Home Insurance

Travel insurance is a type of insurance that covers various financial losses that may occur during your trip, such as trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation.

Travel insurance typically covers trip cancellation, medical expenses, lost or stolen luggage, emergency evacuation, and other unexpected expenses that may occur during a trip. Some policies also cover things like a trip interruption, travel delay, and accidental death or dismemberment.

While it's not legally required, travel insurance can provide financial protection in case of unexpected events during a trip. It's a good idea to have travel insurance, especially if you're travelling internationally or planning a trip that involves a significant investment. Moreover, many countries have made travel insurance mandatory for visa approval.

The cost of travel insurance varies depending on factors such as the type of coverage, the duration of the trip, and the destination. On average, a basic travel insurance policy can cost anywhere from 4-10% of the total trip cost.

You can buy travel insurance online or offline depending on your preference. You will typically need to provide information such as the details of your trip, the type of coverage you need, and your personal information.

Yes, you can cancel your travel insurance policy, depending on the terms and conditions. Some providers may offer a refund if the cancellation is made before the trip starts or within a certain time frame.

A pre-existing medical condition is a health problem that existed before you purchased the policy. Some travel insurance policies do not cover pre-existing medical conditions, while others may require additional information or charge a higher premium.    

Yes, you can purchase travel insurance after you've booked your trip, but it's best to do it as soon as possible. Some travel insurance policies have time limits for when they can be purchased, and some policies may not cover certain events that happen before the policy is purchased.

The type of coverage you need will depend on the details of your trip and your personal needs. Some common types of coverage include trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation. It's best to review the different types of coverage and compare them to find the best policy for your trip.

Many travel insurance policies do not cover adventure sports or activities by default, but you can often add coverage for an additional premium. It's important to check the policy details and make sure the activities you plan to do are covered.

A single-trip policy is designed to provide coverage for a specific trip, usually for a set number of days. This type of policy is ideal if you are taking a one-time trip, such as a vacation or a business trip. A multi-trip policy, on the other hand, is designed to provide coverage for an extended period for an unlimited number of trips, usually for an entire year. This type of policy is ideal if you travel frequently for business or leisure.

When you buy travel insurance from Future Generali, you get access to benefits like-

• Complete overseas protection with 24/7 toll-free assistance
• A comprehensive coverage
• Easy and cashless claim settlements

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Yes. You can avail of the family plan under Asia & Schengen Travel policy.

We offer a minimum cover of  50,000 Euros under the Schengen travel plan; 25,000 USD under the Asia plan; and a minimum of 50,000 USD under the World Plan. For Student Suraksha, the minimum coverage under the Asia plan (excluding Japan) is 25,000 USD and under the World plan is 50,000 USD.

Yes, a cashless mode of settlement is available in most overseas hospitalization cases. There is a minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Yes, Future Generali provides an extension facility under all travel plans.    

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, and Future Student Suraksha - there is no medical examination required if you do not make any medical declarations in the proposal form. However, in case of any medical declaration, medical tests shall be advised by the Underwriting Team for the Future Travel Suraksha Superior Care plan - proposal with the age of 71 years to 80 years, medical tests are required.

Yes, we offer Student travel plan for up to 2 years.

No pre-existing diseases are not covered in any of the plans. If you are already suffering from any pre-existing disease then the proposal will be referred to Underwriting Team for review.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Annual Multi-trip plan is available in Future Travel Suraksha (World-Wide ) & Future Travel Suraksha- Schengen Travel

There are single trip plans available in Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen and Future Student Suraksha
The Annual multi trip option is available in below travel products:
a) Future Travel Suraksha – Gold and Platinum plans
b) Future Travel Suraksha – Schengen travel

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

Yes, this cover is available under Future Travel Suraksha and Future Travel Suraksha Schengen Travel.

Family plan is available under Asia & Schengen Travel plan

*Please refer policy wordings

Travel Insurance is not mandatory in India. However for a safe and peaceful trip, we recommend that you should take as Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

We offer minimum cover of 30,000 Euros under Schengen travel plan; 25,000 USD under Asia plan; and minimum 50,000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25,000 USD and under World plan is 50,000 USD.

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk. Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. The plan options have the following covers, which may vary depending upon the plan opted:
Cashless treatment during medical emergency
Emergency Medical Evacuation
Repatriation of Remains up to USD$ 10,000
Continuation of Medical Treatment in India
Daily Hospital Allowances
Emergency Sickness Dental Relief
Trip Delay
Trip Cancellation
Trip Curtailment
Missed Connection
Loss of Passport
Hijack Benefit
Checked in Baggage Delay
Checked in Baggage Loss
Compassionate visit
Financial Emergency Assistance
Accidental Death & Permanent Total Disablement
Accidental Death – Common Carrier
Accidental Death – Air Travel only
Personal Liability
Golfers Hole in One celebration
Automatic extension for 7 days
Home burglary insurance
Child Return Journey
Mental and Nervous Disorder *
Maternity Benefit *
Tuition Fee *
Sponsor protection *
Felonious Assault *
Bail Bond *
(* Available only in Future Student Suraksha plan)

Yes, extension facility is available under travel plans.

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India.

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

a) Future Travel Suraksha Select plans - offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions.
-   For Standard Select and Silver Select plans the maximum trip duration can be 360 days including extensions.
-   Prime Care Select plan the maximum trip duration shall not exceed 180 days in total.
b) Future Travel Suraksha plans offers a cover for minimum of 1 day and maximum of 180 days. The policies can be extended for next 180 days subject to underwriting terms and conditions. Superior  Care Select plan the maximum trip duration shall not exceed 180 days in total.
c) Future Easy Travel Worldwide, Future Easy Travel Schengen plans - offers a cover for minimum of  1 day and maximum of 180 days. The policies can be extended for next 180 days.
d) Future Student Suraksha – offers a cover for minimum of 30 days and maximum of  2 years. The policy can be extended only once, provided the maximum trip duration inclusive of any extension shall not exceed 730 days including extensions.

There are single trip plans available in Future Travel Suraksha Select. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

You can take annual multi-trip policy with us. Under Annual Multi-trip trips upto 30 days and 45 days duration are allowed depending on plan opted . You can also take single trip policy with us.

No, policy cannot be issued once travel has commenced

Yes, sub-limits are applicable under Future Travel Suraksha Select, Future Travel Suraksha, Future Easy Travel Worldwide for policyholders of Age 56 years and above.
Sub-limits are not applicable under Future Student Suraksha plan and Future Easy Travel Schengen.

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, Future Student Suraksha - There is no medical examination required, if there is no medical declarations in proposal form. However in case of any medical declaration, medical tests shall be advised by the Underwriting Team For Future Travel Suraksha Superior Care plan - Proposal with age of 71 years to 80 years, medical tests are required.

Yes, we offer Student travel plan for up to 2 years.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

For claims and related queries, you may kindly call: 24X7 helpline number: +91 22 6734 7841 National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network) Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji Marg, Chakala, Andheri(E), Mumbai – 400 093. Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

We offer minimum cover of 30, 000 Euros under Schengen travel plan; 25, 000 USD under Asia plan; and minimum 50, 000 USD under World Plan. For Student Suraksha minimum cover under Asia plan (excluding Japan) is 25, 000 USD and under World plan is 50, 000 USD.

Yes, cashless mode of settlement is available in most of the overseas hospitalization cases. There is minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25- 100 USD).

Yes, extension facility is available under travel plans.

Yes, sub-limits are applicable under Future Travel Suraksha for policyholders who are of Age 56 years and above

Extensions can be granted on Future Easy Travel policies up to age 70 years (completed age) provided the request for extension is sent up to 7 days prior to the expiry of earlier policy period, to Fgcare@futuregenerali.in

There are total 12 plans available under Future Easy Travel Worldwide product. These are:

There are total 6 plans available under Future Easy Travel Schengen product. These are:

Future Easy Travel policies does not cover pre-existing diseases. If you are already suffering from any pre-existing disease then you would not be able to buy this plan online. However in case you still wants to take travel insurance from Future Generali, then you can visit our nearest branch

Yes, the product has plans with deductible and without deductible option under Medical Care.

Future Easy Travel Worldwide and Future Easy Travel Schengen plans offers a cover for minimum of 1 day and maximum of 180 days. However you can extend your policy trip for next 180 days.

Future Easy Travel Worldwide product is a travel product that can be purchased online. It provides insurance cover for travel abroad to all countries including US & Canada for business and leisure purpose.

We also have Worldwide plan excluding US & Canada for insurance cover for travel to countries excluding US & Canada.

Future Easy Travel Schengen product is a plan specially designed for customers travelling to Europe on a Schengen visa, which include Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland for business or leisure(This list of countries will be updated from time to time to include all countries which come under the definition of Schengen countries and where the Schengen visa is applicable. Travel to these countries will be covered under this plan)

There are single trip plans available in Future Easy Travel Worldwide and Future Easy Travel Schengen. The Annual multi trip option is available in our other travel product – Future Travel Suraksha and Future Travel Suraksha – Schengen travel

For claims and related queries, you may kindly call:
24X7 helpline number: +91 22 6734 7841
National toll-free number: 1800 209 2333 (only from MTNL/ BSNL network)
Land line number for Claims: +91 22 6734 7878; Fax number: +91 22 6734 7888

Address: Europ Assistance India Pvt. Ltd., 301, 'C' Wing, Business Square,
Andheri Kurla Road, Chakala, Andheri (East), Mumbai 400093.
Email ID: fgi@europ-assistance.in

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

In case of any escalations kindly contact:

Claims department,
Future Generali Health (FGH),
Future Generali India Insurance Company Ltd.
Office No. 3, 3rd Floor, "A" Building, G - O – Square,
Near Mankar Chowk,
Aundh Hinjewadi Link Road,
Wakad, Pune - 411 057
Email: fgh@futuregenerali.in

Your Health Insurance covers inpatient medical expenses in India i.e. expenses incurred outside India are not covered hence you must take a separate Travel Insurance policy to cover this risk.

Moreover Travel Insurance is a bundled product i.e. it includes personal accident, loss of passport, loss and delay of baggage, daily allowance and more.

Travel Insurance is not mandatory in India. However it is mandatory in UK and countries like Austria, Greece, Portugal, Spain, France, Germany, Belgium, Luxemburg, Netherlands.

However for a safe and peaceful trip, we recommend that you should take a Travel insurance policy to take care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc

Yes, sub-limits are applicable under Future Easy Travel Worldwide for policyholders who are of Age 56 years and above.

Our Travel Insurance plans takes care of any contingencies that might arise during your journey; like sudden illnesses, misplaced passport, lost luggage etc. So travel the world under Future Easy Travel Worldwide or Future Easy Travel Schengen Policy. The plan options have the following covers:

1. Cashless treatment during medical emergency for up to US$ 5,00,000 (in case of Future Easy Travel Worldwide policy) Or, €200000 (in case of Future Easy Travel Schengen policy)

2. Emergency Medical Evacuation

3. Repatriation of Remains

4. Continuation of Medical Treatment in India

5. Daily Hospital Allowances

6. Emergency Sickness Dental Relief

7. Trip Delay

8. Trip Cancellation

9. Trip Curtailment

10. Missed Connection

11. Loss of Passport

12. Hijack Benefit

13. Checked in Baggage Delay

14. Checked in Baggage Loss

15. Compassionate visit

16. Financial Emergency Assistance

17. Accidental Death & Permanent Total Disablement

18. Accidental Death – Common Carrier

19. Accidental Death – Air Travel only

20. Personal Liability

21. Golfers Hole in One celebration

22. Automatic extension for 7 days

23. Home burglary insurance

24. Child Return Journey

Coverage for travel on Ship, travel to Mansarovar, Haj and countries where travel restrictions have been issued by Government of India. Also we do not cover Travel to UN sanction countries. These countries are Afghanistan, Cote de Ivoire, Democratic Republic of the Congo, Democratic People's Republic of Korea, Eritrea, Iran, Iraq, Lebanon, Libya, Liberia, Somalia, Sudan. This list would be updated from time to time.

