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What is Health Total?

If you want complete health coverage for you and your family, our Health Total Policy is your best bet! Not only does it cover all your medical expenses, but it also offers discounts, tax benefits, and co-payment options!

Why buy Health Total Plan

Holistic & Comprehensive Plan

Future Generali’s health total plan focuses on your holistic well-being. We cover you for physical health, mental health and includes protection for treatment of COVID-19.

Cashless claims

We offer you a wide network of more than 6000+ hospitals that give you the benefit of cashless claim settlement. Our- in-house claim settlement team processes your cashless claims within 90 minutes.

One cover for your entire family

Future Generali believes in keeping you and those you love fully secure. Our plans can cover up to 15 people from your family, without any upper age limit, under one plan.

Tax benefit

Premiums paid for the health total plan are exempt from taxes up under Section 80D, subject to some limits. You can protect your future, while saving taxes in the present.

What is in for you?

THERE ARE ADDITIONAL BENEFITS FOR YOU!

10% family discount if you cover yourself and one more person in the same plan
10% to 25% discount on premiums if you choose voluntary deductible plan
Floater discount on premiums paid for dependent members
10% discount if you pay all premiums at once
No loading charge for a bad claim experience
Flexible premium payments - monthly, quarterly and half-yearly
15% discount if you buy from our website

What is covered?

INCLUSIONS

People Covered

You can cover up to 15 members of your family depending on the plan chosen i.e. Vital, Superior or Premiere.
Hospitalization Expenses

All expenses incurred as a part of your hospital stay. Some examples include room stay, surgery, etc.
Day Care Treatment

All expenses incurred when you are hospitalized for less than 24-hours. Some examples include chemotherapy, dialysis, cataract, etc.
Pre-Hospitalization Costs

All medical expenses incurred before you are hospitalized. Some examples include doctor consultation costs, diagnostics tests, etc.
Post-Hospitalization Costs

All expenses that occur on your treatment that extends beyond your hospitalization. Some examples include follow-up doctor visits, medications, further diagnostic tests, etc.
Organ Donor Expenses

All expenses incurred in the surgery and storage of organ.
Domiciliary Hospitalization Expenses

All expenses incurred during at-home medical treatment (domicile) for a period of more than three days.
Maternity Expenses

All expenses incurred when a woman is pregnant, including pre-hospitalization expenses, post-hospitalization expenses, delivery charges, pre-and post-natal expenditure, etc.
Mental Illness Cover

All expenses involved in the treatment of mental illness.
Patient Care

All charges incurred in patient care like nursing, etc.
Road Ambulance Charges

Road ambulance expenses involved in providing emergent out-of-hospital medical care when the patient is stationary.
E-Opinion for an Illness or Injury

Expenses involved in seeking medical opinion online for an injury or illness.
Alternative Treatment

All expenses involved in mainstream and accepted form of therapy like Ayurveda/ Yoga and Naturopathy/ Unani, Siddha/ Homeopathy.
Accidental Hospitalization

Additional sum insured if you meet with accident and require a hospitalization.
Emergency Medical Evacuation

All expenses involved in transporting you from a medical facility that is not equipped to treat you to a hospital that is advanced and much more capable for treating your medical issue.
Consultation

Any charges incurred in seeking professional consultation from doctors.
Diagnostic Tests

All expenses involved in diagnosing an illness, including tests, imaging exams, check-ups, etc.
Child Vaccination Benefits

All vaccination expenses up to one year after the birth of the child.
New Born Baby

All new born baby expenses incurred during hospitalization from the day of birth till 91 days.
Medical Treatment Abroad

All costs involved in seeking medical advice, diagnosis, care or treatment abroad.
Out-Patient Medical Expenses (Consultation and Diagnostic)

All treatment expenses that do not require a hospital stay or admission. Some examples include therapy, diagnostic tests, etc.
Medications
Dental consultations and diagnostics only (up to 70%)
Out-Patient Medical Expenses (Prescribed Medications up to 80%)

What is not covered?

