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What is FG Health Absolute?

Your family always comes first. And we know you want to always protect the ones you love the most. Even if it’s just common cold, a sick family member can take a toll on your emotional and financial health. This is why it is important to always keep your family secure, no matter how big or small.

At Future Generali, we understand how precious your family is to you. With our FG Health Absolute product, we cover them for both physical or mental wellness. Our comprehensive plan covers up to 15 members of your family.

When it's about the complete wellness of your family, you know you can count on us.

Reasons to buy FG Health Absolute

With FG Health Absolute, you can insure the physical and mental well-being of up to 15 members of your family, regardless of their age. Here are other benefits that you will receive with the plan-

Get wellness benefits like free health check ups, mental health guidance, daily fitness tracker, wellness content and discounts on health brands.
Earn reward points in our wellness reward program by monitoring your fitness tracker, your health and happiness score or checking our wellness content.
Physical and mental health coverage along with mental health- reinstatement of OPD.
Enhanced maternity benefits with additional cover for girl child and coverage for new born baby under mother’s policy.
Provision for home health care – up to 20% of the Sum Insured.
Restoration of Sum Insured even for the same/related illnesses.
We'll also cover you for infertility treatment.
We cover for enhanced vaccination for new born baby.

What is in it for you?

With our FG Health Absolute product, you can enjoy exclusive discounts like-

10% family discount when you insure more than one member under the policy on Individual Sum Insured basis
Get a long-term discount when you pay the premium for more than one year.
Floater discount on the premium of dependant members
Earn reward points and improve your overall well-being

What is covered?

Hospitalization Medical Expenses

Hospital bills can quickly add up and strain your finances. We take care of these medical expenses for you while you focus on your loved one's recovery.
Mental health- reinstatement of OPD

On complete exhaustion of OPD limit, the OPD limit will be reinstated for future claims related to mental illness (applicable for Platinum & Signature plans)
Day Care Treatment Expenses

We'll pay for your day care treatment expenses when you are hospitalized for less than 24 hours.
Wellness Benefits

We'll cover your wellness benefits as well.
Organ Donor Expenses

Our plan also covers the treatment costs for harvesting of the organ.
Infertility Expenses

We'll also take care of your infertility expenses.
Maternity Expenses

Enjoy the maternity period while we take care of all expenses including pre and post-natal expenses
New born Baby Expenses

We pay for your new born baby's hospitalization expenses within mother’s Sum Insured up to expiry date of the policy year.
Patient Care

We pay for nursing care costs, up to 10 days after discharge (limited to a maximum of 30 days per policy year for an age above 60 years).
Accompanying Person

We cover the expenses of the accompanying person too. It is given if insured age is less than 12 years.
Pre and post-hospitalization expenses

We understand that treatment and recovery aren't just limited to a hospital. We will pay for all your medical expenses for up to 60 days before admission and 180 days after discharge.
Emergency Medical Evacuation

We take care of the expenses to transfer you from home or medical facility to another (within India) that is more capable of treating your medical issue.
Road Ambulance Charges

We cover your road ambulance charges from home to hospital and between hospitals so you can reach the safely.
Accidental Hospitalization

We'll pay for the expenses if you meet with an accident and require hospitalization.
Home Health Care Expenses

We pay for all your home health care expenses.
Child Vaccination Benefits

We'll pay for all vaccination expenses up to one year after the birth of the child.
E-opinion in respect of illness or injury

We'll pay for online consultations for illness or injury.
Alternative Treatment

Even if you prefer mainstream and accepted forms of therapy like Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy.
OPD Treatment

We'll cover your OPD treatment expenses too.
Cumulative Bonus

Get a 50% cumulative bonus for every policy year when no claims are reported.
Bariatric Surgery

We'll cover all your medical expenses for bariatric surgery.
Medical Treatment Abroad

We'll take care of all your overseas medical expenses.
Restoration of Sum Insured

We also offer restoration of the sum insured under the policy if you meet the conditions.

Besides this, you can also get

Floater Discount - Premium applicable for the primary insured will be the standard individual premiums. For the remaining dependent members, Floater Discounts will be applicable on their respective premium.

