Health Elite: Comprehensive Health Insurance Plans

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What is FG Health Elite?

Future Generali Health Elite is an exclusive insurance policy designed for our premium customers. As a privileged customer, you enjoy access to premium healthcare services that are absent from standard health insurance plans.

With Future Generali Health Elite, you get a tailored plan that gives you maximum coverage and a world of exclusive benefits

You only want the finest things in life. Food, travel, and experiences. So why should you settle for less when it comes to your health?

Future Generali Health Elite is more than a simple insurance policy. Our exclusive plan is designed to take care of your all-round health. We’ve picked the finest quality healthcare and packaged it in a comprehensive policy.

We are always by your side, in sickness and in health. Secure your health and finances with a policy that’s designed just for you!

Why buy FG Health Elite

Higher Sum Insured

We gives you a higher sum insured than standard plans. Enjoy maximum coverage that takes care of all your medical expenses..

Comprehensive Plan

We give you comprehensive coverage that pays for your global treatments, OPD expenses, home visits, air ambulance, and more!

Cashless Claims

Get access to our wide network of more than 6000+ hospitals that offer cashless claim settlement.

One Cover for Your Family

We care about your family’s safety too. Cover up to 15 family members with our Family Floater.

Holistic Coverage

We focuses on your holistic well-being. This means we care just as much about your mental as your physical health.

Tax Benefit

The premiums you pay on your insurance plan are exempt from taxes under Indian laws. Protect your financial future as you save on your current taxes.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

10% family discount when you cover yourself and one more individual under a single proposal with individual sum insured option
Flexible premium payments - monthly, quarterly, half-yearly, and annually in case of long term policies
Floater discount on premiums paid for dependent members
7.5% discount if the proposal is logged on our website
We give you a long-term discount when you make a single payment for a policy term of more than one year
No loading for a bad claim experience

What is covered?

INCLUDED

Pre and Post-hospitalization Expenses

We understand that treatment isn’t limited to hospitalisation. Our pre- and post-hospitalisation cover pays for your costs up to 60 days before admission and 180 days after discharge.
Domiciliary Hospitalization Expenses

We pay for your expenses during at-home medical treatment (domicile) for a period of more than three days.
Road Ambulance Charges

We make sure you reach the hospital safely with our Emergency Ambulance Expenses Cover.
Maternity Expenses

Bringing a new life into the world doesn’t have to be financially stressful. That’s why our policy covers all child delivery expenses, including pre- and post-natal medical expenses.
Inpatient Treatment

If an injury or accident sends you straight to a hospital bed, don’t worry! Our policy will pay for your room rent, boarding, and nursing expenses.
Day Care Treatment

We pay for your day care expenses too.
Organ Donor Expenses

We also cover the organ donor’s treatment costs.
Patient Care

We pay for all inpatient care costs, up to 10 days after discharge (limited to a maximum of 30 days per policy year).
New Born Baby

We take care of your newborn’s expenses related to hospitalization - from the day of birth to 91 days.
Global Medical Treatment

We pay for your costs in treatment abroad - listed critical illnesses, return airfare, and emergencies (except the USA and Canada).
Child Vaccination Benefits

We pay for your child’s vaccination expenses up to 12 years of age.
Accidental Hospitalization

If you meet with an accident and need hospitalization, we give you additional sum insured.
Out-Patient Medical Expenses (Consultation and Diagnostic)

We pay for all treatment expenses that do not require a hospital stay or admission (consultations and diagnostics). We also pay for prescribed medications, up to 80% of the cost.
Dental consultations and diagnostics only (up to 70%)

We pay for up to 70% of your costs.
Out-Patient Medical Expenses (Prescribed Medications up to 80%)

We pay for your prescribed medicines, up to 80% of the total cost.
Alternative Treatment

If you prefer alternate forms of healing, we have you covered! We cover all the medical expenses related to Unani, Ayurveda, Siddha, and Homeopathy treatments.
Medications

The plan covers the total cost of your prescribed medicines.

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%

What is not covered?

NOT INCLUDED

Congenital diseases & illnesses
Any unnatural cause of physical injury like alcohol, drug influence, etc.
Injury or illness caused in a war, invasion or other similar operations
Hormone or sex-change related treatment
Non-prescribed drugs & medicines

The above list of exclusions is indicative. For more details, please refer to the Policy Wordings.