EXCLUSIONS

Non-prescribed medicines
Illness due to the consumption of alcohol or drugs
Hormone replacement therapy
Age disabilities or illnesses from birth known as congenital
Sex change treatment
Injuries due to war

You can pick any one of these three plans:

VITAL

Self, spouse, dependent children (unmarried and up to the age of 25 years) and dependent parents

3 Lakhs
5 Lakhs
10 Lakhs

Minimum Policy Term : 1 Year

Maximum Policy Term : 3 Years

Calculate now

SUPERIOR

Self, spouse, dependent (unmarried and up to the age of 25 years) or non – dependent children, dependent or non – dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren.

15 Lakhs
20 Lakhs
25 Lakhs

Minimum Policy Term : 1 Year

Maximum Policy Term : 3 Years

Calculate now

PREMIERE

50 Lakhs
1 Crore

Minimum Policy Term : 1 Year

Maximum Policy Term : 3 Years

Calculate now

Want to know which plan to buy?

Vital Plan
Superior Plan
Premiere Plan

	Vital Plan			Superior Plan			Premiere Plan
Eligibility
Sum Insured (in ₹)	3 lakh	5 lakh	10 lakh	15 lakh	20 lakh	50 lakh	50 lakh	1 crore
Minimum age at entry	1 day	1 day	1 day	1 day	1 day	1 day	1 day	1 day
Maximum age at entry	None	None	None	None	None	None	None	None
Maximum renewal age	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong	Lifelong
Individual SI / Family Floater SI options	Both	Both	Both	Both	Both	Both	Both	Both
Family definition	S+Sp+2C+2P (1+5)	S+Sp+2C+2P (1+5)	S+Sp+2C+2P (1+5)	Extended family up to 15 members	Extended family up to 15 members	Extended family up to 15 members	Extended family up to 15 members	Extended family up to 15 members
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
Day care treatment
Pre-hospitalisation	60 days	60 days	60 days	60 days	60 days	60 days	60 days	60 days
Pre-hospitalisation	90 days	90 days	90 days	120 days	120 days	120 days	180 days	180 days
Restoration of SI
Cumulative bonus - 50% for every claim-free year to max 100%
Maternity benefit - normal delivery (in ₹)	15,000	20,000	25,000	30,000	40,000	40,000	50,000	50,000
Maternity benefit - LSCS (caesarian) (in ₹)	25,000	35,000	45,000	50,000	60,000	60,000	1,00,000	1,00,000
Pre-natal hospitalisation (Within maternity limits)	X	X	X	90 days	90 days	90 days	90 days	90 days
Post-natal hospitalisation (Within maternity limits)	X	X	X	45 days	45 days	45 days	45 days	45 days
Organ donor expenses
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	Max 3,500	Max 3,500	Max 3,500	Max 5,000	Max 5,000
Patient care (Above 60 years) - per day benefit up to max (in ₹)	350/day	350/day	350/day	500/day	500/day	500/day	1,000/day	1,000/day
Patient care (Above 60 year) - maximum	10 days per Hospitalisation and 30 days per policy year
Accidental hospitalisation - 25% increase subject to maximum of ₹ 10 lakh
Accompanying person (Up to 12 years) ₹500 / day to maximum of 30 days
Domiciliary hospitalisation expenses - maximum up to 10% of SI
Alternative treatments Ayurveda / Yoga and Naturopathy / Unani, Siddha / Homeopathy
Medical Treatment Abroad
Medical treatment abroad	X	X	X	X	X	X
Medical treatment abroad - waiting period	X	X	X	X	X	X	3 Years	3 Years
Road Ambulance
Road ambulance charges - network hospitals (in ₹)	1,500	1,500	1,500	Actuals	Actuals	Actuals	Actuals	Actuals
Road ambulance charges - non network hospitals (Reimbursement up to a maximum) (in ₹)	1,500	1,500	1,500	2,000	2,000	2,000	5,000	5,000
Emergency Medical Evacuation
Emergency medical evacuation - 5% of SI (Reimbursement up to a maximum)	X	X	X
E-Opinion
E-Opinion for iIlness / injury (Maximum 2 per policy year)
**Out-patient Medical Expenses
Out-patient consultations and diagnostics (Reimbursement up to a maximum (in ₹)	X	X	X	3,000 for Individual option / 10,000 for Floater option	3,000 for Individual option / 10,000 for Floater option	3,000 for Individual option / 10,000 for Floater option	10,000 for Individual option / 20,000 for Floater option	10,000 for Individual option / 20,000 for Floater option
Prescribed medicines (Reimbursement up to a maximum)	X	X	X	X	X	X	10,000 for Individual option / 20,000 for Floater option	10,000 for Individual option / 20,000 for Floater option
Child Vaccination Benefits
Child vaccination benefits (Reimbursement up to a maximum)	X	X	X	X	X	X	Up to 12 years of age (₹ 5,000 per annum)	Up to 12 years of age (₹ 5,000 per annum)
Wellness Benefits
Wellness including medical tests at designated centres
Family Discount
Family Discount 10% (Individual SI Policies)
Voluntary Deductible
Discount in lieu of voluntary deductible
Waiting Periods
Pre-existing disease
Compulsory waiting period	2 years	2 years	2 years	2 years	2 years	2 years	2 years	2 years
Pre-existing disease - max. liability 3rd year onwards	50%	50%	50%	50%	50%	50%	50%	50%
Pre-existing disease - 3rd Year Onwards	100%	100%	100%	100%	100%	100%	100%	100%
General waiting periods:
30-day - fresh proposals excluding accidental hospitalisation
2-year waiting period for listed conditions
3 years Waiting Period Onwards - Joint replacement and organ transplant
Compulsory Co-pay
20% co-payment where entry age is from 60 years to 64 years
25% co-payment where entry age is from 65 years to 69 years
30% co-payment where entry age is from 70 years to 74 years
40% co-payment where entry age is 75 years and above