Floater Discount
Age Band	Discount	Age Band	Discount
0 - 17	60%	51 - 55	40%
18 - 25	55%	56 - 60	35%
26 - 30	50%	61 - 65	35%
31 - 35	45%	66 - 70	35%
36 - 40	45%	71 - 75	35%
41 - 45	40%	76 - 80	25%
46 - 50	40%	>=81	25%

Long-term Discount - Applicable in case of single payment for a policy term of more than one year.

Long-Term Discount
Policy Term	Discount
1 Year	Nil
2 Years	7.5%
3 Years	10%

Voluntary Deductible - You will get a discount in premium if you opt for a voluntary deductible as per the grid below.

Classic Plan		Platinum Plan		Signature Plan
Deductible	Discounts	Deductible	Discounts	Deductible	Discounts
₹10,000	8%	₹ 50,000	15%	₹ 1,00,000	15%
₹ 25,000	15%	₹ 75,000	20%	₹2,50,000	20%
₹ 50,000	20%	₹ 100,000	25%	₹ 5,00,000	25%

What is not covered?

Injury or illness due to war or warlike operations
Circumcision, unless necessary
Vaccination (except as post-bite treatment)
Sexually transmitted diseases other than HIV/AIDS
External congenital condition or any related Illness/disability
Injury or illness directly or indirectly caused by nuclear weapons or materials
Non-prescribed medicines
Hormone replacement therapy or sex-change treatment
Personal comfort and convenience items
Dental treatment not requiring hospitalization
Home visit charges of a medical practitioner
Intentional self-injury

Plans that we offer

Classic

Self, spouse/live-in partner, and 3 children (up to 25 years)

Cover-

3 Lakhs
5 Lakhs
10 Lakhs

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Platinum

Self, spouse/live-in partner, children, 2 parents and 2 parents-in-law

Cover-

15 Lakhs
20 Lakhs
25 Lakhs
30 Lakhs
35 Lakhs

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Signature

Self, spouse/live-in partner, children, 2 parents and 2 parents-in-law

Cover-

50 Lakhs
75 Lakhs
1 Crore

Minimum Policy Term- 1 Year
Maximum Policy Term- 3 Years

Want to know which plan to buy?

