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What is Health Vital?

Health Vital is a health insurance product designed to provide affordable and accessible health coverage to everyone. It provides financial protection against unexpected medical expenses, ensuring you can receive the necessary medical care without worrying about high bills.

At Future Generali, we believe health insurance does not have to be a luxury. This is why we offer affordable premiums designed to fit everyone's budget and income levels. With Health Vital, we ensure more people can afford to protect their health and well-being through comprehensive insurance coverage.

Whether it's regular check-ups, emergencies, or hospitalizations, Health Vital provides peace of mind and financial security, so you can focus on recovery. By offering essential coverage at affordable premiums, Health Vital ensures everyone has access to basic healthcare services when needed most.

Get coverage for doctor consultations, diagnostic tests, hospital stays, prescription medications, maternity, and more at affordable premiums.

Features of Health Vital

Essential Coverage

Health Vital offers extensive coverage for a wide range of medical expenses, ensuring financial protection during health emergencies, hospitalizations, surgeries, and more. This provides peace of mind for planned and unforeseen medical needs.
Affordable Premiums

Designed with affordability in mind, Health Vital offers competitive premiums to suit every budget. We ensure securing adequate health insurance coverage is accessible for individuals and families without straining their finances.
Individual and Family Floater Plans

Health Vital comes with the flexibility of both individual health insurance plans and family floater plans. Individual plans cater specifically to the insured person, while family floater plans cover the entire family under a single policy, ensuring convenience and cost-effectiveness.
Premium Installment Facility

With Health Vital, you can enjoy flexible premium payment options. Choose from a wide range of installment facilities such as single payment, half-yearly, quarterly, or monthly payments for long-term policies. This flexibility allows you to manage your budget effectively without compromising on the coverage.
Loading on Claim Experience

We do not impose any additional premium based on claim history or adverse claims experience. This ensures you pay a fair amount, regardless of previous claims.
Tax Benefits

Premiums paid for Health Vital by any mode other than cash and demand draft are eligible for tax benefits under Section 80D of the Income Tax Act. This allows you to reduce your tax liability while enjoying coverage against unforeseen medical expenses.

Benefits of Buying Health Vital Online

15% Online Discount

You get 15% online discount on the premium if you buy from our website directly

24/7 Availability

Unlike a physical branch, you can buy the health insurance plan online at any time of the day. This is particularly helpful for busy professionals and individuals with demanding schedules. Through an online platform, you can easily identify and buy the most suitable health insurance plan instantly without being restricted by office hours.

Transparent Information

Buying Health Vital online is easy and convenient. You can access comprehensive and transparent information about the insurance plans right on our website, including details for coverage, exclusions, terms and conditions, premium calculations, etc. This empowers you to make informed decisions based on your specific needs and budget.

Instant Policy Issuance

When you buy Health Vital online, you don't have to wait for days or weeks to receive the policy documents. Once your online application and payment are processed, you will instantly receive the policy documents in your inbox. This eliminates the hassle of lengthy paperwork, providing immediate coverage and peace of mind.

User-Friendly Interface

Future Generali offers a user-friendly interface that guides you through the insurance process step-by-step. This makes it easier to navigate and complete your online purchase quickly.

Secure Transactions

We've implemented strict security measures on our platform to ensure your personal and financial information remains confidential and protected. We also use secure payment gateways to process all transactions securely.

Why Choose Future Generali’s “Health Vital”?

Flexible Sum Insured

Future Generali’s “Health Vital” offers sum insured options, including 5 lakhs, 10 lakhs, and 15 lakhs. It is a basic health insurance plan that ensures you and your family have adequate financial protection against unforeseen medical costs.
Essential Coverage

Health Vital provides essential coverage for inpatient treatments, diagnostics, surgeries, AYUSH and Modern Treatments. This ensures you are protected against a wide range of medical conditions and healthcare needs, offering peace of mind.
Cashless Claims

Future Generali offers cashless claims at network hospitals, allowing you to get the necessary medical care without paying upfront. This eliminates financial stress during medical emergencies, ensuring quick access to quality healthcare services.
Affordable Premiums

Health Vital is designed with affordability in mind, offering competitive premiums to suit different budgets and income levels. We aim to secure you with essential health insurance coverage without compromising on benefits or quality of service.
One Cover for Entire Family

With Health Vital, you can avail of a family floater plan to cover the entire family under a single policy. This eliminates the hassle of managing multiple policies, ensuring your loved ones are secure against unforeseen events.
Tax Benefits

The premiums you pay for your Health Vital plan are eligible for tax benefits under Section 80D of the Income Tax Act. This allows you to lower your tax liability and enjoy better cost optimization.