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How Can I Purchase
Future Generali Health Insurance?

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 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 Tax deduction 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 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.

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

FAQs – Frequently asked questions

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How is premium calculated?

In case of Individual policy it is as per the age band and the sum insured selected by the customer.

In case of family floater the premium for the primary insured remains at actuals from the individual table. For remaining dependent members discounts applicable on their respective premium is as table below.

Age Band	Discount Rates	Age Band	Discount Rates
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%	81-85	20%
		>85	20%

Why choose Health Total?

Comprehensive cover
Hospitalization Medical Expenses,Day Care Treatment expenses,Pre-hospitalization Medical Expenses,Post-hospitalization Medical Expenses,Restoration of the Sum Insured,Maternity Expenses,Organ Donor Expenses,Road Ambulance Charges,Domiciliary Hospitalisation Expenses,New Born Baby (applicable for Superior Plan and Premiere Plan),Alternative Treatment,Wellness Care,Cumulative Bonus,100% Reimbursement of cost of pre insurance medical examination upon acceptance of proposal,Cover up to 15 family members under Superior and Premiere plan,Patient Care,Accidental Hospitalization (Increase in sum insured),Accompanying Person,Emergency medical Evacuation (applicable for Superior Plan and Premiere Plan),Out Patient Medical Expenses (applicable for Superior Plan and Premiere Plan),Child Vaccination Benefits (applicable for Premiere Plan),E-Opinion in respect of an Illness or Injury,Medical Treatment Abroad (applicable for Premiere Plan)

Optional Covers
You get Long term discount if you pay premium for more than one year, You get discounts in premium if you choose to opt voluntary deductible are chosen.

Will you get discount if you are insuring more than one family member in the same policy?

Yes 10 % Family discount will be given under Individual Health Total in case insured members are more than one under a policy. No family discount is applicable for floater policy.

Is there any grace period available to renew the policy when a customer forgets to renew before the expiry date of the expiring policy?

In case of our renewal a grace period of 30 days is permissible and the Policy will be considered as continuous for the purpose of all waiting periods and health check-up benefits. However, We shall not provide coverage under the Policy to the Insured Persons for any Illness or Injury that occurs during the break period or for any claim which arises during the break period.