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Both Future Easy Travel Worldwide and Future Easy Travel Schengen policy can be bought online.

Members of age 6 months to 70 years can buy Future Easy Travel Worldwide Policy and/or Future Easy Travel Schengen Policy.

No, policy cannot be issued once travel has commenced

No, there is no medical examination required to avail Future Easy Travel plans

Unless prior consent has been given by the Insurer, home insurance policy does not cover items like jewellery ornaments, art works, scripts, documentary information, computer system information, shares & stocks and cash. These can be covered on specific request and subject to valuation.

Fire insurance covers the structure of your home and along with any permanent fixtures and fittings like kitchen units and bathrooms. It covers the cost of repairing or re-building your home if it's damaged by flood, fire or any of the other risks detailed in the policy.

Future Generali’s Home insurance policy covers both, the structure of your home against Fire and allied perils as well as the contents.

Home insurance is a comprehensive Package Policy which provides protection to home owner, property and its contents against loss or damage by sudden, unexpected event or accidents.

The Home Insurance Policy covers:

Fire Insurance of the building and home contents
Burglary / Housebreaking
All Risk Insurance for jewellery, ornaments or high value items, portable equipments such as laptops
Electrical and Mechanical failures of domestic appliances
Protection of Electronic Equipment
Personal Accident for your family
Protection against liabilities like tenants legal liability, domestic workmens compensation and public liability
Enhanced protection to include coverage for Baggage, Plate Glass, Pedal Cycle, ATM Cash Withdrawal, Misuse of Credit Card, Veterinary Costs.

No, only building cannot be covered under Home insurance Policy. Cover for Building can be given only along with contents.

The most accurate way to determine the replacement / reinstatement cost of your home is to hire a building contractor or other building professional to produce a detailed estimate. Only the cost of the property’s structure and its associated systems, fixtures, and finishes will be included in the estimate. Land value is not included in the amount of insurance you buy.

Value of House Structure-

The value of your house structure should be insured for its replacement or reinstatement cost. Replacement / reinstatement cost is the cost necessary to repair or replace damaged items or structures in a manner similar to the construction of your house prior to the damage. When you insure your house structure for its replacement value, in the event of an unfortunate event, Future Generali will reimburse you for the cost of rebuilding or repairing your house, based on the size and structure of your house.

Value of Home Contents-

The best way to work out the value of your contents is to systematically go through every room and make an inventory. Don't leave anything out, whether it's a sofa set or a pair of curtains - they'd all need to be replaced if, say, there was a fire in your house.

You then need to work out how much it would cost to replace every single item on the list with a new one. The internet can help, or you might be able to find receipts and adjust for inflation. When you have a total, you should insure your contents for that amount. Don't simply guess the value of your contents: research shows that one in five households does not have enough insurance.

Just like the house structure, the contents should also be insured for replacement costs.

Earthquake and Terrorism are add on covers and can be opted as an extension to the Home insurance policy by paying an additional premium.

In simple terms, Under Insurance arises when you insure something for less than its value. In the event of a loss, you shall be at risk of being penalized in the amount you are able to recover. In these circumstances, the insurer may choose to "apply average" to the claim under an "average clause". This means that where the sum insured is inadequate, the insurer can reduce its liability for a claim by applying a proportionate approach.

Yes. If the fire damages the structure of your building, you could claim damages from the building insurance. Fire insurance only covers only damages to your house i.e the structure, and not the contents in it.

The term “first loss” refers to a form of partial insurance in which a property is insured for an amount much less than the full value of the property. This provision is only given in burglary insurance, where there is very little possibility that all items within the property would be stolen at any one given time. For e.g., if there is burglary in a large retail store, everything in the store would not be taken but only up to a certain amount would be lost, and this is what would be covered in the first loss insurance policy. The amount is calculated based on what is believed would be the biggest loss possible at a single instance of burglary.

Home insurance is a Householders' package policy for your House (owned building) and its contents. It is an umbrella policy that offers covers that are suitable for a household. eg. Fire & Allied perils; Burglary and housebreaking, Breakdown of electrical appliances etc

No, only fire insurance for building and contents and burglary and house breaking covers are mandatory.

Yes, if the house is for rent (not owned), then only contents of the house can be covered.

The home insurance policy provides protection against loss or damage to insured property due to burglary and housebreaking

 Our Personal Cyber Risk Policy covers you for 1 year.

 If you are between the ages of 21-50, you can buy our policy.

 Malware attacks are the most common form of cyberattacks. Malware can cause changes in your computer system without your consent. These attacks can hamper your privacy and can compromise your data. Fraudsters can also use it to extract money from you.

 Credit monitoring involves tracking someone’s credit history. This monitoring detects any suspicious transactions and activities.

 The policy covers defence costs, counselling services, direct financial loss, and IT consultation services.

Option 1: You can either file an online claim (Link for claim form)

Option 2: You can call us at this toll-free number (*Contact Number).

 We provide personal card loss cover as an add-on cover. You will have to pay an additional premium to get the benefit.  

Yes, Portability will be granted to Policy holders of a similar Health Policy of another Insurer to Future Advantage Top-up Policy. Insured may apply 45 days in advance of the policy renewal date, but not earlier than 60 days from the premium renewal date of his/ herexisting policy to avail portability benefits.

Yes, you can cancel the policy – Client will need to submit nil claim declaration against the said policy. However refund amount will depend on duration of coverage of policy period. No refund of premium shall be due on cancellation if the Insured Person has made a claim under this Policy.
In case the Policy Period is of one year, We shall refund premium on short term rates for the unexpired Policy.
In case the Policy Period exceeds one year, this Policy may be cancelled by You at any time by giving at least 15 days written notice to Us. We shall refund premium on a prorate basis by reference to the time period for which cover is provided, subject to a minimum retention of premium of 25%.
In case of Policy Period more than one year, with instalment premium, the Rate of Premium refunded on cancellation will be basis the Instalment Frequency & Cancellation request received.

No increase/ decrease in Sum Insured during the currency of the Policy. However increase/ decrease in Sum Insured and/or deductible or change in cover, can be requested at the time of Renewal of the Policy. You can submit a request for the changes by filling the Proposal before the expiry of the Policy.The enhancement is subject to underwriting guidelines and policy terms & conditions.

The policy terms are 1 year, 2 years and 3 years.

The product is offered from Day 1 to Lifelong

Yes, Future Advantage Top-up Policy can be taken as a stand-alone plan. It can also be taken along with other Health Insurance Policies (e.g. Future Health Suraksha) or Group Insurance Plans.

Future Advantage Top-Up is a high deductible health insurance plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

No, Future Advantage Top-Up can be availed by Indian National only.

Yes, there are waiting periods as detailed in the table below:

The Discounts available under the Future Advantage Top-up are

Family discount – 10% Family discount, in case if more than one insured covered under the same policy on individual sum insured basis. For the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult specified in the table below.

Long term discount – Applicable in case of single premium payment for policy term of more than one year

Loyalty discount – 2.5% loyalty discount if the client already has a separate health insurance policy (other than Future Advantage Top-up/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd. The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us. Please provide the policy copy to avail the discount. In case the policy copy is not submitted, discount shall not be allowed
Direct Sales Discount – A discount of 15% in lieu of intermediary commissions if policy is taken directly from the insurer and /or Online.
Plan Discount – If an Insured opts for Elite Plan, then a discount of 30% shall be available on the premium applicable for Supreme Plan

Premium is charged on the basis of Age of Insured person, Sum Insured & Deductible opted.

Supreme Plan – includes cover for all ailments including Heart related conditions and Cancer
Elite Plan – includes cover for Cancer and ailments related to Heart

Yes, Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured and deductible opted.

There is 100% reimbursement of Pre-Policy Tests charges, subject to policy issuance and 64 VB compliance.

Future Health Surplus (Top-Up plan) is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Future Advantage Top-Up (Super Top-up plan) is similar to top—up plan, except that in top-up plan the deductible is applied on each and every claim whereas in super top-up plan the deductible will apply on aggregate basis towards hospitalisation expenses incurred during the policy period.

The illustration below will help you better understand how both these plans are beneficial.

You have an option to opt for waiver of the Deductible and opt for any indemnity health insurance policy (without any Deductible) offered by Us for the same Sum Insured without re-valuation of health status or any Pre-Policy check-up provided that:
You/ Insured Person has been insured with Us for the first time under this Policy before the age of 50 years and have Renewed with Us continuously and without any break in insurance for a minimum period of 5 years.
This option for waiver of Deductible can be exercised by You/ Insured person at Renewal when Your/ Insured Person’s completed age is within the age group of 54-60 years however only after being continuously renewed under this Policy without any break for a period of 5 years or more.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Product will cover claims of only those benefits that are mentioned in the Policy Wordings. Claims that are out of scope of the coverage / excluded in the product will get declined. Also in the event of misrepresentation, misdescription or non-disclosure of any material fact, fraud, Non-cooperation the claim will get declined.

We will provide cumulative bonus for every claim free year. We shall increase in the Sum Insured by 10% towards Cumulative Bonus for every claim free year on the basic Sum Insured up to the maximum of 50% of the sum insured.

Deductible means a cost sharing requirement under a health insurance policy where the insurance company will not be liable for eligible medical expenses up to a specified rupee amount, that incur in a policy period, as opted i.e. it is the amount up to which the insurance company will not pay for all the claims incurred in a policy year under the policy.

• The Deductible will apply on Individual basis in case of Individual Policy and on family floater basis in case of Family Floater Policy.
• A Deductible does not reduce the Sum Insured.

Example of Deductible:
Insured A has policy (Policy Period - 1st Jan 2018 to 31st Dec 2018)

Applicable based on health status of the proposed Insured person. Underwriting loading of premium will be applicable on the particular Insured’s premium in case of Individual policy and Floater policy

For 1-yearpolicy term, premium can be paid on:

• annual basis

For 2 and 3 years policy term, premium can be paid on:

• Single premium payment with Long term discount
• Instalment basis - Half-yearly/ Quarterly/Monthly mode.

Please note instalment facility is currently available for policy terms of 2 years and 3 years only &Insureds have an option of paying premium on instalment basis.
Instalment Loading – Loading will be applicable on Standard premiums in case of instalments

In case of instalment, if monthly mode is opted, minimum 2 months premium needs to be collected for policy issuance.

Yes, however the waiting period of 24 months will be applicable from inception of Your first Future Advantage Top-Up Policy with Us. We cover the Medical Expenses incurred under Alternative Treatment with respect to the Hospitalization under Ayurveda, Unani, Siddha or Homeopathy provided that the Treatment has been undergone in a government Hospital or in any institute recognized by government and/or accredited by Quality Council of India/ National Accreditation Board on Health for that Alternative Treatment.

Yes, A person may be added as an insured during the Policy Period after his application has been accepted by Us, an additional premium has been paid and Our agreement to extend cover has been indicated.