Classic
Platinum
Signature

	Classic			Platinum					Signature
Eligibility
Sum Insured (in ₹)	3 lakh	5 lakh	10 lakh	15 lakh	20 lakh	25 lakh	30 lakh	35 lakh	50 lakh	75 lakh	1 crore
Minimum entry age	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day	Child - 1 day
Minimum entry age	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years	Adult – 18 years
Maximum entry age	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years	Child – 25 years
Maximum entry age	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit	Adult – No limit
Maximum renewal age	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong
Individual SI / Family Floater SI options	Both	Both	Both	Both	Both	Both	Both	Both	Both	Both	Both
Family definition	Individual/Non Floater– S+ Sp / LP + 3 C (up to 25 years) + 2 P Family Floater-S+Sp/ Lp +3C (up to 25 years)	Individual/Non Floater– S+ Sp / LP + 3 C (up to 25 years) + 2 P Family Floater-S+Sp/ Lp +3C (up to 25 years)	Individual/Non Floater– S+ Sp / LP + 3 C (up to 25 years) + 2 P Family Floater-S+Sp/ Lp +3C (up to 25 years)	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL	Individual/Non Floater–*Extended Family up to 15 members ^#Family Floater-S + Sp / LP + C + 2 P + 2 PIL
Hospitalisation Benefits
Hospitalisation	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Day care treatment	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Pre-hospitalisation	60 days	60 days	60 days	60 days	60 days	60 days	60 days	60 days	60 days	60 days	60 days
Post-hospitalisation	90 days	90 days	90 days	120 days	120 days	120 days	120 days	120 days	180 days	180 days	180 days
Restoration of SI	Available	Available	Available	Available	Available	Available	Available	Available	Available	Available	Available
Maternity benefit - normal delivery (in ₹)*	25,000	30,000	30,000	40,000	50,000	50,000	50,000	50,000	1 lakh	1 lakh	1 lakh
Maternity benefit - LSCS (caesarian) (in ₹)*	25,000	35,000	50,000	60,000	1 lakh	1 lakh	1 lakh	1 lakh	2 lakh	2 lakh	2 lakh
Pre-natal hospitalisation (Within maternity limits)	30 days	30 days	30 days	60 days	60 days	60 days	60 days	60 days	90 days	90 days	90 days
Post-natal hospitalisation (Within maternity limits)	45 days	45 days	45 days	45 days	45 days	45 days	45 days	45 days	45 days	45 days	45 days
New born baby benefits: Automatic cover within mother’s / floater Sum Insured up to expiry date of policy	X	X	X
New born baby benefits: Reasonable vaccination benefits up to 1 year of age (in ₹)	X	X	X	Maximum ₹5,000	Maximum ₹5,000	Maximum ₹5,000	Maximum ₹5,000	Maximum ₹5,000	Maximum ₹10,000	Maximum ₹10,000	Maximum ₹10,000
Infertility expenses (over and above maternity limit)- Covered after waiting period of 3 years	X	X	X	Up to ₹ 50,000 per policy year Lifetime Indemnity Limit Of ₹ 1,00,000	Up to ₹ 50,000 per policy year Lifetime Indemnity Limit Of ₹ 1,00,000	Up to ₹ 50,000 per policy year Lifetime Indemnity Limit Of ₹ 1,00,000	Up to ₹ 50,000 per policy year Lifetime Indemnity Limit Of ₹ 1,00,000	Up to ₹ 50,000 per policy year Lifetime Indemnity Limit Of ₹ 1,00,000	Up to ₹ 1 lakh per policy year Lifetime Indemnity Limit Of ₹ 2,00,000	Up to ₹ 1 lakh per policy year Lifetime Indemnity Limit Of ₹ 2,00,000	Up to ₹ 1 lakh per policy year Lifetime Indemnity Limit Of ₹ 2,00,000
Organ donor expenses	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI	Up to SI
Patient care (Above 60 years) - per day benefit up to max (in Rs)	350/day	350/day	350/day	500/day	500/day	500/day	500/day	500/day	1,000/day	1,000/day	1,000/day
	10 days per Hospitalisation and 30 days per policy year
Accompanying person (Up to 12 years)	₹ 500/day; Maximum of 30 days	₹ 500/day; Maximum of 30 days	₹ 500/day; Maximum of 30 days	₹ 750/day; Maximum of 30 days	₹ 750/day; Maximum of 30 days	₹ 750/day; Maximum of 30 days	₹ 750/day; Maximum of 30 days	₹ 750/day; Maximum of 30 days	1000/day; Maximum of 30 days	1000/day; Maximum of 30 days	1000/day; Maximum of 30 days
Accidental hospitalization Increase in- 25% of the available balance of Sum Insured, subject to a maximum of ₹10 lakh
Home health care expenses Up to 20% of SI
Alternative treatments	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only	Covered on reimbursement basis only
Medical treatment abroad	X	X	X	X	X	X	X	X	Covered after waiting period of 3 years	Covered after waiting period of 3 years	Covered after waiting period of 3 years
