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You know what you want from life.Why should unforeseen illnesses and spiraling medical costs stop you from moving ahead?That’s why the Individual Health Plan is so apt for you.
Adults18 years-70 years with a lifetime renewal option.
Children3 months – 25 years can be covered if parents are concurrently insured with Future Generali.
Entry Age:Up to 55 yearsRs.10 Lakhs
Entry Age:Above 55 YearsRs.5 Lakhs
Entry Age:Above 55 YearsRs.5 Lakhs(Porting from another Insurance company)
Age-up to 45 yearsMedical tests waived subject to clean proposal form i.e.No health declaration.
Over 46 yearsMedical tests required and 50%of the test charges are reimbursed,if you or family members are insured with us.
Medical Report Validity30 days from the day tests were done
From 60 days prior and 90 days post
Up to Rs.15000/-
Covers 130 procedures
Covered after 4 years of continuous renewal
Up to Rs.500 per day
Up to Rs.350 per day for those over 60 years
Limits can be enhanced by 25%of the sum insured on date up to maximum of Rs.1 lakh.
Is available under Platinum Plan
Any condition, ailment, injury or related condition(s) that’s been diagnosed, medical treatment undergone or signs and / or symptoms of the same, before the inception of your first policy or until 48 months from inception date.
Any disease contracted within the first 30 days from the start of the policy.
It will be covered after a period of three years - unless there is an accident.
Any disease contracted within the first 30 days from the start of the policy is covered - Waiting period of two years for diseases like cataract, hernia and tumour and one year for diseases / surgeries like gallstones, renal stones.
Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings
Buy your Health Insurance Plan
We at Future Generali are committed to serve you and provide you convenient options to
Visit any of our nearest Branch office
Call us on our helpline numbers
Email us at firstname.lastname@example.org
SMS “PRODUCT” to 9222211100 and we will arrange a call back.
Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.
When you become a Future Generali Health Customer,you will receive a membership pack containing the following:
Health card to utilise cashless facility atNetwork hospitals
Privilege card for value added services
80D certificate if premium is paid by cheque
Policy coverage and Terms&Conditions
You can intimate your claim online or submit the form to your nearest branch or alternativelyemail us.
Should you have any complaints/feedback,you can fill in the form and submit it to the nearest branch oremail us.
Procedure along with list of ombudsman addresses.In case you are not satisfied with the resolution to the complaint as provided by us,you may approach theInsurance Ombudsmanfor review.
You can expect to receive this pack within 12-15 working days of purchasing our health insurance.
Making a Claim
At Future Generali,we will do everything to make your claim as simple and convenient.And here are few reasons why:
We have an in-house claim settlement team that processes your cashless claims within 90 minutes from the time we receive your cashless request and reimbursement claims within 14 working days from the time we receive your complete claim documents.
In order to get the periodic update on your claim,please ensure to mention your mobile number and e-mail Id on the claim form.
Find out more about how to make a claim or check out ourclaim process.
In-house team of professionals who can give specialised advice.
Contact our Helpline
In case you wish to speak to our experts about your policy,you can call us on:
Now is the best time to think about and take health insurance.Lifestyle diseases and accidents are the major causes of hospitalisation even in young people.In-fact nowadays,there is an increase in health insurance claims inthe age band of 36-45.
Tax benefits are provided by government to encourage people to secure their own health financing needs through commercial health insurance.However,this should not be the sole consideration for taking such important decision.
No,ideally you should insure your*family members also as you suffer financial loss if any uninsured member of your family is hospitalised.Moreover as per Company underwriting guidelines the complete family needs to be covered.
*Family means self,spouse and 2 dependent children
Yes. Newly married spouse can be added in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.In fact you can also include your new born child over 90 days in the policy subject to nil health declarations.Premium will be charged on pro rata basis.Fresh proposal form with duly signed prospectus is required to be submitted to nearest branch office of Future Generali.
Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.
Future Generali’s Future Health Suraksha policy pays for Medical expenses incurred for hospitalisation due to illness or accident including pre and post hospitalisation expenses covering relevant medical expenses incurred 60 days prior to and 90 days after hospitalisation amongst a host of a other covers.For detailed list of coverages,please refer the plan overview.
Following four are unique features of Future Generali Health Suraksha:
For more such features,please refer the plan overview.
If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 50% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.
Yes,there is a list of 130 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.
Future Generali has a vast network of hospitals which provide cashless facility and you or your insured family members can avail cashless facility for inpatient medical expenses.Other expenses like pre and post hospitalisation are paid in reimbursement mode.
Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.
Our average turnaround time is 90 mins for cashless claims and you get Reimbursement Claims settlement within 14 working days (Subject to all required information/documentation being submitted).
Under the same policy if more than one person is covered, you can get Family discount @ 10%.
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.
From the expiry date of the policy, you get 30 days grace period for renewal.
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Get free health check-up at our empanelled diagnostic centers after every four claims free years subject to all required documentation/information being submitted.
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
Ganpat R Mali
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