A Grace Period of 30 days is permissible for all policies. Policy will be considered as continuous for the purpose of all waiting periods and cooling off period. For Renewal Proposal received after completion of Grace Period of 30 days, all waiting periods would apply afresh.

Lifelong Renewability is available under Future Advantage Top-up.

No, one member cannot buy multiple policies.

Yes, cashless facility is available

Client can cover Up to 5 Dependent children and 2 dependent parents under Individual plan in the single policy.
Sisters and brothers cannot be covered as dependants.

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy provide extra coverage at low premium and can be opted in combination with other Health Insurance Policies (e.g. Future Health Suraksha/ Health Total) to provide higher coverage at reasonable premium.

An individual of age 18 years can buy this policy.

Yes, pre (60 days) and post (90 days) hospitalisation is covered

Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.
Or, you can insure yourself, your spouse and 5 dependent children under a floater policy.

Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Yes, pre (60 days) and post (90 days) hospitalisation is covered.

It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans.

Yes, cashless facility is available.

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

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.

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.

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.

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. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:

1. Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
2. In event of hospitalisation of child up to 10 years,we pay additional benefit of Rs 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years,we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
4. If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

For more such features,please refer the plan overview.

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.

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.

Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

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.

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.

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.

Co-Payments applicable under the policy are as given below:
1.As per the plan opted:

2.In case of admission in a room with rent higher than the entitled room limit

For an individual, the minimum age at entry is 18 years to 70 years. For child, the minimum age at entry is Day 1 to 25 years.

Yes, cashless facility is available

Yes, Pre-insurance medical examination is mandatory if the Insured’s age is above 50 years or if there is any adverse medical declaration in the proposal form.

Yes, pre (60 days) and post (90 days) hospitalisation is covered Yes, pre (60 days) and post (90 days) hospitalisation is covered. However combined expenses for Pre and Post hospitalisation are limited up to 2% of Sum Insured opted for each hospitalisation as detailed below:

Plan options available:

Yes, you can insure yourself, your spouse and up to 3 dependent children under a floater policy.

Yes, there are waiting periods as detailed in the table below:

Plan options available:

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Future Aarogya Bimais anaffordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime.

No, the Sub limits are not applicable in Future Aarogya Bima policy.

The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 500000

Survival period means the insured survives for a period of more than or equal to 28 days from the date of the first diagnosis of the listed Critical illness/ Undergoing for the first time of the Surgical Procedures (under listed Critical illness).

Critical Illness policy is a benefit policy which pays a lump sum amount on happening (diagnosis/surgery) of named critical illness. In contrast Health Insurance is an indemnity product which reimburses for incurred medical expenses with an option of cashless facility. Having both these covers is advisable to take care of any major financial crisis.

You are required to undergo medical test at our empanelled diagnostic centre.

No, the claim is paid on reimbursement basis. This being a benefit policy full sum insured is paid to the insured after survival period of 28 days.

We cover 12 critical illnesses.

1.  Cancer
2.  First Myocardial Infraction
3.  Coronary Artery Bypass Graft (CABG)
4.  End Stage Renal Failure
5.  Major Organ Transplant
6.  Stroke
7.  Multiple Sclerosis
8.  Aorta Surgery Graft
9.  Primary Pulmonary Hypertension
10. Coma
11. Total Blindness
12. Liver Failure

Yes, you can cover self, spouse, children and dependant parents under family plan.

There is no death benefit under Critical illness policy.

Network Provider means hospitals or health care providers enlisted by Future Generali to provide medical services to an insured on payment by a Cashless Facility. (Please note: The Hospitals which have been empanelled by Us as Network Providers are as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.) Non-Network Provider means any hospital, day care centre or other provider that is not part of the network.

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. There is a 5% co-pay for each and every claim made under the policy.

You can be advised Pre-insurance medical examination, on the basis of your Age, Sum Insured opted, and any health declaration in the proposal form. In case there is a health declaration, pre-insurance medical tests maybe advised.

Yes, following Sub limits are applicable under the policy:
a. Room Rent – Up to 2% of SI, subject to max of INR 5,000 per day
b. ICU charges – Up to 5% of SI, subject to max of INR 10,000 per day
c. Modern treatment methods and Advancements in technology (for listed procedures): Up to 50% of the Sum Insured.
d. Treatment of Cataract, subject to a limit of 25% of Sum Insured or Rs. 40,000/-, whichever is lower, per each eye in one policy year.

You can opt for below sum insured options on individual and floater sum insured basis: ₹ 50000, 1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs, 5.5 Lacs, 6 Lacs, 6.5 Lacs, 7 Lacs, 7.5 Lacs, 8 Lacs, 8.5 Lacs, 9 Lacs, 9.5 Lacs, 10 Lacs.

You may call on 1800 103 8889 to connect with our 24x7 call centre, or Fax us on 1800 103 9998,Or mail us on fgh@futuregenerali.in
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

You can get covered for expenses incurred for hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines. The treatment has to be undergone in a government hospital or in any institute recognized by government and / or accredited by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.

Future Arogya Sanjeevani Policy, Future Generali India Insurance Company Limited is a standard Health Insurance Product with wider coverage for the whole family.

If you are advised Pre-insurance medical examination, you have to first pay for the tests charges directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, you can claim for 50% reimbursement by submitting the original payment receipt.

The minimum age required for entry is 3 months. The Maximum age for entry is 65 years with Lifelong renewability. Children will be covered as dependents up to 25 years of age. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals

If you pay the premium by any mode other than Cash / DD under the Policy, You shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments there on.

Recharge benefit is applicable for all plans, where the basic Sum Insured opted is ₹ 3 Lakhs and above. If the Basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims made and paid during the Policy Year, then the Su Insured will be automatically re-instated up to 100%, once in a policy year which is valid for that Policy Year only, subject to following conditions:
a) A claim will be admissible under this Benefit only if the claim is admissible under In-patient Hospitalization or Day Care Treatment.
b) The recharge shall be utilised only after the Sum Insured, Cumulative Bonus has been completely exhausted in that Policy Year.
c) The recharge shall be available only for all future claims for that Insured Person during that Policy Year. (Irrespective of whether the claim is for the same ailment for which he/she has claimed).
d) Cumulative Bonus shall not be considered while calculating the Recharge.
e) Any unutilized recharge cannot be carried forward to any subsequent Policy Year.
f) If the Policy is issued on Individual basis, then the recharge will be available to each insured person and can be utilised by Insured Persons who stand covered under the Policy before the Sum Insured was exhausted.
g) If the Policy is issued on Floater basis, then the recharged sum insured will be available on Floater basis for all Insured Persons in the family.
h) The waiting periods, the standard exclusions and the standard limits shall be applicable for the recharged sum insured.

Now is the best time to think about and take health insurance. Lifestyle diseases and accidents are the major causes of hospitalization even in young people. In-fact nowadays, there is an increase in health insurance claims in the age band of 36-45.

Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).
If any of the member is of the age up to 55 years with sum insured up to ₹ 3 lacs then no pre-acceptance medical test is required.Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

Yes, 100 % cost of pre-policy checkup would be refunded if the proposal is accepted & policy is issued

Yes, there is a list of 409 day care procedures provided in the policy wordings. The condition of minimum 24 hours hospitalisation is waived for these day care treatments.

Medical tests will not be asked for at renewals if the renewal is as per exiting terms & conditions.

Yes there is Room Rent capping in following plans:
a. Gold (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the SumInsured per day. All admissible claims under Room rent, Board & Nursing Expensesduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim.
b. Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.

No, once the product is launched then the policies will be booked in revised Future Health Suraksha policy only.

No, Cumulative bonus is the 10% of base sum insured for every claim free year to maximum of 50%. The same will reduce by 10% in a year where claim is paid.

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.

Revised Future Health Suraksha is designed to suit all your health care needs. It provides a range of benefits to ensure that you are covered for the larger expenses related to illness/ surgery with additional coverages like reinstatement of Sum Insured, ambulance charges, organ donor expenses and many more.

Self, Spouse, up to 4 dependent children up to the age of 25 years and 2 dependent parents can be covered under the Individual Policy. Self, Spouse, up to 3 dependent children up to the age of 25 years can be covered under Family Floater Policy.

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 up to 4 dependent children up to the age of 25 years and 2 dependent parents in the Individual Policy. Or Self, Spouse and up to 3 dependent children up to the age of 25 years in the Family Floater Policy.

No there is no sum insured restriction above 55 years in the revised Future Health Suraksha policy

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.

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:
1.Enhancement of 25%of available sum insured for accidental hospitalisation subject to a maximum of ₹ 1 lakh.
2. In event of hospitalisation of child up to 10 years, we pay additional benefit of up to ₹ 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years,we pay additional benefit of
a) up to a maximum of ₹500 per day towards nursing charges incurred at home post discharge from hospital for Gold or Platinum Plan, or
b) up to a maximum of ₹ 350 per day towards nursing charges incurred at home post discharge from hospital for Topaz or Ruby Plan.
4. If insured opts for Sum insured of equals to or more than ₹ 6 lakhs in Platinum or Ruby Plan,we pay additional benefit of ₹ 500 per day during period of hospitalisation.
5. Recharge Benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Sum Insured (equal to 100% of the Sum Insured) will be automatically restored for the particular Policy Year subject to policy terms and conditions. For more such features,please refer the plan overview.

Yes, one choose separate plans and separate sum insured for different family members provided the sum insured of self is higher than dependents.

Yes you can enhance your sum insured, in case of claim or any health declaration the enhancement will be accepted subject to underwriting approval.

For family floater policy, the premium is charged as per the highest age in the family & as per the plan opted.
e.g. If the proposal is of Self + Spouse for 2lacs, the proposer is wife of age 25years & husband as dependant of 30years, the premium would be calculated as per the highest age band, i.e. husband’s age would be considered for premium calculation.

The premium Premium will be calculated based on the Sum Insured opted, Age and Zone (Default Zone of Cover will be based on location of Your residence).There are three zones – Zone A,Zone B and Zone C.

*Please note the Cities/Towns that fall under respective Zones shall be identified as per the updated/ latest Jurisdiction defined by Government.

Yes. Newly married spouse can be added in the policy subject to nil adverse 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 adverse 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 the existing Future Health Suraksha road ambulance was ₹ 1500/- per hospitalization. However the same is now revised to
a. ₹ 2000/- per hospitalization for Gold and Platinum plans
b. ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period for Topaz and Ruby plans

Policy can be taken for 1 year/ 2 years/ 3 years.

Cumulative bonus will be calculated on annual basis for long term polices same will reflect on the renewal notice

Yes there are sub limits –

a) Room rent, Board & Nursing Expenses for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs)– up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room. If admitted into Intensive Care Unit (ICU) up to 2% of the Sum Insured per day. All admissible claims under Room rent, Board & Nursing Expenses sectionduring the Policy year, shall be payable maximum up to 35% of the Sum Insured per claim. b) Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Feesfor Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 35% of the Sum Insured (excluding Cumulative Bonus) per claim.
c) Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any Medical expenses incurred which is integral part of the operation for Gold plan (for Sums Insured ₹ 50000/-, ₹ 1 lakh and ₹ 1.5 lakhs) – up to 40% of the Sum Insured (excluding Cumulative Bonus) per claim.
d) Hospital cash benefit for Platinum plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Gold and Platinum plans –₹ 500/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Gold and Platinum plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Gold and Platinum plans – ₹ 2000/- per hospitalization.

