The complete guide about Future Generali Health Insurance Plans is here. Future Generali Insurance Company provides many general insurance plans like Travel Insurance, Health Insurance, Home Insurance, and Car Insurance. Among all those, Future Generali Health Policy is necessary for every individual. There are different types of Future Generali Insurance Health Plans. In this article, you can get the brief details like benefits, features, etc. of all these plans.
Future Generali Health Insurance Plans
Future Generali Insurance is offering many plans to protect your health. The Future Generali Health Plan covers the surgical and medical expenses of an insured individual at the time of hospitalisation. In the case of illness or injury, the Future Generali Insurance company directly pays to the hospital/care provider of the individual or reimburses the expenses incurred. As the medical costs are increasing day by day, it is better to take any Future Generali Health Insurance to avoid the financial problem during hospitalisation.
Future Generali provides both Life Insurance and General Insurance Policies. There are 7 types of Future Generali Health Insurance Plans. It is difficult for an individual to choose a plan from all those Future Generali Health Plans. So, below we have provided the brief details like the review, features, benefits, inclusions, exclusions, etc. of all these plans. Check the details and take a Future Generali Health Medical Plan that satisfies your requirement.
- Comprehensive Plan.
- Future Health Suraksha Individual Plan.
- Future Health Suraksha Family Plan.
- Accident Suraksha Plan.
- Future Criticare Policy.
- Hospicash Plan.
- Health Surplus Plan.
Future Generali Comprehensive Health Plan
This Future Generali Comprehensive Health Insurance provides wide coverage with 3 different plans like *-. All these plans are available with individual and family floater option.
Features of Future Generali Comprehensive Health Total Plan
- If more than one person is covered under the policy, there is a Family discount of 10%.
- The Company will offer you a discount of 10% to 25% in premium if you opt for a voluntary deductible amount under the Policy.
- Facility of instalment payment is available monthly, half yearly, and quarterly if policies are on long term basis.
- For adverse claims experience, there will be no loading on premium.
- You can avail tax benefit under Section 80-D of the Income Tax Act on the premiums paid by any mode other than cash or DD.
- Copayments will apply to each and every admissible claim if an insured enters the policy at the age of 60 years and above.
Inclusions of Future Generali Comprehensive Plan
- It covers Hospitalization Medical Expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Day Care Treatment expenses, Domiciliary Hospitalisation Expenses, Organ Donor Expenses.
- When both husband and wife covered together, Maternity expenses covered with only two years of waiting period.
- Miscellaneous Coverages like Patient Care, Road Ambulance Charges, Accompanying Person, Wellness Care, E-Opinion regarding an Injury or Illness and Alternative Treatment.
- Out Patient Medical Expenses covered for Superior Plan and Premiere Plan.
- Medical expenses incurred on New Born Baby covered for Superior Plan and Premiere Plan.
- Charges incurred on vaccinations for a child less than 12 years of age included.
Exclusions of Future Generali Insurance Comprehensive Plan
- This plan excludes External Congenital Anomaly and related Illness.
- Medical expenses incurred under the influence of intoxicating liquor or drugs, alcohol use/misuse or abuse of alcohol, narcotic substance.
- Pre-existing diseases, Cataracts, Internal Congenital, BPH, DNS, Hernia, Fistulae, haemorrhoids, Hysterectomy, etc. not covered until the 24 consecutive months of continuous coverage have elapsed.
- Any illness that is diagnosable or diagnosed except those incurred as a result of Injury not covered until 30 days.
- Organ transplant, Gout, Rheumatoid Arthritis, age-related osteoarthritis, Joint replacement due to a degenerative condition, Osteoporosis, unless due to injury, etc. not covered until the 48 consecutive months of continuous coverage have elapsed.
Eligibility of Future Generali Comprehensive Insurance
| Entry Age: | Day One up to any age. |
| Maximum Sum Assured: | up to Rs. 1 Crore. |
| Medical Tests: | Medical examinations are required based on the plan: Vital, Superior and Premiere. |
| Policy Term: | 1 Year. |
| Renewal: | Life Long Renewal. |
For more information regarding this Future Generali Health Insurance, refer Future Comprehensive Health Plan Broucher.
Future Health Suraksha Individual Plan
If you take Future Health Suraksha Individual Plan, you don’t need to go too far to protect your health. Network hospitals of Future Generali across the nation will handle any medical problem that arises.