What is Covered by Future Generali’s “Health Vital”?

Health Vital provides essential coverage for you, your spouse, live-in partner, up to 3 dependent children, parents, and parents-in-law. The product comes with a minimum policy term of 1 year and a maximum policy term of 3 years. Here are the inclusions and exclusions of Health Vital:

Inclusions:

In-patient Hospitalization

Vital covers expenses for illnesses or injuries requiring hospitalization for more than 24 hours. This includes room rent, nursing charges, doctor's fees, and related medical expenses.
Day Care Treatment

The policy covers 530 listed daycare procedures that do not require 24-hour hospitalization.
Diseases and Procedures

Health Vital covers a wide range of diseases and medical procedures with Sublimits per policy year, such as: Cataract Lasik
Pre and Post Hospitalization Medical Expenses

Expenses incurred before and after hospitalization, up to 30 days before admission, and 30 days after discharge are also covered under Health Vital.
Modern Treatment Method and Advancement in Technologies

Our coverage includes expenses for modern treatment methods, ensuring access to advanced medical care.
AYUSH Treatment

Health Vital offers coverage for AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy) treatments, providing holistic healthcare options.
Emergency Road Ambulance

We cover expenses for emergency transportation by road ambulance to the nearest hospital, ensuring you receive immediate medical attention in times of need.
Maternity Expenses

Health Vital covers maternity expenses, with a maximum limit of 2 maternity claims during the lifetime of the insured.
Cumulative Bonus

Policyholders can get a cumulative bonus of 10% for each claim-free year, up to a maximum accumulation of 100%.
Consumables/Non-Medical Expenses Cover

You can opt for an optional cover for consumables and non-medical expenses to enhance your policy coverage.

Exclusions:

Health Vital does not cover the following:

Injuries or illnesses directly or indirectly caused by war, invasion, acts of foreign enemies, or war-like operations (whether declared or not).
Circumcision, unless medically necessary for the treatment of an illness or due to an accident.
Venereal or sexually transmitted diseases, excluding HIV/AIDS.
External congenital anomalies and related illnesses or defects.
Injuries or illnesses directly or indirectly caused or contributed to by nuclear weapons or materials.
Stem cell storage.
Non-prescribed drugs, medical supplies, or hormone replacement therapy.
Personal comfort items or services, including television, telephone, barber or guest services, and similar incidental services and supplies.
Pre- and post-natal care.

Plans that we offer Health Vital

S.No.	Benefits	Sum Insured
Base Coverage
		Rs. 5 lakh Sum Insured	Rs. 10 lakh Sum insured	Rs. 15 lakh Sum insured
1	In-patient hospitalization	Up to Sum Insured	Up to Sum Insured	Up to Sum Insured
2	Room rent limit
	Normal room	Rs. 5,000 per day	Rs. 10,000 per day	Rs. 10,000 per day
	ICU	Rs. 7,500 per day	Rs. 15,000 per day	Rs. 15,000 per day
3	Disease/Procedure
	Cataract (per eye)	Rs. 25,000	Rs. 35,000	Rs. 50,000
	Lasik (per eye)	Rs. 25,000	Rs. 35,000	Rs. 50,000
	Normal delivery	Rs. 25,000	Rs. 35,000	Rs. 50,000
	ENT disorder	Rs. 25,000	Rs. 35,000	Rs. 50,000
	Infectious/fever disorders	Rs. 30,000	Rs. 40,000	Rs. 50,000
	Caesarean section	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Liver disorder (No cap on transplant)	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Lung disorder (No cap on transplant)	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Kidney disorder (No cap on transplant)	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Appendix related disorder	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Kidney stone-related disorder	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
	Gallbladder stone-related disorder	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
	Hernia	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
	Hysterectomy	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
	Musculoskeletal disorder	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
	Spinal/cerebrovascular/neurological disorder	Rs. 75,000	Rs. 1,00,000	Rs. 1,50,000
	Bariatric surgery	Rs. 75,000	Rs. 1,00,000	Rs. 1,50,000
	Cancer	Rs. 1,00,000	Rs. 1,50,000	Rs. 2,00,000
	Angioplasty including angiography	Rs. 1,25,000	Rs. 1,50,000	Rs. 2,00,000
	Joint replacement (per joint)	Rs. 1,50,000	Rs. 2,00,000	Rs. 2,50,000
	CABG/any other cardiac surgery	Rs. 1,50,000	Rs. 2,00,000	Rs. 2,50,000
	Mental/psychiatric disorders	Rs. 30,000	Rs. 45,000	Rs. 60,000
	Internal congenital anomalies (not included in the above procedures/diseases)	Rs. 50,000	Rs. 75,000	Rs. 1,00,000
4	Day Care Treatment	Disease wise sublimit shall be applicable for the listed diseases/ procedures.
5	Pre-hospitalization expenses	30 days	30 days	30 days
6	Post-hospitalization expenses	30 days	30 days	30 days
7	Modern treatment methods	Disease-wise sublimit or 50% of S.I., whichever is lower	Disease-wise sublimit or 50% of S.I., whichever is lower	Disease-wise sublimit or 50% of S.I., whichever is lower
8	AYUSH treatment	Disease-wise sublimit or up to the S.I., whichever is lower	Disease-wise sublimit or up to the S.I., whichever is lower	Disease-wise sublimit or up to the S.I., whichever is lower
9	Emergency Road Ambulance	Rs. 3,000 per event	Rs. 5,000 per event	Rs. 5,000 per event
10	Maternity expenses	As per sublimit for a maximum of 2 maternity claims in a lifetime	As per sublimit for a maximum of 2 maternity claims in a lifetime	As per sublimit for a maximum of 2 maternity claims in a lifetime
11	Cumulative bonus	10% for each claim-free year, up to 100%	10% for each claim-free year, up to 100%	10% for each claim-free year, up to 100%
Optional Coverage
1	Consumables/non-medical expenses	Covered	Covered	Covered