Future Health Suraksha – Topaz and Ruby Plans

a) Room rent, Board & Nursing Expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus) per day for non-ICU room.
b) Pre-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
c) Post-Hospitalisation Medical expenses for Topaz and Ruby Plans – up to 1% of the Sum Insured (excluding Cumulative Bonus).
d) Hospital cash benefit for Ruby plan – ₹ 500/- per day, up to 60 days.
e) Patient care benefit for Topaz and Ruby plans –₹ 350/- per day, maximum up to 10 days and 30 days in a policy period.
f) Accompanying Person for Topaz and Ruby plans – ₹ 500/- per day for child up to 10 years, maximum up to 30 days in a Policy Year.
g) Ambulance chargesfor Topaz and Ruby plans – ₹ 750/- per hospitalization and overall limit of ₹ 1500/- per policy period.
h) Disease wise sub-limits for Topaz and Ruby plans

There are 4 plans in revised Future Health Suraksha policy and the Sum Insured are as per the Plan opted.

Yes, at the end of every continuous period of 4claim free years.

Yes there are discounts under the Revised Future Health Suraksha policy and some are new addition w.r.t existing Future Health Suraksha policy 1. Family Discount- Family discount of 10% is applicable in case more than one family member is covered on individual sum insured basis in the same policy, except for the policy with coverage for one adult with one or more children, the family discount shall be on basis of age of the Adult as per below table: Age Bands Discount

2. Long term Discount (on single premium payment) –
a) 5% discount is applicable if policy is opted for 2 years
b) 10% discount is applicable if policy is opted for 3 years
3. Loyalty Discount – 2.5% discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident /Travel) from Future Generali India Insurance Co. Ltd.The loyalty discount shall continue only if the insured maintains the separate health insurance policy with us

Organ Donor Expenses, Recharge of Sum Insured benefit are newly added features in revised Future Health Suraksha policy.

There is no limit for Day Care procedures, any procedure according to the definition of Day Care Center & Day Care Treatment can be covered.

This is a new addition of benefit in revised Future Health Suraksha policy. In this we will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.

Renewal is for Lifetime. For Dependent Children– Renewal in same policy is up to 25 years. Once the dependent child crosses the age of 25 years, the child will have to take separate policy as proposer.

If there is no claim during the policy period,10% additional sum insured(Cumulative bonus) is added at renewal. Maximum accumulation of 100% cumulative bonus is allowed. In event of claim 10% is reduced however the basic sum insured is always protected.

Policy provides Individual as well as Family Floater Sum Insured basis for following Sum Insured options.

There are following waiting periods in the revised Future Health Suraksha policy

Yes the cumulative bonus will be passed from existing Future Health Suraksha to Revised Future Health Suraksha.

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 coverage's, please refer the plan overview.

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 in the age band of 36-45.

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.

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

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.

Yes. Tax benefits are available for health insurance policies under Sec.80 D of the Income Tax Act.

Following four are unique features of Future Generali Health Suraksha:

1. Enhancement of 25% of available sum insured for accidental hospitalisation subject to a maximum of Rs 1 lakh.
2. In event of hospitalisation of child up to 10 years, we pay additional benefit of Rs 500 per day during period of hospitalisation.
3. In event of hospitalisation of insured above 60 years, we pay additional up to a maximum of Rs 350 per day towards nursing charges incurred at home post discharge from hospital.
4. If insured opts for Sum insured of equals to or more than Rs.6 lakhs,we pay additional benefit of Rs.500 per day during period of hospitalisation.

For more such features,please refer the plan overview.

Yes, Future Generali PRIVILEGE program offers host of value added services to our valued Health Insurance customers.

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.

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.

Yes, for every continuous and claim free year, 5% increase in the Base Sum Insured will be available, provided the policy is renewed without a break subject to maximum of 50% of the sum insured.

This depends on your risk perception and cover under Saral Suraksha Bima is made available based on your current income. Base cover is given up to 144 x (times) your monthly income.

Self, spouse, Parents and Parents in-law, and dependent children can be covered in a single Saral Suraksha Bima policy.

Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal Form. If not disclosed within the said period, then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.

No, weekly compensation benefit is given to earning people only however benefit up to Rs. 0.2% of base sum insured per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Saral Suraksha Bima.

You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy.you may opt for Weekly compensation for Accidental Temporary Disability, Education Grant and Hospitalisation Expenses due to Accident covers.

Individuals from age 18 years to 70 years can opt for Saral Suraksha Bima, Future Generali India Insurance Company Limited. Children from age 3 months to 25 years can opt as a dependent.

At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per income.

Hospitalisation expenses due to accident are paid for inpatient treatment on reimbursement basis.

Yes, the coverage under Future Generali’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.

Nuclear, chemical and biological terrorism is not covered under Saral Suraksha Bima.

Apart from base covers viz. Accidental death, Permanent Total disability, Permanent Partial disability; Future Generali offers optional covers like and Temporary Total Disability, Education Grant and Hospitalisation Expenses due to Accident benefit to choose from.

Maximum renewal age up to 70 years.

Tax benefits are not available under Saral Suraksha Bima.

The loan borrowers of banks and financial institutions, will be eligible for the policy. The minimum age for taking this policy is 18 years to maximum 65 years and is renewable up to 70 years.

The following Critical Illnesses are covered under the policy:

(A) First Diagnosis of the below-mentioned Illnesses

• Cancer of specified severity.
• Kidney failure requiring regular dialysis (End Stage Renal Failure).
• Multiple Sclerosis with persisting symptoms.
• Benign Brain Tumor.
• Parkinson’s Disease.
• End Stage Liver Disease.
• Alzheimer’s Disease.

(B) Undergoing for the first time of the following surgical procedures

• Major Organ / Bone Marrow Transplant.
• Open Heart Replacement or Repair of Heart Valves (Heart Valve Replacement).
• Open Chest CABG (Coronary Artery Bypass Graft).
• Surgery of Aorta.

(C) Occurrence for the first time of the following medical events

• Stroke resulting in permanent symptoms.
• Permanent Paralysis of limbs.
• Myocardial Infarction (First Heart Attack of specified severity).
• Coma of Specified Severity.
• Major Burns.
• Deafness.
• Loss of Speech.

Yes, Medical test will be required for all the Insured(s) who are above age of 50 years.

The Company shall not be liable to make any payment directly or indirectly arising out of the following events:

A. Critical Illness

Pre-Existing Illness/ Disease. Medical Expenses incurred for the listed Critical Illnesses diagnosed within 90 days of the commencement of the Policy. Any external congenital Illness or condition or birth defects. Pregnancy, child birth. Any Critical Illness arising out of use, abuse or consequence or influence of any substance (substances that are abuse like illegal drugs, opioids, marijuana etc.), intoxicant, drug, alcohol or hallucinogen. Any sexually transmitted diseases, AIDS etc. Any Critical Illness caused by ionizing radiation or contamination by radioactivity from any nuclear fuel (explosive or hazardous form) or from any nuclear waste from the combustion of nuclear fuel, nuclear, chemical or biological attack.
B. Personal Accident

Pre-Existing Illness/ Disease. Accidental death or permanent disability due to mental disorders or disturbances of consciousness, strokes, fits or convulsions which affect the entire body and pathological disturbances caused by the mental reaction to the same. Suicide or attempted Suicide. Intentional self-inflicted injury. Working in underground mines, tunnelling or explosives, or involving electrical installation with high tension supply, or as jockeys or circus personnel, or engaged in Hazardous Activities.
C. Loss of Job

In the event of termination, dismissal, temporary suspension or retrenchment from employment of the Insured person being attributed to dishonesty or fraud or poor performance The Company shall not be liable to make any payment under this Policy in connection with or in respect of:
Self-employed persons; Any claim relating to unemployment from a job which is casual, temporary, seasonal or contractual in nature or any claim relating to an employee not on the direct rolls of the employer; Any voluntary unemployment; Unemployment at the time of inception of the Policy Period or arising within the first 90 days of inception of the Policy Period.
Any unemployment from a job under which no salary or any remuneration is provided to the Insured person. Any suspension from employment on account of any pending enquiry being conducted by the employer/ Public Authority. Any unemployment due to resignation, retirement whether voluntary or otherwise. Any unemployment due to non-confirmation of employment after or during such period under which the Insured was under probation.

The premium will not vary basis the type of loan and/or interest rates.

No, Personal Accident benefit covers only – Accidental Death or Permanent Total Disablement (PTD) due to accident under this policy.

Loss of Job is an optional cover and can be opted by salaried members only.
Insured event , under Loss of Job cover in relation to any Insured Person shall mean termination from employment of the Insured Person or lay off, his permanent dismissal or retrenchment from employment imposed on him by the employer due to any of the following:

First time diagnosis of any of the covered critical Illness for which a claim is admissible and payable under Critical Illness, during the policy period, or

Permanent Total Disability occurring due to an accident during the policy period for which a claim is admissible and payable under Personal Accident- Death and Disability.

Please refer policy wordings for detailed definitions of the covers and exlcusions.

There is a waiting period of 90 days in case of Critical illness and loss of Job covers i.e. the critical illness discovered or discoverable within 90 days from the inception of the Policy shall not be covered. Loss of Job occurring within the first 90 days of the policy is not payable.
There will be no waiting period for Personal Accident cover (Accidental Death and/ or Permanent Total Disablement).

The Policy can be taken for tenure of 1, 2, and 3 years.

Surakshit Loan Bima is a benefit policy that pays lump-sum amount on occurrence of the event to the insured. The lump-sum amount helps the insured i.e. loan borrowers of banks and financial institutions to guard him/ her and their family against the trauma they face for repayment of loan in the event of unfortunate incidences.
The Health insurance policy reimburses the actual medical expenses incurred by the insured during hospitalization up to the Sum Insured amount.

No, only salaried members can opt for Loss of Job cover. In case where Loss of Job is not opted, the member will get a premium discount of 10%.

No, this policy doesn’t cover natural death. The policy covers death due to an accident and critical illness specified in the policy.

Surakshit Loan Bima is a policy designed for the loan borrowers of banks and financial institutions. This Insurance Policy provides a comprehensive protection and is specifically designed to guard you and your family against the trauma you face for repayment of your loan in the event of unfortunate incidences which includes:
Maximum 18 listed Critical Illnesses
Personal Accident – Accidental Death, or Permanent Total Disablement (PTD) due to accident
Loss of Job (Optional cover) – can be opted for only Salaried Employees

This product will be offered on individual Sum Insured basis, covering up to a maximum of 4 applicants (1 main applicant and maximum 3 co-applicants).

Some of the common Vector-borne diseases in India include Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, Zika Virus.

The Sum Insured options available under this product are ₹ 10000, ₹ 25000, ₹ 50000 and ₹ 75000

This health insurance product provide a lump sum benefit in case the insured is diagnosed with serious diseases caused by vectors.
Lump-sum payment of 100% will be made if the policyholder gets hospitalized for minimum 24 In-patient care consecutive hours due to any of the following conditions:

i. Malaria

ii. Dengue

iii. Lymphatic Filariasis

iv. Kala-azar

v. Japanese Encephalitis

vi. Chikungunya

vii. Zika Virus

Premium is charged on the basis of Sum Insured opted.

Vectors are the organisms that transmit pathogens (microorganisms that can cause disease) and parasites from one infected organism to another without falling ill themselves.
Vector-borne diseases are a group of globally distributed and rapidly spreading serious diseases that are caused by Vectors.

No benefit will be paid under this plan in case of following:

• Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy

• Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/treatment within the waiting period

• Outpatient treatment

• Hospitalisation primarily for any purpose which routinely could have been treated on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.