Features and Benefits of Future Health Suraksha Individual Plan
- In-house Cashless settlement.
- Quick settlement of claims.
- Innovative covers offered.
- No claim cumulative bonus.
- Portability: You can port your existing policy with the company to avail benefits and services.
- If you are not satisfied with the policy terms and conditions, you can cancel your policy within 51 days from the date of commencement of policy.
- You can renew your policy before 30 days from the date of expiry of the policy.
Coverages of Future Generali Health Suraksha Individual Plan
- Pre-Hospitalisation expenses covered upto 60 days before admission into the hospital.
- Post Hospitalisation expenses covered upto 90 days after discharge from the hospital.
- Ambulance service charges covered upto Rs. 15000/-.
- It covers over 130 Day Care Procedures.
- Pre-existing diseases are covered after 4 years of continuous renewal.
- Accompanying Person’s Expenses covered upto Rs. 500 per day.
- Patient Care Expenses covered upto Rs. 350 per day for those over 60 years.
Exclusions of Future Health Suraksha Individual Plan
- Medical expenses incurred under the influence of intoxicating liquor or drugs, alcohol use/misuse or abuse of alcohol, narcotic substance.
- Expenses incurred on Non-allopathic treatment not covered.
- Medical expenses incurred on Joint Replacement Surgery not covered until 3 years.
- It excludes the expenses incurred on Congenital Diseases.
- Also, the medical costs incurred on treatment related to AIDS not covered.
- Cataract, tumour and hernia not covered until 2 years from the commencement of policy and one year for surgeries/diseases like gallstones, renal stones.
Eligibility of Future Generali Health Suraksha Individual Policy
| Entry Age: |
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| Entry Age for Children: |
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| Maximum Sum Assured: |
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| Medical Tests: | Not required upto the age of 46 years. |
| Policy Term: | 1 Year. |
| Renewal: | Lifelong Renewal. |
For more information regarding this Future Generali Health Insurance, refer Future Health Suraksha Individual Policy Broucher.
Future Health Suraksha Family Plan
Future Health Suraksha Family Plan provides complete health protection to you and your family. In Future Health Suraksha Individual Plan, it covers each member of the family separately which is different from this family plan.
Features and Benefits of Future Generali Health Suraksha Family Plan
- You can port your existing policy with the company to avail benefits and services.
- If you are not satisfied with the policy terms and conditions, you can cancel your policy within 51 days from the date of commencement of policy.
- You can get a free health check-up at Future Generali’s empanelled diagnostic centres.
- You can renew your policy before 30 days from the date of expiry of the policy.
- In-house Cashless settlement.
- Quick settlement of claims.
- Innovative covers offered.
- No claim cumulative bonus.
Coverages of Future Health Suraksha Family Insurance Policy
- Pre-Hospitalisation expenses covered upto 60 days before admission into the hospital.
- Post Hospitalisation expenses covered upto 90 days after discharge from the hospital.
- It covers over 130 Day Care Procedures.
- Ambulance service charges covered upto Rs. 1500/-.
- Patient Care Expenses covered upto Rs. 350 per day for those over 60 years.
- Accompanying Person’s Expenses covered upto Rs. 500 per day.
Exclusions of Future Health Suraksha Family Plan
- It excludes any illness/disease contracted within 30 days from the commencement of the policy.
- Medical expenses incurred under the influence of intoxicating liquor, alcohol or drugs.
- Medical expenses incurred on Joint Replacement Surgery not covered until 3 years.
- Expenses incurred on Non-allopathic treatment not covered.
- It excludes the expenses incurred on Congenital Diseases.
- Cataract, tumour and hernia not covered until 2 years from the commencement of policy and one year for surgeries/diseases like gallstones, renal stones.
- Also, the medical costs incurred on treatment related to AIDS not covered.
Eligibility of Future Generali Health Suraksha Family Policy
| Entry Age: |
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| Entry Age for Children: |
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| Maximum Sum Assured: |
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| Medical Tests: | Not required upto the age of 45 years. |
| Policy Term: | 1 Year. |
| Renewal: | Lifelong Renewal. |
Furthermore, information regarding this Future Generali Health Insurance, refer Future Health Suraksha Family Policy Broucher.
Future Generali Accident Suraksha Plan
Accidents may happen unexpectedly and it may cause a serious injury or accidental death. At that time to avoid financial consequences for you and your family, Future Generali has introduced this Accident Suraksha Plan. Adults with age between 18 years to 70 years can take this policy. Lifetime renewal option is available.