What other assistance is available on call center?

Call Centre will assist you with emergencies, your eligibility and status, documentation support and general information on the health policy. Call center will not impart any medical advice on the telephone.

What is the family definition?

Vital Plan: Self, spouse, dependent children and dependent parents.Children will be covered as dependents up to 25 years of age.

Superior and Premiere Plan: Self, spouse, dependant or non-dependent children, dependent or non-dependent parents, Dependent Siblings, daughter in law, son in law, parents in law, grandparents and grandchildren.

What is Day Care Procedure?

Day care Procedure means the course of medical treatment or a surgical procedure listed in the Policy wordings which requires less than 24 hours admission. This excludes all procedures or treatment taken in out- patient departments.

What is the sublimit for surgery on cataract?

Our obligation to make payment in respect of Surgery for cataracts (after the expiry of the two years waiting period), shall be restricted to 10% of the Sum Insured for each eye, and a maximum of Rs.1,00,000/- per eye.

What do terms Cashless Facility and Claim Reimbursement mean?

The cashless facility can be availed in case of admission in network hospitals. If the policy holder presents the heath card or cashless card at the network hospital, the hospital authorities contact us and provide the details of the hospitalization. If the illness is covered as per the policy terms and conditions Authorization letter is issued to the hospital. The hospital sends all the bills and documents to us for settlement. The insured has to pay the non-admissible expenses to the hospital.

Claim-Reimbursement
If the admission is in Non-network hospital then you need to settle the hospitals bills & submit the hospitalization documents along with the claim form for reimbursement of hospitalization expenses.

What do we mean by cumulative bonus? How much bonus is offered under Health Total?

Cumulative Bonus means any increase in the sum insured granted by the insurer without an associated increase in premium.

If no claim has been made in respect of any Benefits with the exception of any claim under Benefit 13 (OPD Treatment) and the Policy is Renewed with Us without any break, We will apply a bonus to the next Policy Year by automatically increasing the Sum Insured for the next Policy Year by 50% of the Sum Insured for this Policy Year. The maximum bonus for any Policy Year will not exceed 100% of the Sum Insured of the first Policy Year.

If a Cumulative Bonus has been applied and a claim is made, then in the subsequent Policy Year We will automatically decrease the Cumulative Bonus by 50% of the Sum Insured in the following Policy Year. However this reduction will not reduce the Sum Insured below the base Sum Insured of the Policy.

Whom can I keep as my nominee?

A nominee can be spouse, children or parents.

Does Health Total cover Senior Citizens?

Yes Senior citizens can apply for the cover as there is no limit on entry age.

Are all the systems of medicine covered under this insurance plan ?

Hospitalization under Ayurveda, Unani, Siddha, or Homeopathy (AYUSH ) are covered provided that the treatment has been undergone in a government hospital or in any institute recognized by government and / or accrediated by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.

Is there any tax benefit?

Yes. Premium paid by any mode other than Cash / DD under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

What do you mean by Restoration benefit?

If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims incurred and paid during the Policy Year or incurred during the Policy Year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year, provided that:

The Restore Sum Insured will be enforceable only after the Sum Insured and the Cumulative Bonus have been completely exhausted in that Policy Year;

The Restore Sum Insured can only be used for claims made by the Insured Person in respect of Benefits 1-4 (refer policy wordings).

The Restore Sum Insured cannot be used for claims based on Maternity Expenses/Treatment;

The Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an Illness (including its complications) for which a claim has been paid in the current Policy Year under Benefits 1-4(refer policy wordings).

Only the Sum Insured (excluding Cumulative Bonus) will be considered as Restore Sum Insured;

The Restore Sum Insured will only be applied once for the Insured Person during a Policy Year;

If the Restore Sum Insured is not utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.

If the Policy is opted by You on a ‘Family Floater’ basis as specified in the Schedule, then the Restore Sum Insured will only be available in respect of claims made by those Insured Persons who were Insured Persons under the Policy before the Sum Insured and Cumulative Bonus was exhausted.