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Factors Affecting Health Insurance Premiums

Age

The age of the policyholder is one of the most significant factors affecting health insurance premiums. This is because older individuals are typically more prone to health issues and may require more frequent medical care. This can lead to higher premiums for them. On the other hand, younger policyholders pay lower premiums as they are less likely to require frequent medical treatments.

Health Status

Your current health condition also plays a crucial role in determining premiums. Individuals with pre-existing medical conditions or chronic illnesses may have to pay higher premiums as they have a higher likelihood of requiring medical attention. In some situations, certain pre-existing conditions may be excluded or come with a waiting period.

Lifestyle Factors

Lifestyle choices such as smoking, alcohol consumption, and participation in high-risk activities can impact health insurance premiums. This is because these activities usually have high health risks. Similarly, individuals working in hazardous occupations or engaging in extreme sports may also pay higher premiums.

Sum Insured

The sum insured, or the coverage amount you choose directly affects the premiums. A higher sum insured provides greater protection against medical expenses, leading to higher premiums. Similarly, a lower sum insured may come with lower premiums but with reduced benefits.

Type of Plan

The type of plan you opt for also affects the premiums. Comprehensive plans that cover a wide range of medical expenses, including hospitalization, surgeries, and critical illnesses, generally have higher premiums compared to basic plans that offer limited coverage.

Family Size

For family floater plans, premiums depend on the number of members covered under the policy. Plans covering larger families or including elderly members typically attract higher premiums due to increased healthcare needs

Medical History

If you have a medical history or any pre-existing conditions, you'll have to pay a higher premium. This is because insurers consider past claims, hospitalizations, and medical treatments when assessing risk.

Optional Add-ons

Additional benefits or riders such as maternity coverage, dental care, or critical illness riders increase premiums. These add-ons provide enhanced coverage but come at an additional cost.

Things to Consider While Buying Health Vital

Coverage Needs

Make sure to carefully evaluate the different coverage offered by Health Vital to find one that best fits your healthcare requirements. Consider factors such as the sum insured, inclusions, and exclusions to make an informed decision.

Premium Affordability

Health Vital is designed to offer affordable premiums, making health insurance accessible for everyone. While buying a plan, make sure to verify the premium amounts and select from the multiple premium payment options to ensure better affordability.

Additional Benefits

Health Vital offers optional consumables/non-medical expenses coverage. Review your healthcare needs carefully to determine if you should opt for the cover.