• Experimental or unproven procedures or treatments.

• Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.

No, cashless facility is not available in this product. Claims payment is only on reimbursement basis.

Yes, you can. Each member will be entitled for separate Sum Insured and premium will be charged for each member separately. For this purpose, Family shall include Self, Spouse, maximum up to 3 Dependent Children and 2 Dependent Parents.

Yes, there will be an initial waiting period of 15 days from commencement of policy. However this will be increased to 60 days in case the insured is suffering from any one of the listed conditions, except Lymphatic Filariasis at the time of taking the policy. Further, in case the insured is suffering from Lymphatic Filariasis, at the time of taking the policy, it will be excluded from the Policy.

An individual of age 18 years to 65 years can buy this policy without any medical tests on annual basis.

Our FG Health Absolute insurance is designed specifically to cover the complete physical and mental well-being of your entire family. It allows you to cover up to 15 members under the same policy. You can enjoy several benefits including reward points that are not present in a standard health insurance plan.

You can opt for these sum insured options on individual and floater sum insured basis- ₹ 3L, ₹ 5L, ₹ 10L, ₹ 15L, ₹ 20L, ₹ 25L, ₹ 30L, ₹ 35L, ₹ 50L, ₹ 75L, ₹ 1Cr. 

You can FG Health Absolute opt for 1, 2, or 3 years.

The minimum age to be covered under FG Health Absolute is 1 day and there is no restriction for the maximum age. However, renewal of the policy can be lifelong.

Yes, transgenders are covered under the policy along with their partners.

Yes. If you insure more than 1 member under the same FG Health Absolute policy, you will receive a 10% family discount under a non-floater policy. No family discount applies for a floater policy.

Yes. If you buy the classic plan, members above 50 years will have to undergo a pre-policy check-up. If you buy the signature or platinum plan, members above 18 years will have to undergo a pre-policy check-up. 

All insured members above 18 years can avail of the wellness benefits. For this, the insured person has to register on the FG mobile app with their unique mobile number and the policy number.

a. Under the FG Health Absolute policy, the insured person will be eligible to earn reward points. This will help them assess their health status and improve their overall well-being. These activities performed by the insured person will determine their reward points.

The points earned in a year will be equal to a certain percentage of the premium specific to the insured person. Here is a table for reference-

b. If the insured person does not opt for a renewal discount, they can use the reward points for OPD consultations /Diagnostics tests and/or Purchase of prescribed medicines through our tie-up wellness partners. They can do this up to 3 months from the policy expiry date.

a)      The points can be used by all members covered under the policy, regardless of who contributed to earning them.

b)     If you have opted for a long-term policy, you can carry forward the points from the 1st year to the 2nd and 3rd years. 

c)      You can burn the points for the following benefits-

• Availing of out-patient consultations from clinics in our wellness partner network.
• Diagnostic or preventive tests from clinics in our wellness partner network.
• Purchase of prescribed medicines through an online pharmacy from our wellness partner network.
• Reimbursement of Non-medical expenses in case of a claim under hospitalization expenses.
• Renewal discount.

If you buy an individual policy, the premium will be based on the age band and sum insured you select. 

If you buy a family floater, the premium for the primary insured member will remain the same as given in the individual table. For the other members, the premium is calculated based on the floater discount.

See the below table for reference.

We pay for cataract surgery, up to 10% of the sum insured for each eye, maximum up to the amount specified in the Policy schedule, after the expiry of the two years waiting period.

A cumulative bonus means when we increase your sum insured without increasing your premium. For every claim-free policy (where no claims are reported), the cumulative bonus will be increased by 50%. This does not include a claim under OPD treatment and Wellness Benefits. To get the bonus, you have to renew the policy without a break. This is limited to a maximum of 100% of the sum insured under the current policy year.

If you report a claim in any year, the cumulative bonus will be reduced at the rate at which it has accumulated. However, your sum insured will remain the same.

Yes. Maternity treatment is covered with a waiting period. Infertility is covered in the Platinum and Signature Plan, over and above the maternity limit. It is covered after a waiting period of 3 years.

• 24-month waiting period for:
  Pre-existing conditions, Internal Congenital Anomalies, Cataracts, Benign Prostatic Hypertrophy Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, all types of nasal and para nasal sinus related disorders, Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, All internal or external tumours/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumour or growth. Surgery for prolapsed intervertebral 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-month waiting period for:
  Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age-related osteoarthritis, Osteoporosis, unless such joint replacement surgery is medically necessary due to injury. 
• 30-day waiting period for:
  Medical expenses for any illness diagnosed or diagnosable except those incurred as a result of Injury.

You can call on our 24 hours call centre on 1800 103 8889 or Fax on 1800 103 9998. Or mail us at fgh@futuregenerali.in.

Yes, The product includes the following 3 sub limits:
i. Base Sub limitsExpenses incurred during hospitalization (inclusive of pre and post hospitalization) for the specified conditions/ procedures as listed in Policy wordings shall be payable as per the option chosen by the insured under base sub limits:
a. Standard option
b. Double option
c. Nil sublimit option
ii. Mandatory Sub limits for Modern Treatment Methods and Advancement in Technologies
Medical Expenses incurred for the treatments or procedures listed in policy wordings, as inpatient or as day care treatment (inclusive of pre and post hospitalization), shall be restricted to 50% of the sum insured opted, per policy period.
iii. Optional Sub limits
These sub limits shall be applicable for sum insured from INR 3 Lacs up to 10 Lacs if the Insured has opted for it. The Medical Expenses incurred during hospitalization (inclusive of pre and post hospitalization) due to the below listed treatments shall be limited to actual expenses or up to the Sub limits (whichever is less)

We will cover the reasonable and customary charges towards Medical Expenses incurred for Home Health Care Services during the Policy Period and availed through empanelled Service Provider on Cashless Facility basis, subject to policy terms and conditions.

Network Provider means hospitals or health care providers enlisted by Future Generali to provide medical services to an insured on payment by a Cashless Facility. (Please note: The Hospitals which have been empanelled by Us as Network Providers are as per the latest version of the schedule of Hospitals maintained by Us, which is available to You on request.)
Non-Network Provider means any hospital, day care centre or other provider that is not part of the network.

You can be advised Pre-insurance medical examination, on the basis of your Age, Sum Insured opted, and any health declaration in the proposal form. In case there is a health declaration, pre-insurance medical tests maybe advised.

i. For Health Super Saver 1X plan?option, in case, your first year of plan tenure is claim free, you are eligible for Super Saver discount of 80% in the consecutive year?
ii. For Health Super Saver 2X plan?option, in case, your first 2 years of plan tenure are claim free, you are eligible for Super Saver discount of 80% for next consecutive 2 years, or up to first claim, whichever is earlier?
iii. The plan opted will be common for all members covered under the policy irrespective of Individual and Floater sum insured options?
iv. In case there is no claim paid for an insured in an individual policy, the Super Saver discount would be applied for that respective individual’s premium only. In case of claim paid in the first year under 1X plan or in the first 3 years under 2X plan for any insured under the individual policy, the Super Saver discount will not be applicable to the insured.? However at the time of renewal Insured has an option to start a new cycle under 1X Plan or 2X plan. In such case, he/she will be covered under a separate policy with new plan tenure on individual sum insured basis?
v. In case there is no claim paid for any of the insureds covered under the floater policy, the Super Saver discount would be applied on total policy premium. In case of claim paid for any insured under the floater policy, the Super Saver discount will not be applicable? However the policy can be renewed with a new cycle under 1X Plan or 2X plan?
vi. Irrespective of the plan tenure, premiums applicable are on yearly basis?
vii. An insured has an option to change the plan, sub limit options and sum insured at the time of renewals in case of claim under the expiring policy?
*Note: For the purpose of the Super Saver discount calculation, paid claim and outstanding claims are considered.

Yes, cashless facility is available for health Super Saver.

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
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

You can get covered for expenses incurred for hospitalization under Ayurveda, Yoga and Naturopathy, Unani, Siddha and Homeopathy systems of medicines. The treatment has to be undergone in a government hospital or in any institute recognized by government and / or accredited by Quality Council of India / National Accreditation Board on Health for that Alternative treatment.

Pre-policy medical test is available:
a) On cashless basis wherein customers are required to visit our Empaneled Diagnostic Centre and get the Pre-Policy tests conducted.
b) In case cashless facility is not available, the customer have to first pay for the tests charges directly to the diagnostic centre. Upon acceptance of the proposal by Future Generali and issuance of policy for that member, you can claim for 100% reimbursement by submitting the original payment receipt.

You can opt for below sum insured options on individual and floater sum insured basis. Rs 300000, Rs 400000, Rs 500000, Rs 600000, Rs 1000000, Rs 1500000, Rs 2000000, Rs 2500000, Rs 5000000.

Health Super Saver is a health insurance product with a unique benefit of ‘Super Saver Discount! It provides a wider coverage for the whole family at a reasonable premium.

Health Super Saver is offered on an Annual term basis.

Yes, pre (60 days) and post (90 days) hospitalisation is covered under Health Super Saver.

The minimum age required for entry for children is day 1. The Maximum age for entry is 70 years with Lifelong renewability. Children will be covered as dependents up to 25 years of age. If the child above 18 years of age is financially independent, he or she shall be ineligible for coverage in the subsequent renewals.

There are 2 plans in Health Super Saver:
Health Super Saver 1 X plan
Health Super Saver 2X plan

If you pay the premium by any mode other than Cash / DD under the Policy , You shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

Health insurance is a type of insurance that covers the cost of medical care. It can help pay for doctor visits, hospital stays, prescription drugs, and other medical expenses.    

Health insurance typically works by having you pay a premium regularly for the duration of the policy. In return, the insurance company pays for the agreed portion of your medical expenses. This helps you stay protected against medical emergencies and be able to fund them comfortably.

Medical emergencies can come unannounced. If you don't have health insurance, you will have to pay the full cost of your medical care out of pocket. But as these treatments can be expensive, they can take a toll on your finances. With a health insurance plan, you do not have to worry about arranging funds in times of need.

When choosing a health insurance plan, you must consider different factors like the cost of the premium, the size of the network of doctors and hospitals, add-on services, and the coverage offered. You must also consider your own medical needs and budget when selecting a plan.

To get health insurance, you must meet the following eligibility criteria-

• Adult buyers must be between 18 and any age limit.
• Dependent children must be between 1 day to 25 years of age.
• If you are a senior citizen, you must go through a pre-medical screening.
• In case you have a pre-existing disease, you will have to bear a waiting period of 2 to 4 years.

A pre-existing condition is a health condition that existed before you apply for a new health insurance plan. Some insurance companies may not cover treatments for pre-existing conditions or may charge more for coverage.

There are several benefits of buying health insurance when you are young. These include-

• Fewer health concerns
• Higher insurance coverage at a lower premium
• You do not have to wait through the waiting period
• Higher no claim bonus.

A waiting period in health insurance is a specific period that must pass before certain benefits or coverage under a health insurance plan can be used. There are different types of waiting periods in health insurance:

• Pre-existing condition waiting period: This is a period that must pass before your plan will cover treatments for pre-existing conditions.
• Waiting period for new coverage: This is a period that must pass before your new coverage under a health insurance plan begins.
• Waiting period for certain benefits: This is a period that must pass before you can use certain benefits under your health insurance plan.
• Waiting period for specific diseases: This is a period that must pass before your insurance plan will cover treatments for specific diseases.