What is dependent sum insured criteria?

In case of individual Sum Insured option, dependents sum insured can be upto two Sums Insured lower than Self /Proposer’s sum insured

How do I decide on an appropriate cover amount?

You can choose from 3 plan types ( Vital, Superior and Premier).

Plan - Sum insured (in Rs )
Vital - 3, 5, 10 lakhs
Superior - 15, 20, 25 lakhs
Premiere - 50 lakhs, 1 Crore.

What are the entry age limits under Health Total?

The minimum age required for entry is 1 day. There is no limit of Maximum age for entry. Children will be covered as dependents up to 25 years of age.

What do you mean by in-patient and out-patient Treatment?

When an insured is hospitalized and stays in hospital for more than 24 hours solely for receiving treatment it is termed as inpatient treatment.

Out-patient treatment is when insured visits a clinic/hospital or a consultation room for diagnosis and treatment based on the advice of medical practitioner. In out-patient hospitalizationpatient is not admitted under a day care or as an in-patient.

What is included in Donor expenses?

Future Generali under this policy will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated provided that:

The organ donor is any person whose organ has been made available in accordance and in compliance with the Transplantation of Human Organs Act, 1994 and the organ donated is for the use of the Insured Person;

We will not pay the donor’s screening expenses or pre and post hospitalisation expenses or for any other medical treatment for the donor consequent on the harvesting;

We have accepted claim under Hospitalisation medical expenses for the Insured Person and the Insured Person has been Medically Advised to undergo an organ transplant;

Costs directly or indirectly associated with the acquisition of the donor’s organ will not be covered.

What is the time limit to notify the claim?

In case of Emergency hospitalization You need to notify us at the earliest and not later than 48 hours from the time of hospitalization or prior to discharge whichever is earlier. In case of planned admission you need to notify atleat 48 hours in advance prior to admission in the hospital.

What are the General Exclusions under the policy?

The treatment of obesity (including morbid obesity) and other weight control programs, services and supplies. External Congenital Anomaly and related Illness/ defect.

Vitamins, tonics, nutritional supplements unless forming part of the treatment for Injury or Illness as certified by the attending Medical Practitioner. Genetic disorders and stem cell implantation/Surgery/storage. Treatment for any mental illness or psychiatric illness.

Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).

Any treatment received in convalescent home, rehabilitation centre, convalescent hospital, health hydro, nature care clinic or similar establishments.

Non-prescribed drugs and medical supplies, hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.

Any treatment required arising from Insured Person’s participation in any hazardous activity including but not limited to scuba diving, motor racing, parachuting, hang gliding, rock or mountain climbing unless specifically agreed by Us.

What are the waiting periods in the policy?

24 months waiting period for:
Pre existing conditions, Cataracts, Benign Prostatic Hypertrophy
Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, All types of sinuses
Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy,
All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth.
Surgery for prolapsed inter vertebral 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 months waiting period for
Organ transplant, Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age related osteoarthritis, Osteoporosis , unless such joint replacement surgery is medically necessary due to injury.

First 30 days waiting period for
For medical expenses incurred for any illness diagnosed or diagnosable except those incurred as a result of Injury.

Is there an exit age under Health Total?

No, there is no exit age in this policy.

Where do I need to submit claim documents?

You can submit your claim documents at our nearest branch office or you may even send documents at the following address.

Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Co. Ltd.
Office No. 3, 3rd Floor, “A” Building , G - O – Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad, Pune - 411 057.
Toll Free Number: 1800 103 8889
Toll Free Fax: 1800 103 9998
Email: fgh@futuregenerali.in

What are the exclusions applicable for OPD treatments ?

Any expenses in excess of the maximum amount payable under the outpatient medical expenses limit specified in the Schedule of Benefits.

Any expenses for OPD Treatment including dental expenses in case of Vital Plan.

Any expenses for prescribed medications in case of Superior Plan.

Any expenses for consultation, diagnostics, medications which are not duly supported with medical documents from the Medical Practitioner mentioning:

-Diagnosis;

-Referral for diagnostic test;

-Prescription for medications.