Road ambulance charges (Reimbursement up to a maximum) (in ₹)	₹ 1,500 per hospitalization	₹ 1,500 per hospitalization	₹ 1,500 per hospitalization	₹ 2,000 per hospitalization	₹ 2,000 per hospitalization	₹ 2,000 per hospitalization	₹ 2,000 per hospitalization	₹ 2,000 per hospitalization	₹ 5,000 per hospitalization	₹ 5,000 per hospitalization	₹ 5,000 per hospitalization
Emergency medical evacuation- (reimbursement– maximum up to 5% of SI)	X	X	X
OPD Treatment (Reimbursement Up To A Maximum of ₹)	₹ 3,000 Per Person For A Policy Issued on Individual/ Non Floater Basis ₹ 5000 Per Policy Issued On Family Floater Basis. Will cover for consultations, diagnostics and medications related to Mental / Psychiatric Illness only. All Diagnostics are restricted to 70% of admissible bills. Our Liability for prescribed drugs / medicines will be restricted to 80% of admissible bills. There will be no reinstatement of OPD Limit.			₹ 5,000 Per Person For A Policy Issued on Individual/ Non Floater Basis ₹ 10,000 Per Policy Issued On Family Floater Basis. Dental Consultations and all Diagnostics, restricted to 70% of admissible bills. Our Liability for prescribed drugs / medicines will be restricted to 80% of admissible bills. On Complete Exhaustion of OPD Limit, the OPD Limit will be reinstated for future claims related to mental illness. Such reinstatement can happen only once during the Policy Year.					₹ 15,000 Per Person For A Policy Issued on Individual/ Non Floater Basis ₹ 30,000 Per Policy Issued On Family Floater Basis. Dental Consultations and all Diagnostics, restricted to 70% of admissible bills. Our Liability for prescribed drugs / medicines will be restricted to 80% of admissible bills. On Complete Exhaustion of OPD Limit, the OPD Limit will be reinstated for future claims related to mental illness. Such reinstatement can happen only once during the Policy Year.
E-Opinion for illness/injury (Maximum 2 per policy year)
Child vaccination benefits (Reimbursement up to a maximum)	X	X	X	X	X	X	X	X	5,000 per annum	5,000 per annum	5,000 per annum
Wellness benefits
Family Discount 10% (Individual SI Policies)
Voluntary Deductible (annual aggregate basis)
Waiting Period
30-days general waiting period
2 years for pre-existing disease
2 years for listed conditions
3 years for listed
conditions
Compulsory 20% co-payment where entry age is 61 years and above
Cataract	10% of SI, maximum of ₹ 75,000/- per eye.	10% of SI, maximum of ₹ 75,000/- per eye.	10% of SI, maximum of ₹ 75,000/- per eye.	10% of SI, maximum of ₹ 1.5 lakh per eye.	10% of SI, maximum of ₹ 1.5 lakh per eye.	10% of SI, maximum of ₹ 1.5 lakh per eye.	10% of SI, maximum of ₹ 1.5 lakh per eye.	10% of SI, maximum of ₹ 1.5 lakh per eye.	10% of SI, maximum of ₹ 2 lakh per eye.	10% of SI, maximum of ₹ 2 lakh per eye.	10% of SI, maximum of ₹ 2 lakh per eye.
Lasik–Covered after a waiting period of 3 years Covered only once during the entire tenure of policy with us.	Up to ₹ 30,000 for both eyes	Up to ₹ 30,000 for both eyes	Up to ₹ 30,000 for both eyes	Up to ₹ 50,000 for both eyes	Up to ₹ 50,000 for both eyes	Up to ₹ 50,000 for both eyes	Up to ₹ 50,000 for both eyes	Up to ₹ 50,000 for both eyes	Up to ₹ 1 lakh for both eyes	Up to ₹ 1 lakh for both eyes	Up to ₹ 1 lakh for both eyes
Modern treatment medical expenses	50% of SI, maximum up to ₹ 3 L per policy year.	50% of SI, maximum up to ₹ 3 L per policy year.	50% of SI, maximum up to ₹ 3 L per policy year.	50% of SI, maximum up to ₹ 7.5 L per policy year.	50% of SI, maximum up to ₹ 7.5 L per policy year.	50% of SI, maximum up to ₹ 7.5 L per policy year.	50% of SI, maximum up to ₹ 7.5 L per policy year.	50% of SI, maximum up to ₹ 7.5 L per policy year.	50% of SI, maximum up to ₹ 10 L per policy year.	50% of SI, maximum up to ₹ 10 L per policy year.	50% of SI, maximum up to ₹ 10 L per policy year.
Bariatric Surgery	Up to 50% of SI, max up to ₹ 5 L	Up to 50% of SI, max up to ₹ 5 L	Up to 50% of SI, max up to ₹ 5 L	Up to 50% of SI, max up to ₹ 7.5 L	Up to 50% of SI, max up to ₹ 7.5 L	Up to 50% of SI, max up to ₹ 7.5 L	Up to 50% of SI, max up to ₹ 7.5 L	Up to 50% of SI, max up to ₹ 7.5 L	Up to 50% of SI, max up to ₹ 10 L	Up to 50% of SI, max up to ₹ 10 L	Up to 50% of SI. Max upto ₹10 L