Yes, you can insure yourself and your spouse under a floater policy.

An individual of age 60 years and above can buy this policy. In case of Individual policy, we shall not be able to offer cover to the spouse of age less than 60 years. However he/ she can still be covered under Family Floater option, provided the age of Self (primary insured) is 60 years and above.

Yes, Pre-insurance medical examination is mandatory for Sum Insured 7.5 L and 10 L or if there is any adverse medical declaration in the proposal form.

Yes, there are waiting periods as detailed in the table below:

Plan options available:

Yes, the Sub limits are applicable for specified procedures under this policy as per the table below:

Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.

Yes, pre (60 days) and post (90 days) hospitalisation is covered. However combined expenses for Pre and Post hospitalisation are limited up to 2% of Sum Insured opted maximum up to ₹ 10000 for each hospitalisation as detailed below:

Plan options available:

Co-payment means a cost sharing requirement under a health insurance policy that provides that the policyholder/insured will bear a specified percentage of the admissible claims amount. A co-payment does not reduce the Sum Insured.

Co-Payments applicable under the policy
i.50% co-payment is applicable on each and every claim related to Pre-existing disease, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
ii.25% co-payment is applicable on each and every claim for all other claims, on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation. However the Insured have an option to waive off this co-payment on payment of additional premiu

Yes, cashless facility is available

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

The Sum Insured options available under this product are ₹ 200000, ₹ 300000, ₹ 400000, ₹ 500000, ₹ 750000, ₹ 1000000

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

A nominee can be spouse, children or parents.

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

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.

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.

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.

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

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.

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.

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.

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.

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.

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.

24 months waiting period for:
Pre existing conditions, Internal Congenital Anomalies, 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.

48 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.

No, there is no exit age in this policy.

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

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.

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

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

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.

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.

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.

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

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.

Yes, you may migrate your existing policy by applying to us 30 days before your policy expiry date

In event of hospitalisation even if you have a standard Mediclaim policy, you may have to make some “out of pocket” expenditure like food, conveyance etc. Hospi Cash will pay a fixed benefit amount for each day of hospitalisation to take care of such incidental expenses and thus reduce out of pocket expenditure.

Policy offers various options (30/ 60/ 90/ 180 days) and you may choose accordingly.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

Yes, we will pay additional Rs. 5,000 as convalescence/ recovery benefit if the insured is hospitalised for consecutive period exceeding 10 days.

We offer up to Rs. 3000 per day benefit under Hospi Cash. Moreover in case of ICU hospitalisation the benefit amount will be double (same city) or triple (other city).

No, Hospi Cash is a benefit policy which means the benefit amount is not related to actual expenses hence original bills are not required. Bills and documents (original) asked at the time of claim are for checking the admissibility and will be returned to you.

Yes, non-working spouse can opt for personal accident policy as a self-proposer. The maximum sum insured that can be allowed is ? 10 lacs with TTD Sum Insured max ? 1 lakh (i.e. limited to ? 1000/- per week for 100 weeks).

Yes it is covered (except in case of abetment of terrorism)

The maximum payout in case of Permanent Total Disablement (PTD) is 150% of Sum Insured under PTD benefit.

Individuals from age 18 years to 70 years can opt for Future Generali’s Individual Personal Accident Policy. Children from age 3 years to 25 years can opt as a dependent.

This depends on your risk perception and cover under Personal Accident policy is made available based on your current income. Accidental death cover is given up to 144 x (times) your Monthly Income (as per Risk class under which you are assessed). For eg - A salaried person is eligible for a sum insured upto a maximum of 144 times of his monthly Income (as appearing in Form 16 / Salary Slip / IT Acknowledgment) and a Self Employed Person is eligible for a sum insured up to a maximum of 144 times of his monthly income (as appearing in IT Acknowledgment /Audited P & L). A person working in underground mines is eligible for a sum insured up to a maximum of 144 times of his monthly income(as appearing in Form 16 / Salary Slip / IT Acknowledgment).

Tax benefits are not available under Personal Accident Policy.

No, hospitalisation expenses are paid for in patient treatment on Reimbursement basis.

Yes, for every continuous and claim free policy year, 5% increase in the Base Sum Insured will be available, subject to a maximum of 25% of the Base Sum Insured including if your policy is reported to us.

Self, Spouse and maximum two dependent children can be covered in a single Personal Accident policy.

Yes this must be informed to the insurance company in writing within 30 days of the change by filling a fresh Proposal form. If not disclosed within the said period , then the insurance will cease as far as the Insured Person is concerned from the date of change of Occupation.

No, weekly compensation benefit is given to earning people only however benefit up to Rs. 1000 per week for 100 weeks may be allowed for your wife if she is insured as a dependent under your Personal Accident policy.

You have taken a considered decision of taking a Life Insurance policy which is indeed wonderful however protection offered by Personal Accident policy is far wider in terms of coverage e.g. In personal accident policy you may opt for Weekly compensation for Accidental Temporary Disability and Accidental hospitalisation covers.

Both you and your husband can take Personal Accident policy as per your current income and choice of covers; however rate of premium will be different for you and your husband as it depends on Risk classification. You (Dentist) and similar other professional like teachers, bankers, architects, lawyers, accountants etc are classified under risk Class 1 and pay lower premium than risk Class 2 professional like Sales executives, Builders, Contractors and people engaged in similar professions.

At Future Generali, we offer flexibility to our valued customers to select the optimum coverage as per the risk class and income.

Yes, the coverage under Future Generali’s policy is worldwide and 24X7 except when you are travelling to countries where Government of India has imposed travel and other restrictions. However, claims, if any, will be paid in Indian currency only.

Repatriation of remains and Funeral Benefit is an inbuilt cover, no premium would be charged for this benefit.

Apart from primary covers viz. Accidental death, Permanent Total disability, Permanent Partial disability and Temporary Total Disability; Future Generali offers many additional and unique coverage options like Child Education Support, Life Support Benefit, Accidental Hospitalization, Accidental Medical Expenses, Hospital Cash Allowance, Loan Protector, Adaptation Allowance, Family Transportation Allowance, Broken Bones, Road Ambulance cover, Air Ambulance cover, Adventure Sports Benefit and Chauffer Plan benefit to choose from.

Policy can be renewed lifelong.

Yes, you may port your existing policy by applying to us 45 days before your policy expiry date.

Yes, there are waiting periods for joint replacement (3 years) and Pre- existing condition (4 years)

No tests would be conducted in case of proposer/insured less than 55yrs and subject to clean proposal form (without health declaration). However in case of any health declaration medical test may be required regardless of age.

Health Surplus is a high deductible health plan which pays for inpatient medical expenses in excess of the prescribed deductible limit. The deductible is applied on each and every claim.

Yes, pre (60 days) and post (90 days) hospitalisation is covered.

It means prescribed deductible amount will be reduced from each admissible claim and balance amount paid. In cases where relapse within 45 days of first hospitalisation, single deductible will be applied on the total claim amount.

Yes, you can insure yourself, your spouse and up to 2 dependent children under a floater policy.

The maximum indemnity for Rs. 5 lakhs coverage with Rs. 2 lakhs deductible is Rs. 5 lakhs. For eg. If the Sum Insured is Rs. 5 lakhs and deductible is Rs. 2 lakhs, our liability for a claim of Rs. 7 lakhs would be Rs. 5 lakhs (which is over and above the deductible).

Yes, Health Surplus can be taken as a stand-alone plan. It can also be taken alongwith Health Suraksha or any other Individual Health Insurance or Group Insurance Plans.

Yes, cashless facility is available.

In cases where the actual medical expenses cross the threshold limit i.e. deductible, this policy will help. Moreover this policy has very attractive premium rates and can be opted in combination with Health Suraksha to provide higher coverage at reasonable premium.

Yes. Tax benefits are available for health insurance policies under Sec. 80D of the Income Tax Act.

Yes,you have to contribute a minimum amount towards own damage claims which is known as Deductible-e.g.Rs.1000 for each claim for car with cubic capacity up to 1500 CC will have to be borne by you.In addition,replaced parts are subject to the depreciation scale(Refer Policy Wordings for the scale of depreciation applied for various parts)in the claim assessment. For e.g.50% depreciation is applied on all the plastic parts.

Note:depreciation waiver cover can be separately opted. Zero depreciation add on cover is provided by Future Generali for vehicles up to the age 5 years.

Yes,it is possible to insure the paid driver(Legal Liability to Employees)under provisions of Workmen’s Compensation Act as amended.This cover is available on payment of a nominal premium amount.

Yes,it is compulsory to insure the Registered Owner of the vehicle against risk of Personal Accident only if he/she holds a valid driving license.This cover is available on payment of a nominal premium amount.

Yes,they may be insured against risk of Personal Accident for a sum not exceeding Rs.2 lakhs per passenger by paying an additional nominal premium.

No Claim Bonus is allowed to the Insured and not to the insured car.Hence,on sale of the car,the insurance policy can be transferred to the new owner but not the No Claim Bonus.The new owner has to pay the difference on account of No Claim Bonus for the balance policy period.The original owner can,however,use the No Claim Bonus from his old car(the one he has sold)to a new car purchased by him.For this he has to apply to the existing insurance company and get the No Claim Bonus reserving letter

Motor Own Damage Insurance is a form of insurance to help you in the event of damage to your car in an accident.Motor Own Damage Insurance covers a wide variety of cases,from broken windows to theft or damages arising out of an accident.

Motor third-party insurance cover,which is also referred to as the‘act only’cover,is a statutory requirement under the Motor Vehicles Act,1988.It is referred to as a‘third-party’cover since the beneficiary of the policy is someone other than the two parties involved in the contract(the car owner and the insurance company).The policy does not provide any benefit to you.However,it covers any legal liability that you may incur due to death/disability of third-party and/or loss or damage to the third-party property while using the car.

For the Own Damage Claims Yes,you can opt for a cashless claim settlement if you approach our Future Generali Convenient Workshops for repairs to your car.In case you get your car repaired in a non-network workshop,Claims will be directly settled to you upon submission of all required documents with 7 working days.

Third Party claims are awarded by Motor Accident Claims Tribunals as per provisions of Motor Vehicles Act 1988 and settled by Future Generali.

Insuring your car against the risks of Third Party liability is mandatory as per Motor Vehicles Act 1988.Most private car owners however prefer comprehensive or package policy covering the risks of loss or damage to the car-Own Damage in addition to the Third Party Liability Risk.

Our contact centre executive will assist you to get your car towed to ourFuture Generali Convenient Workshops.In the meantime you can keep the car in a safe place.

Immediately notify the losson our helpline numbers.We have a tie up with Windshield experts who will arrange to repair or replace the glass damage.This service can also be availed at your door step.

If you are having an Act Policy,any legal liabilty that you may incur in case of death or any bodily injuries to third party and for damage to property of third party is covered.However any damages to the car will not be covered under the policy.

If your car is insured undercomprehensiveinsurance policy and the person driving your car holds a valid driving license,the accidental damages are covered subject to terms and conditions as indicated in thepolicy wordings.

As soon as your car meets with an accident or injures a third party or damages the property of a third party,inform us on our helpline numbers 1800 220 233/1860 500 3333/022 67837800 or sms MOTORCLAIM to 9222211100.Our claims executive will get in touch with you and guide you on the procedures and documents necessary to process your claim.

A copy of theclaim formis included in the policy kit that you must have received.However for your convenience our representatives will supply theclaim form.Theclaim formis also available at ourFuture Generali Convenient Workshops.Alternatively,you can also download theclaim formfrom our web site.