Small waiting period for inclusion of specific benefits

WAITING PERIOD	CATEGORY
30 days	General
24 - 48 months	Specified disease/procedure
24 months	PED
24 months if you and spouse are covered and 48 months if only you are covered	Maternity expenses

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

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 Elite policy.

FG Health Elite 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

Fitness/ Healthy Lifestyle tracking

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 Content

You will have access to articles, videos, nutrition charts, exercises 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 Elite?

You can purchase our policies in several ways:

You Can Call On Our HELPLINE

1800 266 1112

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 Use this for the cashless facility at our network hospitals.
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 certificate if premium is paid by cheque 80D certificate if premium is paid by cheque.
Policy Coverage and Terms & Conditions This is a partial description of the covers. Please read the policy wordings for complete details on the terms and conditions.
Claim Form You can intimate your claim online or submit the form to your nearest branch or alternatively email us.
Complaint/Feedback Form If you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.
Grievance Redressal If you aren’t satisfied with our response to your complaint, you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the ombudsman, along with the addresses of the ombudsman.

FG Pocket Clinic

Get access to specialized doctor consultations right at your fingertips.

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

What is medical treatment abroad claim process?

Here is how you can file your claim

1

Call Service Provider

When you get a diagnosis, call us or our assistance service provider.
2

Pre-authorisation

Before you travel overseas for your treatment, request for pre-authorisation. Do this at least 15 days before you are admitted to the hospital.
3

Direct Communication

If the hospital agrees for cashless facility, Future Generali or its assistance service provider communicate directly with the hospital.
4

Approval

We tell you if your pre-authorization request has been approved.
5

Claim Settlement

Once approved, Future Generali or its assistance service provider directly settle the claim with the hospital.

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FAQs – Frequently asked questions

Why should I choose Future Generali Health Elite?

Future Generali Health Elite Insurance is specifically designed to meet the needs of High-Net-Worth Individuals. It gives you access to premium healthcare services and well-being benefits that are not present in a standard health insurance plan.

What are the sum insured options for the product?

You can opt for these sum insured options on individual and floater sum insured basis - ₹75 L, ₹1 Cr, ₹1.5 Cr, ₹2 Cr, ₹2.5 Cr, ₹3 Cr, ₹3.5 Cr, ₹4 Cr, ₹4.5 Cr, ₹5 Cr, ₹5.5 Cr, ₹6 Cr

What are the policy periods available Future Generali Health Elite?

Future Generali Health Elite is available for 1, 2, and 3 years.

Who will be eligible for opting FG Health Elite product?

This Policy is available to all the Insured Persons who are Indian Nationals and are resident of India at inception of the Policy and at subsequent renewals of this Policy. If there is change in the resident status, then insured is required to inform Us in writing at renewal.

What is the age eligibility for getting covered under the policy?

The minimum age of entry is 91 days and the maximum is 65 years. However, renewal can be lifelong.

What is the ‘family’ definition?

A ‘family’ can include Self, Spouse/ Live-In Partner, Children, Parents, Parents-in-law, Dependent Siblings, Daughter-in-law, Son-in-law, Grandparents, and Grandchildren. You can insure a maximum of 15 members under one policy on either individual or floater sum insured basis.

Will there be pre-policy check-ups for buying this policy?

Yes, all insured above 18 years need to undergo pre-policy check-ups.

Will I get a discount if I am insuring more than one family members in the same policy?

Yes, you can get a 10% family discount under Individual Future Generali Health Elite in case insured members are more than one under a single policy. No family discount is available for the floater policy.

How is the premium calculated?

For an individual policy, it is calculated according to the age band and the sum insured.
For family floater, the premium for the primary insured is according to the numbers in the individual table.
For remaining dependent members, you can check floater discounts in the table below.

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%	>=81	25%

Will there be a separate sum insured offered for the medical treatment abroad benefit?

Single sum insured is offered for medical expenses within India and outside India.

Which benefits do I get for outside India medical expenses?

Outside India medical expenses are covered as follows -
i. Medical treatment abroad (excluding USA and Canada) includes

Listed Critical Illnesses Treatment
Emergency Treatments

ii. Emergency ambulance expenses
iii. Repatriation of mortal remains

Can I opt for Medical Treatment Abroad for USA and Canada?