• All benefits are given within the base Sum Insured except Accidental Hospitalization and Restoration of Sum Insured.
• SI: Sum insured, S: Self, Sp: Spouse, LP: Live-in partner C: Child, P: Parent, PIL: Parents in law
• In case of birth of a girl child, the maternity sublimit will be enhanced by additional - 10,000 per Policy Year, subject to maternity claim being admissible.

· ^#As per family definition, there is no restriction on the number of children covered under Signature and Platinum plan.

· * Extended family – Self, spouse/Live-in partner, natural or legally adopted child/children, parents and parents in law, siblings, daughter in law, son in law, grandparents and grandchildren

Wellness benefits you will receive

Our Wellness benefits include value-added services and Wellness reward points. Our Wellness partners will conduct these services and you can avail these benefits on our FG Insure app by buying our FG Health Absolute policy.

FG Health Absolute covers the physical and mental wellness of your entire family. You can also earn reward points through various wellness activities. These include

Stress & Happiness Index score

Expert wellness assessment

Lifestyle and fitness monitoring

Participation in FGII organized events

Fitness/ Healthy Lifestyle tracking

Enrolment to Wellness

What are the value-added services?

Under this benefit, the insured person above 18 years is eligible to avail the following benefits:

Tele counselling

You get access to two tele counselling sessions with a clinical psychologist to maintain and improve the quality of your life.You can book the tele counselling sessions through FG Insure App.

Health Contents

You will have access to articles and blogs that provide information on topics related to physical and mental wellness.

Webinars

You will get access to webinars held on the FG Insure App on topics related to physical and mental wellness.

Vouchers

You will get discount vouchers from our partner tie-ups, which can be used for maintaining a healthy lifestyle, diagnostics, medicines, etc. You can find the voucher details on the FG Insure App.

Health check-up

All insured members over 18 years are eligible for availing of a 'Health Check-up' under the policy. The health check-up can be conducted from the 1^st year of the policy with us. You can avail of a health check-up at our partner diagnostic centres only. Click here for list of tests covered under Health Check-up.

FG Insure App

Get all Wellness Benefits by downloading our app.

Mobile number ^* Please Enter a phone number

What are wellness reward points?

Sr. No.	Criteria	Frequency Allowed	Max. Points
1.	Enrolment to wellness	Once/year	15
2.	Stress & Happiness Index score	2 times/year	20
3.	Expert Wellness Assessment	Once/year	40
4.	Participation in FGII organized events (as and when organized) and viewing of FGII content around wellness	As planned by FGII	20
5.	Lifestyle disease monitor • Hypertension- Blood pressure • Obesity- BMI • Diabetes- Hb A1C • Cardiac Health- Sr. Cholesterol, Triglycerides	Once/year	45
6.	Fitness/ Healthy Lifestyle tracking- (Any one activity) • Daily step tracking (monthly average of 10000 steps/day) • Burning an average of 300 calories per day in a month • Submission of monthly Gym /yoga membership detail • Participation in Marathon, Cyclathon, etc.	Monthly	60
	Total Points		200

Conditions applicable for earning the reward points-

The insured person must be above 18 years to be eligible to earn wellness points.

There is no limit to the number of programs you can enroll in. But, the maximum reward points per policy year is limited to 200/member.

Conditions for earning Reward Points will be the same for all the insured persons.

How Can I Buy
FG Health Absolute?

1
Get a quick quote

We only need some basic details to give you a quote.
2
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
3
Pay and get your policy
Now pay the premium and get your policy in your inbox!

What happens after purchase?

Once you have purchased the policy, you will receive the following-

Health card for cashless treatment Use this for cashless treatment at our partner hospitals.
Policy Schedule This will give you the details of the cover. It includes policyholder details, coverage amount, additional clauses, exclusions, warranties, etc.
Premium Receipt You will receive the receipt of the premium amount you have paid to purchase the policy.
80D Tax Deduction Certificate You will get a tax deduction if you pay the premium via credit card/debit card, net banking, or cheque, except cash payment.
Policy coverage and Terms & Conditions You will get a list of coverage along with the terms and conditions of the policy. Please read them carefully.
Claim Form You can submit the claim online or to your nearest branch. You can also email the claim details to us.
Complaint/Feedback Form If you have any complaints/feedback, you can fill in the form and submit it to your nearest branch. You can also email the form to us.
Grievance Redressal If you are not satisfied with our response to your complaint, you can approach the Insurance Ombudsman. In this form, you will find the details about how you can approach the insurance ombudsman along with their addresses.