Spot Survey will be completed within 24 working hrs.

If you are having Own Damage coverage under your motor insurance policy with Future Generali,the damages to your car will be covered subject to terms,conditions and exclusions of the policy.

The Survey will be conducted by our authorised Surveyor at the workshop where you leave your car for repair.

You can get your car repaired at any of our Future Generali Convenient Workshops.Our surveyor or Contact Centre will also assist you in selecting one of our Future Generali Convenient Workshops.

It depends on the extent of the damages to your car and also on the time that the workshop will take to repair the car.However if you have opted to repair the car at ourFuture Generali Convenient Workshopsyour car will be repaired on priority among other cars.

It doesn't matter where the accident happens.Justcall on our helpline numbersand our claim executive will guide you through the procedures.

Yes.If you have opted for this coverage and paid additional premium,you or any named person other than your paid driver or cleaner can be covered under Personal Accident insurance.

Immediately notify the loss to the nearest police station from the place where the car was stolen and also intimate the sameon our helpline numbers.Our surveyor will get in touch with you and assist you on further course of action.

Yes.You can choose your own workshop to get your car repaired.You will have to make the full payment to the workshop and submit the final bills and receipt.The claim will be settled within 7 working days from the date of submission of final documents.

In case of any claim during the insured policy period,you will lose all the No Claim Bonus(NCB)that you may have accrued over the years at the time of renewals.

Doctor certified disablement which entirely prevents You from engaging in your usual occupation or employment or any other occupation or employment for which You are suited by reason of education, training, experience or skill or if not employed, from engaging in any and every occupation for the remainder of Your life

Doctor certified inability to engage in your usual occupation or employment

No, personal accident policy does not cover natural death. Only deaths due to accident will be covered.

The following activities and sports are not covered by the policy: Whilst working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply, jockeys, circus personnel, Engaged in activities like racing on wheels or horseback, big game hunting, mountaineering, winter sports, rock climbing, pot holing, bungee jumping, skiing, ice hockey, ballooning, hand gliding, river rafting, polo and persons engaged in occupation / activities of similar hazard.

The following is the indicative list of documents required for processing a claim.

Documents required for death claims include:

Claim form

Attending doctor’s report

Original death certificate

Original / attested post mortem / coroner’s report

Attested copy of FIR / Panchnama

Police Inquest Report, where applicable

Documents required for disablement claims include:

Claim form

Attending doctor’s report

Original disability certificate from the doctor

Investigation / laboratory reports and other medical case papers

Original discharge summary if hospitalized

Police Inquest report, where applicable

In case of permanent total disability, disability certificate from competent authority.

Documents required for weekly benefit claims include:

Claim form

Attending doctors report

Original disability certificate from the doctor

Investigation / laboratory reports and other medical case papers

Employee leave certificate with grade / designation

Yes you will be covered only if travel in the Plane as a passenger and if the death is due to physical injury caused by the hijackers or if such hijacked plane meets with an accident

NO - Only people traveling as a passenger on a registered standard airline are covered

Yes you can include your family. There are various packaged plans, which we have and hence the inclusion of your family will depend on the plan that you will opt for.

Doctor certified total and continuous loss or impairment of a body part or sensory organ specified

Loss of, or loss of use of, specified members of the body resulting from accidental bodily injury is called dismemberment.

The coverage offered under the policy is on worldwide basis. So the policy covers any accident happened even abroad. However policies are also issued which are locations or time basis. Please check the policy document for the confirmation.

Amateur sports will be covered. While you are covered for most of the normal, non- hazardous sports, Professional sport and any racing are not covered.

Benefits under the Accident Policy are as mentioned.

Death 100 % of Sum Insured

Permanent Total Disablement 100 % of Sum Insured

Loss of two limbs / Two eyes or one limb and one eye 100 % of Sum Insured

Loss of one limb or one eye 50 % of Sum Insured

Permanent Partial Disablement Varies from 1% to 75% of Sum Insured depending on the disablement

Temporary Total Disablement 1 % of Sum Insured per week subject to a maximum of Rs 5000 per week for a maximum period of 100 weeks

Details are mentioned in policy certificate provided by us.

MLC Copy, a Medico – Legal certificate is the certificate signed by the policeman and issued by the hospital for medico legal cases (cases where police need to be kept informed). On admission to the hospital, hospital medical staff will identify the cause or nature of illness / disease / accident and if required will inform the police about the case. Policeman will visit the hospital to enquire the cause and sign the MLC Copy.

Hospital Cash allowance pays a fixed daily benefit to an insured person for being admitted in a hospital because of an accident. The benefit amount and the number of days for which the payment will be made are based on the cover taken by you. The Amount paid is compensation and is not restricted to actual expenses that one incurs in the Hospital.

Note: Hospital cash allowance is an additional cover under accident policy on payment of additional premium.

The claim can be intimated by either writing to us at the address mentioned in the policy or just give a call at the toll free number, mentioning the policy number / certificate number and name of insured and we shall take the claim process forward.

The standard exclusions under the policy are as under:

Any claim in the same period of insurance exceeding the Sum Insured

Suicide, attempt thereat, VD, criminal breach of law, influence of liquor / drugs

Pregnancy related claim

War and nuclear perils

For details of exclusions refer the policy documents.

Mediclaim policy is designed to cover the hospitalization expenses arising out of illness, sickness & accident. PA policy on the other hand is a benefit policy & the benefits are paid to the insured on the prescribed scale on happening of an accident leading to admissible claim under the policy. PA policy can be extended to cover the reimbursement of the medical expenses on payment of extra premium.

Accident means any sudden, unintended and fortuitous external and visible event, which might cause bodily injury or which leads to a physical disability or death.

Please see Policy / certificate of insurance for the same, in case of any queries you can call us our assistance company for guidan

All the claim procedure is same for the minor child, only payment will be made to parents / guardians.

In case where air line is not able to deliver your baggage at the destination and same is not traced for 45 days and airline has confirmed the baggage being lost. You need to produce the letter of airline confirming the loss and the claim paid by them for such baggage loss.

As per the policy we will deduct the amount paid by the airlines and balance will be paid by us, subject to policy limits.

Any medical condition which is present before effective date of the policy / certificate of insurance is called as preexisting, which is not covered under the policy.

Accidental dental expenses are covered, i.e. dental treatment that is necessarily incurred to restore sound and natural teeth following an Accident.

In case where your injured abroad and you are being evacuated company will pay for the transportation and medical aid subject to policy limits. Our liability ends upon safely repatriating you to home soil where you are assimilated into the local healthcare system.

Sub limits are the limits which is applicable to an individual equal to above 55 completed years.

The limits are set for the each and every benefits for ex: for bad charges, pathology expenses etc.

The insured person needs to bare the expenses over and above such set limits, which is mentioned on your policy broacher.

Baggage delay is coverage provided to you to buy daily needs in absence of your baggage like food, clothes etc, you need to produce original bills and receipts of such purchase at the time of claiming.

There is no coverage for the same under the policy

It is imperative to call our assistance company in case of hopitalisation our assistance company will guide you to find out nearest medical facility and other assistance as required by you, based on your medical papers our assistance company will help you for cash less.

You will have to bare excess under the policy and rest of the amount will be settled by us with the medical facility.

Medical expenses as a result of an accident for ex: car accident or domestic falls is called as accident medical expenses.

Expenses arising out of any sickness like fever, cold etc. are called as sickness medical expenses.

In case of accident medical expenses the excess is not applicable.

In case of any claim or for any assistance you can call on the numbers given ion your certificate of insurance i.e. our assistance company and they will guide you further as per your requirement.

Excess is an amount that needs to be paid first by you in the event of each and every claim. for ex: if your excess amount is USD 100, if you have claimed for USD 500 for medical expenses then you need to bare first USD 100 and company will reimburse you USD 400 under the policy.

No, you cannot claim under both the sections of the policy. Future Generali India insurance Co. ltd. Will pay you for baggage loss subsequent to baggage delay and deduct the amount paid by us under baggage delay section of the policy.

Policy no is number provided by us to your company for all the employees traveling abroad.

Certificate number is a number provided to an individual traveler based on travel sector, number of days of travel.

In case of claims where you need to pay the entire amount first and then apply for reimbursement after coming back to India.

The Medical expenses other then sickness, baggage delay, trip delay are the classic examples of reimbursement claims.

Reasonable expenses paid by you for acquiring new passport as well as visas will be reimbursed by us. All the bills / receipts need to be provided to us at the tome of claim.

In case where your baggage is not delivered at the destination and the same is delivered by the airlines afterwards. The policy triggers in case of delay which is more then 12 hrs.

Yes, a request for authorization for cash less access may be declined if,

Inadequate / vague / wrong information is provided and the TPA is unable to get access to additional information.

The ailment / disease for which hospitalization is required is not covered by insurance.

The person does not have adequate insured amount left to cover the hospitalization costs.

This only means that cashless access is declined, AND IS IN NO WAY TO BE CONSTRUED AS DENIAL OF TREATMENT. The policyholder must obtain the treatment as per his/ her treating doctor’s advice.

The denial of pre-authorization letter shall not be construed to mean that the policyholder cannot claim under the terms, exclusions and conditions of the policy. In such cases you are advised to file your claim for reimbursement and TPA will settle the claim as per your policy terms and conditions.

Individual Mediclaim policy does not cover maternity & related events. Maternity benefits are covered under the Group Mediclaim policy, subject to the payment of additional premium.

Identity card means the card issued to the Insured Person by the TPA to avail Cashless facility in the Network Hospital. The card may be a Photo identity card or a non-photo identity card. It is mandatory for the insured to carry an identity card for the purpose of admission into the hospital.

A THIRD PARTY ADMINISTRATOR (TPA) means any Company who has obtained license from IRDA to practice as a third party administrator and is appointed by the Insurance Company for the purpose of servicing their health insurance policies.

A Hospital, which has an agreement with TPA for providing Cashless treatment, is referred to as a 'Network Hospital'. List of network hospital is available in user guide / TPA website. Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those who are not empanelled by the TPA and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per normal procedure.

Cashless Hospitalization is available only in Network Hospitals. While it's recommended that you choose a network hospital you are at liberty to choose a non-network hospital also. In case you avail of treatment in a Non Network hospital, TPA will reimburse you the eligible amount of bills subject to the policy taken by the policyholder and claim being admissible.

The Policy Holders attention is drawn to the definition of Hospital in the Mediclaim policy. TPA should be contacted within few days from the time of admission with details of TPA card number, nature of illness, name & address of the Hospital/ Nursing Home/ Clinic, attending Doctor, Bed Number etc. The claim form can be collected from the nearest branch of the Insurance company / TPA office / TPA website. This claim form must be filled fully and sent to the nearest TPA office along with the following documents in original.

Claim Form properly filled in and signed by the claimant. Claim form is available at any of the DHS branches and also can be downloaded (see Download Forms)

Original Discharge Card / Summary from the hospital / nursing home.

Doctor's consultation reports / history.

Hospitalization and other medical Bills, Receipts in original.

Cash Memos from hospital / pharmacies supported by proper prescription.

Diagnostic test reports supported by a note from the attending medical practitioner / surgeon justifying such diagnostics. Surgeon's certificate stating the nature of the operation performed and surgeon's bill and receipt.

Note: Only expenses relating to hospitalization will be reimbursed as per the policy taken. All non-medical expenses will not be reimbursed.

