees, consultants, etc.
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre
If your parents ever need to get hospitalised, we cover all pre-and post-hospitalisation costs. This also includes any day care treatment expenses.
We cover road ambulance charges, if you ever need it. We also aim to protect your parents, so we provide free annual medical check-ups.
Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured opted. Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
Any external congenital illness or disease
Illness or injury because of war, invasion or similar activity
Illness or injury occurred under the influence of alcohol, drugs or other similar substance
Treatments such as hormone replacement, sex change, etc.
Rs.2,00,000
Rs.3,00,000
Rs.4,00,000
Rs,5,00,000
Rs.7,50,000
Rs.10,00,000
Minimum Policy Term : 1 Year
Maximum Policy Term : 3 Years
Minimum entry age of Proposer - 60 years
Maximum entry age of Proposer - Lifelong
Maximum Renewal Age - Lifelong
Family Definition - Insured and Insured spouse
Applicable for proposal form with any medical declaration for any sum insured
Mandatory Pre-insurance medical examination for sum insured ₹ 7.5 L and ₹ 10 L
WAITING PERIOD |
DISEASES |
---|---|
30 days |
Any illness, diagnosed or diagnosable except those incurred as a result of Injury |
12 months |
Pre-existing conditions |
24 months |
Internal Congenital Anomalies, Varicose veins and Varicose ulcers, all diseases of Prostate, all types of Hernia, Varicocele, Hydrocele |
48 months |
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 hospitalYes, you can insure yourself and your spouse under a floater policy.
An individual of age 60 years and above can buy this policy. In case of Individual policy, we shall not be able to offer cover to the spouse of age less than 60 years. However he/ she can still be covered under Family Floater option, provided the age of Self (primary insured) is 60 years and above.
Yes, Pre-insurance medical examination is mandatory for Sum Insured 7.5 L and 10 L or if there is any adverse medical declaration in the proposal form.
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 |
12 months | Pre-existing conditions |
24 months | Internal Congenital Anomalies, Varicose veins and Varicose ulcers, all diseases of Prostate, all types of Hernia, Varicocele, Hydrocele |
48 months | Any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV |
Yes, the Sub limits are applicable for specified procedures under this policy as per the table below:
Sub-limits on listed procedures (All values are in INR.) | ||||||
---|---|---|---|---|---|---|
Procedure/ Treatment | 2 L | 3 L | 4 L | 5 L | 7.5 L | 10 L |
Coronary Artery Bypass Grafting (CABG) | 150000 | 200000 | 225000 | 275000 | 300000 | 350000 |
Percutaneous Transluminal Coronary Angioplasty (PTCA) | 150000 | 200000 | 225000 | 275000 | 300000 | 350000 |
Cataract surgery (per eye) | 15000 | 18000 | 20000 | 21500 | 23000 | 25000 |
Total Knee Replacement (per knee) | 150000 | 200000 | 225000 | 275000 | 300000 | 350000 |
Total Hip Replacement (per hip) | 150000 | 200000 | 225000 | 275000 | 300000 | 350000 |
Note: a) In case of claim for specified illness, the maximum liability of claim payment (including pre and post hospitalisation), shall be limited to the amount mentioned in the sublimit table. b) Co-payments will not be applicable in case there is a claim for the listed procedures. |
Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.
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 maximum up to ₹ 10000 for each hospitalisation as detailed below:
Plan options available:
Sum Insured (₹) | 200000 | 300000 | 400000 | 500000 | 750000 | 1000000 |
---|---|---|---|---|---|---|
Combined limits for Pre- and Post-Hospitalisation (₹) | 4000 | 6000 | 10000 | 10000 | 10000 | 10000 |
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
i.50% co-payment is applicable on each and every claim related to Pre-existing disease, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
ii.25% co-payment is applicable on each and every claim for all other claims, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. However the Insured have an option to waive off this co-payment on payment of additional premiu
Yes, cashless facility is available
Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.
The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 400000, ₹ 500000, ₹ 750000, ₹ 1000000
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Read MorePRODUCT NAME: FUTURE VARISHTA BIMA| UIN NO: FGIHLIP23055V032223 | LAUNCH DATE: 05TH-SEP-2022