FG Pocket Clinic

Get access to specialized doctor consultations right at your fingertips.

What is cashless claim process?

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

1

Visit Hospital

Approach the insurance desk of the nearest hospital from our network. Show them your health card for cashless treatment.
2

Verify Yourself

The hospital will verify your identity and submit a filled pre-authorization form with us.
3

Get Admitted

You get admitted to the hospital without any deposit and get cashless treatment.
4

Peace of Mind

Once you are discharged, the hospital will send the claim documents to us. We will settle the bill with the hospital directly.

What is the reimbursement claim process?

Our claim settlement process is fast and reliable

1

Collate Documents

After you are discharged from the hospital, pay all the bills and collect the original documents for the treatment and medical expenses.
2

Claim Form

Download and fill out the FG Health Absolute claim form.
3

Document Submission

Submit the original documents to your nearest branch.
4

Claim Settlement

We will settle the claim as per the terms and conditions of the policy.

FAQs – Frequently asked questions

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Why should I choose FG Health Absolute?

Our FG Health Absolute insurance is designed specifically to cover the complete physical and mental well-being of your entire family. It allows you to cover up to 15 members under the same policy. You can enjoy several benefits including reward points that are not present in a standard health insurance plan.

What are the sum insured options available under the product?

You can opt for these sum insured options on individual and floater sum insured basis- ₹ 3L, ₹ 5L, ₹ 10L, ₹ 15L, ₹ 20L, ₹ 25L, ₹ 30L, ₹ 35L, ₹ 50L, ₹ 75L, ₹ 1Cr.

What are the policy periods available for FG Health Absolute?

You can FG Health Absolute opt for 1, 2, or 3 years.

Is there any age limit for getting covered under Health Absolute?

The minimum age to be covered under FG Health Absolute is 1 day and there is no restriction for the maximum age. However, renewal of the policy can be lifelong.

What is the definition of family?

Plans	Individual/ Non-Floater	Floater
Classic	Self + Spouse / Live-in partner + 3 Children (Up To 25 Years) + 2 Parents.	Self + Spouse / Live-in partner + 3 Children (Up To 25 Years)
Platinum/ Signature	A maximum of 15 members can be covered under one policy either on an individual or Non -floater Sum insured basis.	Self + Spouse / Live-in partner + Children (Up To 25 Years) + 2 Parents + 2 Parents in Law

Does the policy cover transgenders?

Yes, transgenders are covered under the policy along with their partners.

Will I get a discount for insuring more than 1 family member under the same policy?

Yes. If you insure more than 1 member under the same FG Health Absolute policy, you will receive a 10% family discount under a non-floater policy. No family discount applies for a floater policy.

Will there be a pre-policy check-up for buying this policy?

Yes. If you buy the classic plan, members above 50 years will have to undergo a pre-policy check-up. If you buy the signature or platinum plan, members above 18 years will have to undergo a pre-policy check-up.

Who can avail of the wellness benefits?

All insured members above 18 years can avail of the wellness benefits. For this, the insured person has to register on the FG mobile app with their unique mobile number and the policy number.

Will I get any premium discount on renewal under wellness benefits?

a. Under the FG Health Absolute policy, the insured person will be eligible to earn reward points. This will help them assess their health status and improve their overall well-being. These activities performed by the insured person will determine their reward points.

The points earned in a year will be equal to a certain percentage of the premium specific to the insured person. Here is a table for reference-

Points earned per member per year	Value of points earned
185-200	5%
150-184	4%
100-149	3%
15-99	2%

b. If the insured person does not opt for a renewal discount, they can use the reward points for OPD consultations /Diagnostics tests and/or Purchase of prescribed medicines through our tie-up wellness partners. They can do this up to 3 months from the policy expiry date.

What are the conditions for using the wellness reward points?

a) The points can be used by all members covered under the policy, regardless of who contributed to earning them.

b) If you have opted for a long-term policy, you can carry forward the points from the 1st year to the 2nd and 3rd years.

c) You can burn the points for the following benefits-

Availing of out-patient consultations from clinics in our wellness partner network.
Diagnostic or preventive tests from clinics in our wellness partner network.
Purchase of prescribed medicines through an online pharmacy from our wellness partner network.
Reimbursement of Non-medical expenses in case of a claim under hospitalization expenses.
Renewal discount.