The insured has the option to extend the scope of Benefit 2 (Medical Treatment abroad), Benefit 3 (Emergency Ambulance Expenses) and Benefit 14 (Repatriation of mortal remains) to include USA and Canada –

at inception, or
on renewal, by paying an additional premium

The option to include USA and Canada covers is available for insured persons – for both individual and floater sum insured options. Once you opt for this, there will be a lock-in period of 3 years.

When do I have to inform Future Generali if I want to make a claim under Medical Treatment Abroad benefit?

a) For the Listed Critical Illness Treatment section, the insured person needs to inform us or our assistance service provider before going for medical treatment abroad. Our assistance service needs 7 working days to confirm this claim and coordinate with the hospitals.
b) For Emergency Treatment section, you need to inform us or our assistance service provider in 2 days from the date the illness or injury occurs or when you are admitted to the hospital, whichever is earlier.

Can I make a claim for ambulance services for within India/outside transportation?

Claims for both road and air ambulance services can be made if we have approved a claim for the same illness or injury under Benefit 1 (Hospitalization Expenses) and Benefit 2 (Medical Treatment Abroad). You can avail this benefit up to the sublimit specified under the policy.

Road ambulance services of a hospital or a registered service provider are available to transport the insured -

i. from place of residence or the place where the injury has happened to the nearest hospital and;
ii. from one hospital to another, if the transportation is medically necessary.

Air ambulance of a hospital or a registered service provider is available for the insured’s necessary medical evacuation in an emergency, if-

i. The evacuation is recommended and certified by a medical provider
ii. We or our assistance service provider has approved these medical expenses You can use the ambulance service for transportation within the country only. We do not pay for transportation between countries.

Can hearing and optical aids be covered under the policy?

We will cover the cost of insured persons prescribed spectacles /contact lenses and hearing aids, up to the sub limits specified under the policy. You can avail these benefits every alternate policy year.

Who can avail the wellness benefits?

All insured persons above 18 years of age can avail the wellness benefits. The insured must register on the FGII mobile app with their mobile number and the policy number for enjoying these benefits.

What are the conditions for burning of wellness reward points?

1) The points earned will float among all members of the family irrespective of the persons who earned the points.
2) Points earned in first year can be carried forward to the 2nd or 3rd year in case of long term policies.
3)You can burn the points for using these benefits - i. When you avail out-patient consultations through the Wellness Partner network clinics
ii. When you take diagnostic and preventive tests through the Wellness Partner network clinics
iii. When you purchase prescribed medicines through an online pharmacy that has a tie-up with our Wellness Partner
iv. When you claim reimbursement of non-medical expenses under Benefit 1 (Hospitalization Expenses)
v. When you get a renewal discount

How is renewal discount applied?

The policy holder can use the balance reward points to get a discount on the premium when they renew the policy.
If the insured does not opt for renewal discount, then they can redeem the wellness reward points for OPD consultations/diagnostics tests and/or purchasing prescribed medicines through our Wellness Partners. This is applicable for a period of up to 3 months from the policy expiry date.

What is cashless claim process?

Here is how you can file your claim in minutes:
6. Visit the insurance desk of your nearest Future Generali Network Hospital and show your health card for Cashless Treatment
7. The Network Hospital will verify your identity and submit the pre-authorization form to Future Generali
8. You get admitted without any deposit and enjoy cashless treatment
9. Once you are discharged, the hospital will send your claim documents to Future Generali and we will directly settle the amount with the hospital

What is the reimbursement claim process?

Our claim settlement process is fast and reliable:
5. When you are discharged, pay all hospital bills and collect all original documents of your treatment and bills
6. Download the Future Generali health claim form and fill it
7. Submit original documents to the nearest Future Generali branch
8. We will settle the claim as per the policy terms and conditions

What is the claim process for Medical Treatment Abroad?

We settle your cashless claim for international medical treatment reliably -
8. When you get a diagnosis, call us or our assistance service provider. Before you travel overseas for your treatment overseas, request for pre-authorisation. This should be done at least 15 days before the planned date of hospital admission.
9. If the hospital agrees for cashless facility, Future Generali or its assistance service provider will communicate directly with the hospital and the insured. We will tell you if your pre-authorization request has been approved or denied.
10. If your pre-authorization request is approved, Future Generali or its assistance service provider will directly settle the claim with the hospital.
11. If your request is denied, we will not be settling the claim.
12. Pre-authorization is not mandatory if the insured has a life-threatening medical condition and is admitted under Medical Treatment Abroad, Emergency Treatment.