Costs incurred on all methods of treatment except Allopathic.

What is Family floater Health Total policy?

This is a health insurance policy which covers inpatient hospitalization expenses. In this cover, single sum insured floats/is shared by all family members.

Where do I contact in case of a claim?

You may call on our 24 hours call center on 1800 103 8889 or Fax on 1800 103 9998.

Or mail us on fgh@futuregenerali.in

What is e-opinion in respect of an illness or Injury ?

If an Insured Person suffers an Illness or Injury during the Policy Period in respect of which a claim has been admitted under Hospitalisation medical expenses then at the Insured Person’s request We will arrange a maximum of two e-opinions (in a Policy Year) from a Medical Practitioner selected by the Insured Person from Our panel. The e-opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person.

Who will be paying for the pre policy tests?

The customer has to first pay the tests charges for his pre policy tests directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, customer can claim for 100% reimbursement by submitting the original payment receipt.

Is there any provision of enhancing the Sum Insured after taking Health Total?

Change in Sum Insured /Plan can be done at renewals only. No increase/decrease in Sum Insured/Plan is allowed during the currency of the policy. Increase in Sum Insured can be allowed up to two slabs higher, whereas increase in Plan can be allowed up to one plan higher.

For age group above 60 years, increase in Plan would not be allowed.For age group up to 50 years increase in sum insured up to Rs 10Lacs (within Vital Plan) can be allowed without medical examination (in case of no claim / no health declaration). For Superior/Premiere Plan (Sum Insured above 10 lakhs), medical examination is required irrespective of age.

For age group above 50 years increase in sum insured can be allowed with medical examination.Decrease in Sum Insured allowed up to one slab lower only, in case of no claim in any preceding Health Total policies.

The Dependent Sum insured criteria will apply for enhancement of sum insured for dependent.Sum insured enhancement would be allowed for age group lower than 50 years in case of portable policies.

What do you mean by entry age?

The age eligibility of the insured for taking the policy is the Entry age. Age will mean completed age as on last birthday.

Who will require undergoing pre policy medical examinations?

Plans	Vital	Superior
Age Band	Upto 50 years	Above 50 years	From 18 years to 50 years	Above 50 years	From 18 years to 50 years
Medical tests	Not Required	Required	Required	Required	Required	Required

Proposals with health declarations may also be advised Pre policy medical examinations irrespective of age.

Pre policy tests need to be done in the empanelled diagnostic centers only.

The test would be valid for a period of one month from the date the tests have been conducted.

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PRODUCT NAME: HEALTH TOTAL | UIN NO: FGIHLIP25037V062425 | LAUNCH DATE: 16th SEPTEMBER 2024

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Protect your family's health, affordably.

What is Health Total?

Why buy Health Total Plan

Holistic & Comprehensive Plan

Cashless claims

One cover for your entire family

Tax benefit

What is in for you?

What is covered?

What is not covered?

You can pick any one of these three plans:

What Future Generali Health Insurance Offers

How Can I Purchase
Future Generali Health Insurance?

Get a quick quote

Fill the form

Pay and get your policy

FG Pocket Clinic

What is the reimbursement claim process?

What is cashless claim process?

FAQs – Frequently asked questions

Need to know more about Health Insurance?

Share your details

Thank you for your interest!

Download documents

Protect your family's health, affordably.

What is Health Total?

Why buy Health Total Plan

Holistic & Comprehensive Plan

Cashless claims

One cover for your entire family

Tax benefit

What is in for you?

What is covered?

What is not covered?

You can pick any one of these three plans:

What Future Generali Health Insurance Offers

How Can I Purchase Future Generali Health Insurance?

Get a quick quote

Fill the form

Pay and get your policy

FG Pocket Clinic

What is the reimbursement claim process?

What is cashless claim process?

FAQs – Frequently asked questions

Need to know more about Health Insurance?

Share your details

Thank you for your interest!

Download documents

How Can I Purchase
Future Generali Health Insurance?