How is the premium calculated?

If you buy an individual policy, the premium will be based on the age band and sum insured you select.

If you buy a family floater, the premium for the primary insured member will remain the same as given in the individual table. For the other members, the premium is calculated based on the floater discount.

See the below table for reference.

Age Bands	Floater Discount	Age Bands	Floater Discount
0-17	60%	51-55	40%
18-25	55%	56-60	35%
26-30	50%	61-65	35%
31-35	45%	66-70	35%
36-40	45%	71-75	35%
41-45	40%	76-80	25%
46-50	40%	>=80	25%

What is the sublimit of cataract surgery?

We pay for cataract surgery, up to 10% of the sum insured for each eye, maximum up to the amount specified in the Policy schedule, after the expiry of the two years waiting period.

What is a cumulative bonus? How much bonus can I get under FG Health Absolute?

A cumulative bonus means when we increase your sum insured without increasing your premium. For every claim-free policy (where no claims are reported), the cumulative bonus will be increased by 50%. This does not include a claim under OPD treatment and Wellness Benefits. To get the bonus, you have to renew the policy without a break. This is limited to a maximum of 100% of the sum insured under the current policy year.

If you report a claim in any year, the cumulative bonus will be reduced at the rate at which it has accumulated. However, your sum insured will remain the same.

Are maternity and infertility covered under FG Health Absolute?

Yes. Maternity treatment is covered with a waiting period. Infertility is covered in the Platinum and Signature Plan, over and above the maternity limit. It is covered after a waiting period of 3 years.

What is the waiting period in the policy?

24-month waiting period for:

Pre-existing conditions, Internal Congenital Anomalies, Cataracts, Benign Prostatic Hypertrophy Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, all types of nasal and para nasal sinus related disorders, Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, All internal or external tumours/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumour or growth. Surgery for prolapsed intervertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers, any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears and tonsils.
36-month waiting period for:

Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age-related osteoarthritis, Osteoporosis, unless such joint replacement surgery is medically necessary due to injury.
30-day waiting period for:

Medical expenses for any illness diagnosed or diagnosable except those incurred as a result of Injury.

Where can I contact in case of a claim?

You can call on our 24 hours call centre on 1800 103 8889 or Fax on 1800 103 9998. Or mail us at fgh@futuregenerali.in.

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PRODUCT NAME: FG HEALTH ABSOLUTE | UIN NO: FGIHLIP23059V012223 | LAUNCH DATE: 1ST SEP 2022

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A health insurance that you can use
every day, not just one day.

What is FG Health Absolute?

Reasons to buy FG Health Absolute

What is in it for you?

What is covered?

What is not covered?

Plans that we offer

Want to know which plan to buy?

Wellness benefits you will receive

What are the value-added services?

Tele counselling

Health Contents

Webinars

Vouchers

Health check-up

FG Insure App

What are wellness reward points?

Conditions applicable for earning the reward points-

How Can I Buy
FG Health Absolute?

Get a quick quote

Fill the form

Pay and get your policy

FG Pocket Clinic

What is cashless claim process?

What is the reimbursement claim process?

FAQs – Frequently asked questions

Need to know more about Health Insurance?

Download documents

Share your details

Thank you for your interest!

A health insurance that you can use every day, not just one day.

What is FG Health Absolute?

Reasons to buy FG Health Absolute

What is in it for you?

What is covered?

What is not covered?

Plans that we offer

Want to know which plan to buy?

Wellness benefits you will receive

What are the value-added services?

Tele counselling

Health Contents

Webinars

Vouchers

Health check-up

FG Insure App

What are wellness reward points?

Conditions applicable for earning the reward points-

How Can I Buy FG Health Absolute?

Get a quick quote

Fill the form

Pay and get your policy

FG Pocket Clinic

What is cashless claim process?

What is the reimbursement claim process?

FAQs – Frequently asked questions

Need to know more about Health Insurance?

Download documents

Share your details

Thank you for your interest!

A health insurance that you can use
every day, not just one day.

How Can I Buy
FG Health Absolute?