For more information regarding this Future Generali Health Policy, refer Future Generali Accident Suraksha Plan Broucher.
Future Criticare Policy
This Future Criticare Policy is helpful when diagnosed with a critical illness. Adults with age between 18 years to 65 years can take this policy. Lifetime renewal option is available. It provides a lump sum benefit in the event of procedures or diagnosis for any of the critical illnesses mentioned in the policy document.
Furthermore, information regarding this Future Generali Health Insurance Policy, refer Future Criticare Policy Broucher.
Future Hospicash Plan
An individual who hasn’t saved that much money will face a problem during hospitalisation. We all know that our health is our wealth. So, to protect our health, it is better to take a Future Generali Hospicash Plan. It provides cash benefit in case of hospitalisation to avoid drain in your savings. Adults with age between 18 years to 65 years can take this policy. Lifetime renewal option is available.
For more information regarding this Future Generali Insurance Health Policy, refer Future Hospicash Plan Broucher.
Future Health Surplus Plan
This plan is mainly to cover the additional expenses with higher sum assured. Future Health Surplus Plan covers Hospitalisation Expenses not exceeding the opted sum insured. It also covers the Inpatient Expenses like Room expenses, board and nursing expenses for a minimum period of 24 hours. Adults with age between 18 years to 65 years can take this policy. Lifetime renewal option is available.
Furthermore, information regarding this Future Generali Health Policy, refer Future Health Surplus Plan Broucher.
Future Generali Medical Insurance – Buying Process
From all the above mentioned Future Generali Health Insurance plans, you can buy the required policy at the Future Generali Insurance Branch Office or contact the agent of Future Generali Insurance company. To buy a Future Generali Mediclaim Plan, a proposal form/application form is required. Some policies have the facility to buy through online. The documents that may be necessary to buy Future Generali Health Medical plans are,
- Application form.
- Address proof.
- A medical examination may be required in some cases, based on the age of the person and sum assured.
How to claim Future Generali General Insurance Health Plan?
Future Generali provides best Claim Services which ensures that all settlements are just and timely. To claim a Future Generali Health Plan follow the process mentioned below.
For Claim Intimation call 1860 500 3333 / 1800 220 233 or Send us an email on fgcare@futuregenerali.in
Cashless Claim Process
- Visit the Empanelled hospital.
- Present FGH health card.
- Avail Cashless facility as per policy coverage.
- After the patient is discharged, the hospital sends the bills to Future Generali Company.
- Finally, the Future Generali makes the payment to the hospital directly.
Reimbursement Claim Process
If the insured pays the expenses himself with the hospital and gives prior intimation about the treatment to the company, then later, he can claim for a reimbursement of those expenses. The process is as follows.
- If you visit the Non-empanelled hospital, make the payment directly to the hospital.
- You need to fill the claim form and submit to the nearest Future Generali Insurance office along with some documents.
- There will be Claim Scrutiny as per policy coverage.
- Finally, the Future Generali Company makes the payment to the Insured through NEFT.
Future Generali Health Plan Premium Calculator
If you want to calculate the premium amount or any other, you can make use of the Future Generali Insurance Premium Calculator. For calculation, the details that you may need to enter are,
- Name of the Policyholder.
- Email Id.
- Mobile Number.
- DOB (Date of Birth).
- Sum Assured.
How to renew Future Generali Health Policy?
The policy term of Future Generali Health Insurance Plans is 1 year. Each Future Generali Health Plan provides the lifelong renewal facility. After the completion of the policy term, if you want to continue the policy you can renew the Future Generali Medical Insurance plan. With the renewal, there will be many coverages because some diseases are covered only after the continuous renewal of some specified period.
You can renew through Online or Offline. If you want to renew through offline you have to visit the nearest Future Generali Insurance Branch office. This is a time taking process so it is better to follow the online process. The online procedure to renew the Future Generali Health Insurance is as follows.
- Visit the Future Generali Insurance website general.futuregenerali.in.
- On the top menu, you can find the ‘Renew’ option.
- Click on that and enter the Policy Number and other required details, if any.
- Click on proceed and make the Future Generali Health Insurance Renewal.
- At present, there is an online renewal option for only motor insurance. So visit the nearest Future Generali Insurance Branch with your policy document to renew your health insurance.