Waiting Periods

It is important to understand the waiting periods for different situations to avoid any hassle later. Here are the different waiting periods under Health Vital:

1.	Initial Waiting Period	30 Days
2.	Pre-existing Waiting Period	36 Months
3.	Specific Disease waiting Periods	24 Months
		S.No.	Diseases / Procedures
		1	Benign ENT disorders
		2	Tonsillectomy
		3	Adenoidectomy
		4	Mastoidectomy
		5	Tympanoplasty
		6	Hysterectomy
		7	All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps
		8	Benign prostate hypertrophy
		9	Cataract and age-related eye ailments
		10	Gastric/duodenal ulcer
		11	Gout and rheumatism
		12	Hernia of all types
		13	Hydrocele
		14	Non-infective arthritis
		15	Piles, fissures, and fistula in anus
		16	Pilonidal sinus, sinusitis, and related disorders
		17	Prolapse inter vertebral disc and spinal diseases unless arising from accident
		18	Calculi in urinary system, gallbladder, and bile duct, excluding malignancy
		19	Varicose veins and varicose ulcers
		20	LASIK surgery
		36 Months
		Sr. No.	Diseases / Procedures
		1	Treatment for joint replacement unless arising from accident
		2	Age-related osteoarthritis and osteoporosis
		3	Maternity expenses
		4	Bariatric surgery

Why is Health Vital Important?

Health emergencies can arise at any time. Future Generali's Health Vital safeguards your well-being and financial health in times of unexpected medical expenses. Having essential health insurance coverage ensures you receive timely medical treatment without worrying about high bills.

Health Vital offers peace of mind by providing coverage for hospitalization, surgeries, and other medical treatments. It ensures easy and affordable access to quality healthcare through low premiums, a wide network of hospitals, and cashless claim settlements.

Moreover, Health Vital covers pre and post-hospitalization expenses, protecting your health and well-being. With rising healthcare costs, it's important to invest in health insurance plans to manage medical bills comfortably without dipping into your savings. By choosing Health Vital, you can manage your healthcare needs and receive high-quality medical attention without the burden of high premiums.

How to Buy Health Insurance Online?

You can buy Health Vital Online by following three simple steps:

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!

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Steps to Claim Health Vital

To make a cashless claim for Health Vital, follow these steps:

1

Visit Hospital

Approach the insurance desk of your 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

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.

For a reimbursement claim, follow these steps:

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 “Health Vital” 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 about Health Vital

What is Future Generali’s “Health Vital”?

Health Vital is a health insurance policy offered by Future Generali that provides essential coverage for medical expenses at affordable premiums. It covers hospitalization, surgeries, and more.

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

Yes, the minimum age to be covered under Health Vital is 1 day and the maximum age is 60 years. However, renewal of the policy can be lifelong.

What are the sum insured options available under Health Vital?

With Health Vital, you can opt from three sum insured - Rs. 5 lakhs, Rs. 10 lakhs, and Rs. 15 lakhs.

What does Health Vital cover?

Health Vital covers In-Patient Hospitalization, Day Care Treatments, Pre and post-hospitalization Expenses, Modern Treatment Methods, AYUSH Treatments, Emergency Road Ambulance, Maternity Expenses, and Cumulative Bonus benefits.

What is not covered in Health Vital?

Health Vital does not cover the following:

Injuries or illnesses directly or indirectly caused by war, invasion, acts of foreign enemies, or war-like operations (whether declared or not).
Circumcision, unless medically necessary for the treatment of an illness or due to an accident.
Venereal or sexually transmitted diseases, excluding HIV/AIDS.
External congenital anomalies and related illnesses or defects.
Injuries or illnesses directly or indirectly caused or contributed to by nuclear weapons or materials.
Stem cell storage.
Non-prescribed drugs, medical supplies, or hormone replacement therapy.
Personal comfort items or services, including television, telephone, barber or guest services, and similar incidental services and supplies.
Pre- and post-natal care.

How can I buy Health Vital?

You can buy Health Vital online by following three simple steps:

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

Are there any optional covers available with Health Vital?

Yes, Health Vital offers optional coverage for consumables/non-medical expenses, which can be added to enhance your policy coverage.

How do cashless claims work with Health Vital?

Health Vital offers cashless claim facilities at network hospitals. You can avail of treatment without paying upfront by presenting your health insurance card at the hospital's network desk. Once you are discharged, we will settle the bill directly with the hospital.

Is there a waiting period for maternity benefits under Health Vital?

Yes, Health Vital has a waiting period of 36 months before you can avail of maternity benefits.

Where can I contact in case of a claim?

You can call on our 24-hour call center on 1800 103 8889 or Fax on 1800 103 9998. You can also drop us an email at fgh@futuregenerali.in.

Are there any discounts applicable in Health Vital?

Yes, you can avail of the following discounts on Health Vital:

Long-Term Discount: 7.5% on buying a 2-year policy and 10% on buying a 3-year policy.

Web sales / Telesales/Employee discount: 15% on the premium amount.

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PRODUCT NAME: HEALTH VITAL | UIN NO: FGIHLIP25038V022425 | LAUNCH DATE: 2ND AUG 2024

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What is Health Vital?

Features of Health Vital