PRE-HOSPITALIZATION: Relevant medical expenses incurred during the defined period prior to hospitalization on disease / illness / injury sustained will be payable.

POST-HOSPITALIZATION: Relevant medical expenses incurred during the defined after hospitalization on disease / illness / injury sustained will be payable.

Note:- Pre & Post Hospitalization expenses are payable only when the main hospitalization claim is admissible.

If maternity cover is opted by group, sum insured sublimit for maternity and related events per policy year will be as per policy terms.

Maternity coverage will cover Hospitalization expenses towards delivery (normal / operative) and hospitalization expenses towards complications of maternity during the antenatal & postnatal period. Antenatal and postnatal outpatient expenses are not covered under maternity benefit coverage, unless mentioned in the policy.

The Mediclaim Policy allows reimbursement of medical expenses incurred towards the ailment / disease for which hospitalization was necessitated prior to hospitalization and up to a certain number of days after discharge.

This is subject to the limits as described in the policy. The medical expenses incurred prior to Hospitalization are called pre- hospitalization expenses and those incurred subsequent to discharge as post Hospitalization expenses.

Send all bills in original with supporting documents along with a copy of the discharge summary and a copy of the authorization letter to the nearest TPA Office. TPA will scrutinize the claim and settle the bills subject to the overall limit of the policy, provided the main hospitalization claim is admissible. The bills must be sent to TPA within the defined period from the date of completion of treatment.

MLC Copy, a Medico – Legal certificate is the certificate signed by the policeman and issued by the hospital for medico legal cases (cases where police need to be kept informed). On admission to the hospital, hospital medical staff will identify the cause or nature of illness / disease / accident and if required will inform the police about the case. Policeman will visit the hospital to enquire the cause and sign the MLC Copy.

Each person covered under the Policy will be issued a Health / identity card. Whenever there is a need for hospitalization the policyholder should obtain an Authorization Letter from TPA. The authorization letter will indicate the name of the insured/patient, the name of the hospital where treatment is required, the nature of illness / disease for which treatment is required and the monetary limit above which the insured / patient will have to pay. The policyholder will have to submit this authorization letter along with the identity card given by TPA to the admission counter in the hospital.

Mediclaim is a health insurance to cover hospitalization expenses of an individual. A health insurance policy is a contract between an insurance company and an individual / group in which the insurance company agrees to provide health insurance cover at a premium pre fixed by the insurance company on the basis of the age and medical conditions of the client. The policy is for a period of one year and can be renewed every year after paying the premium. The Insurance company offers cashless as well reimbursement facilities through a Third Party Administrator. A health insurance policy can be taken by an individual for himself and his family. A corporate can also take a group policy for its employees and their family.

Inpatient hospitalization is the event of hospitalization for treatment where patient stay in the hospital for minimum 24 hrs. Daycare hospitalization is the event of hospitalization for treatment where patient stay is less than 24 hrs.

Note: Policy will not cover the hospitalization of less than 24 hrs, except for daycare diseases as mentioned in policy daycare list

The policyholder is required to fill the request for pre- authorization letter and send through fax/other means to the nearest TPA office mentioned in the user Guide or TPA web site. TPA will scrutinize the request for authorization letter and send an authorization letter or regret letter. Request for pre-authorization letter are available with TPA office or can be downloaded from TPA website.

In the cashless access, TPA will authorize the hospital for the treatment of Insured. The payment shall be made directly by the TPA to the hospital for the amount sanctioned/authorized (subject to Policy Terms, exclusions and Conditions).

Floater is a privilege offered to the client only in case he opts for "Group Mediclaim Policy". Unlike the individual policy, where a family (Husband / Wife / children) is covered for the Sum Assured so desired, independent of each other, and pays the premium accordingly, in a Floater - a float amount is shared by the family members Or by the employee families.

Simply visit any of the nearest Future Generali Branch and we'll guide you or you may call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 and we shall arrange one of our sales specialist to co-ordinate with you in process of renewal of your policy.

Simply send SMS as REN to 9222211100 or call our helpline number 1800-220-233 /1860-500-3333 / 022-67837800 to pay your renewal premium through secured and safest online payment gateway using credit/debit/net banking service. You can also visitat your nearest Future Generali Branch.

Yes “No Claim Bonus” can be transferred to another insurance company provided the date of inception of the new policy is within 90 days from the expiry of the old policy on which the NCB has been accrued.

A free-look is a 15-day period from the date of receiving the policy document. This period allows you the right to examine the insurance policy and opt out if you are not satisfied with any conditions or features mentioned in the policy. This facility is available only under Individual Health and Individual Personal Accident insurances.

During this period, one can cancel the policy or ask for a change in its features. In case one opts out, the premium paid will be refunded after deductions for expenses like those for a medical examination, cost of proportionate risk cover, stamp duty, etc.

You can request to cancel the policy by providing us a request to cancel the policy which should mention the following

Insured’s name(s) – the name of the people that are insured under the policy

The policy number
Reasons for cancellation
The date you wish the policy cancelled
All policy holder signatures – everyone listed on the policy needs to sign consent
In case of a motor policy if the vehicle is still in possession and owned by the insured he needs to provide a valid copy of valid insurance from any other insurance companyThe cancellation and refund shall be processed as per the terms and conditions mentioned in the policy wordings.

No Claim Bonus (NCB) is the benefit accrued to an insured for not making any claims during the previous policy period.  As per current norms in India, it ranges from 20% on the Own Damage premium (and not on Liability premium) and progressively increases to a maximum of 50%.

If, however, a claim is lodged, the No Claim Bonus is lost in the subsequent policy period.

NCB is given to the insured and not to the insured vehicle. Hence, on transfer of the vehicle, the insurance policy can be transferred to new owner but not the NCB. The new owner has to pay the difference on account of NCB for the balance policy period. The original owner can, however, use the NCB on a new vehicle purchased by him.

On sale and transfer of vehicle the bonus can be transferred to the new car. The bonus can be kept on hold till a period, which is a maximum of three years and the benefit of the same can be used within three years on any car being bought in the same name.

The seller should take the no-claim bonus-reserving letter from its insurance company to be used for the next car. The buyer of the old car will not get any benefit of no-claim bonus on purchase of the car.

You, anytime before the commencement of the proposed journey may cancel this Policy by giving notice in writing to us as long as you are able to establish to our satisfaction that the proposed journey has not commenced. For more details refer to the product’s policy wordings.

You can extend your travel insurance if your trip lasts longer than expected. This service is available both for Multi Travel and Single Trip customers who want to add extra days to the insurance subject to underwriting approval.

Request should be received up to 7 days prior to expiry of the earlier policy period.

No claims and Good health declaration from the insured can be mailed to fgcare@futuregenerali.in

All you need to submit is a signed proposal form - in certain cases, with some additional documents like your previous insurance policy copy or copy of your RC book etc, if applicable. Once that is accepted by us, you just have to pay your premium in full, by cash or cheque.

Simply visit any of the nearest Future Generali Branch. Click here to locate nearest branch. 

We will conduct an inspection of your vehicle. You need to submit the below documents;
-          Existing Policy Copy
-          No Objection Certificate from the previous owner of the policy
-          Registration Certificate reflecting the transfer of ownership. In case same is unavailable Copy of stamped Form 29 & 30 which is submitted to RTO & the Transfer fee receipt which is issued by RTO.
-          Transfer Fee of Rs. 50/- + GST
-          You need to pay the No Claim Bonus (NCB) different amount. We will inform you the amount once you visit.

Simply send scanned copy of your vehicle registration certificate confirming correct details at fgcare@futuregenerali.in and we will process your request. In some cases it may involve payment of an additional premium for eg: CNG kit updation. You can also call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 and we will guide you

Kindly go through the policy document carefully. In case you may need any assistance please call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 so that we can assist you.

Once your payment is received and updated in our system it would take a maximum of 7-10 working days for you to receive your policy documents. A soft copy of the documents will be sent to your registered email address as soon as the policy is issued in our system.

Simply call our helpline number 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100 and we'll guide you. Once you are verified as an insured or an authorized person of the insured we shall place a request to update your contact details.

Suggestion:- If you can take complete claim procedure from claims team or get this vetted from Claims team

If any person is injured in the accident, attend to the person first. Give him the necessary first aid. Arrange to shift the injured to hospital. Inform police about the accident.

Contact us to inform of the accident. You can reach us conveniently by using any of the following modes:

Help Lines:1800-220-233, 1860-500-3333, 022-67837800

Email Id:fgcare@futuregenerali.in

Website:www.futuregenerali.in

SMSSMS "MOTORCLAIM" to 9222211100

KINDLY KEEP FOLLOWING INFORMATION READY BEFORE INTIMATING THE LOSS:

Complete policy number
insured Name and contact number
Name of the driver driving the vehicle at the time of accident
Place of accident
Vehicle registration number
Vehicle type & model
Brief description of accident
Date and time of accident
Current location of the vehicle

**Call our call centre immediately before moving the vehicle to garage. On receipt of claim intimation we will depute the surveyor to assess the loss. Surveyor will get in touch with you.

HAND OVER DOCUMENTS TO SURVEYOR / GARAGE

OWN DAMAGE CLAIMS – PRIVATE VEHICLE & TWO WHEELER
Claim Intimation
Policy Copy
Claim form
Copy of RC book
Copy of Driving License
Estimate
Photos
Survey Report
Survey Fees Bills
Supplementary Report / Re-inspection report
Final repair invoice and receipt / Satisfaction voucher for cashless payment

OWN DAMAGE CLAIMS – COMMERCIAL VEHICLE

In addition to the document listed in section “Own Damage – Private Vehicle & Two Wheeler” following documents need to be collected.

Fitness Certificate
Permit
Claim form
Copy of FIR
Load Challan

THEFT CLAIMS

Claim intimation
Original policy
Claim form
Original Registration Certificate
FIR
Original set of keys
Original sales invoice & tax receipt
Intimation to RTO (to inform RTO that the vehicle is stolen and not to transfer)
Final report
Transfer papers
Indemnity bond
Subrogation letter
Please note foregoing list is indicative in nature. Further additional documents may be called depending on the nature of the claim.

KINDLY NOTE:

Shift the vehicle safely to the side of the road to avoid further damage or and intimate Future Generali Contact Centre for further advice.
Surveyor will inspect the vehicle at workshop. It is advisable to be present in workshop during surveyor's visit.
Provide requisite document to surveyor as mentioned above. Please furnish original documents for verification wherever required.
In case where vehicle is being repaired at Future Generali Convenient Workshops the payment will be made directly to the workshop and insured has to bear the difference amount as per policy conditions.
Information about the approved claim amount and deductions on account of depreciation/excess if any will be made available to the garage before delivery of the vehicle. Insured may ask for the same from repairer.
For all workshops except Future Generali Convenient Workshops, you are required to settle the bill with workshop and submit bills along with receipt to the Future Generali for claim settlement as per surveyor report.
Submit bill to the surveyor or Future Generali office for claim settlement as per surveyor report. Claim settlement will take approximately 7 days from the date of submission of final document(s), provided all document(s) are in order.

Do Not

Make any compromise with any third party in case of an accident involving third party.
Leave the vehicle unattended at the spot.
Proceed with accident repairs before the vehicle has been inspected by the surveyor.

We are committed to support you in the settlement process in a simple and hassle-free manner. You can report a claim using one of the below options available.

1. Intimate your claim online
2. Call us on our Customer Care Number: 1800-220-233, 1860-500-3333, 022-67837800
3. Email us at fgcare@futuregenerali.in