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Social gatherings and events make life worth enjoying. With Future Events Insurance, you can secure yourself both medically and financially.

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Social gatherings and events make life worth enjoying. With Future Events Insurance, you can secure yourself both medically and financially.

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HIV & Disability Suraksha, Future Generali India Insurance Company Limited

This product is designed, in-line with IRDAI‘s direction, to provide health insurance cover to persons with disabilities (including mental illness) and persons afflicted with HIV / AIDS.

 

KEY FEATURES

Sum Insured Options: 4 Lacs and 5 Lacs

Coverage of Basis: Individual

Cataract Treatment: Up to Rs. 40000

AYUSH & Modern Treatment: Up to 50% of Sum Insured each.

Emergency Ground Ambulance: up to Rs. 2000 per hospitalization.

 

ELIGIBILITY 

Persons with disability:  All Persons with disability who have at least one of the disabilities as defined under specified disability under The Rights of Persons with Disabilities Act, 2016 with valid disability certificate are eligible to enroll this product.

Individuals with HIV/AIDS: Any person suffering from HIV/AIDS, with a diagnostic test report confirming the evidence of HIV/AIDS would be covered on indemnity basis for In-patient hospitalization.

 

AGE ELIGIBILITY

Minimum age at entry

Adult

18 Years

Child

Newborn

Maximum age at entry

Adult

65 Years

Child

17 Years

Maximum renewal age

Life long

What is covered?

  • Hospitalization Expenses

    Expenses of hospitalization for a minimum period of 24 consecutive hours

  • Pre-Hospitalization and Post-Hospitalization

    For 30 days prior to the date of Hospitalization and For 60 days from the date of discharge from the Hospital

  • Cataract Treatment

    Up to Rs. 40,000 per eye in one Policy Year.

  • Modern Treatment

    Covered for listed procedures up to 50% of sum insured available for Inpatient Hospitalization Care.

  • Emergency Ground Ambulance

    Expenses covered up to Rs. 2000 per hospitalization

  • AYUSH Treatment

    Covered up to 50% of sum insured, during each policy year.

  • Sublimit for Room/ Medical Practitioner’s fee

    Room Rent, Boarding, and Nursing Expenses all-inclusive as provided by the Hospital / Nursing Home up to maximum of 1% of the sum per day.Intensive Care Unit (ICU) Charges / Intensive Cardiac Care Unit (ICCU) Charges all-inclusive as provided by the Hospital / Nursing home up to maximum of 2% of the sum insured per day.

Waiting period

• Initial Waiting Period - 30 days for all claims, except resulting from Accident.
• Pre-Existing Diseases - 36 months (other than the pre-existing disability and HIV/AIDS).
• Specific Disease/Illness - 24 months.
• HIV AIDS Waiting period - 30 days.
• Disability Waiting period - 24 months.

What is Not Covered?

  • coveredImg

    Any medical treatment taken outside India.

  • coveredImg

    Suicide, Intentional self-injury (including but not limited to the use or misuse of any intoxicating drugs or alcohol) and any violation of law or participation in an event / activity that is against law with a criminal intent.

  • coveredImg

    Vaccination/ inoculation except as post bite treatment for animal bite.

  • coveredImg

    Venereal /Sexually Transmitted disease other than HIV/AIDS

  • coveredImg

    Stem Cell storage.

Disclaimer: For complete detail on coverages, waiting periods and exclusions, kindly refer to the policy wordings / prospectus. 

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Product Name: HIV & Disability Suraksha, Future Generali India Insurance Company Limited | UIN: FGIHLIP23198V012223

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