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Future Generali Arogya Sanjeevani Health Insurance

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Future Generali Health Insurance
Arogya Sanjeevani Policy
Cashless Approval TATWithin 2 hours
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary Teleconsultation

About Future Generali Arogya Sanjeevani Health Insurance

Arogya Sanjeevani Policy offered by Future Generali India Insurance is a new health insurance product launched for the welfare of your complete family. An affordable medical insurance solution, this policy benefits you by covering expenses incurred on the medical treatment of illnesses and injuries requiring in-patient hospitalization. The coverage also includes modern methods of treatment. Laden with a wide range of benefits, this extraordinary policy is nothing less than a boon for your family.

Available on an indemnity basis, Future Generali Arogya Sanjeevani Policy can be purchased for a policy period of 1 year. As far as its eligibility age range is concerned, it lies between 3 months up to 65 years. Featuring a co-payment of 5% on all claims, the policy can be bought on either individual sum insured or family floater sum insured basis. The sum insured starts from Rs. 1 Lakh and goes up to Rs. 5 Lakh. The coverage offered under Arogya Sanjeevani Policy, Future Generali includes in-patient hospitalization cover, pre & post-hospitalization, expenses incurred for inpatient care treatment under Ayush, cataract treatment up to a certain limit, and daycare treatment cover. Besides, on paying policy premium, you will become eligible for tax relief under Section 80D of the Income Tax Act.

Read more: Arogya Sanjeevani Policy

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalization for AYUSH, up to sum insured
  • Road ambulance expenses, subject to a maximum of Rs. 2000 per hospitalization
  • Coverage for cataract surgery subject to a certain limit
  • 30 days pre & 60 days post-hospitalization
  • Day care procedures, up to 50% of sum insured
  • Nursing expenses, Operation theatre, and ICU expenses

What's Not Included

  • Treatment taken outside the country, i.e., India
  • Treatment related to the change of gender
  • Expenses traceable to childbirth except ectopic pregnancy
  • Expenses incurred on domiciliary hospitalization & OPD treatment
  • No cover for expenses incurred on diagnostic or investigative tests
  • Medical expenses due to nuclear, chemical or biological attack or weapons

8359 Future Generali Cashless Network Hospitals in India

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Arogya Sanjeevani Policy User Reviews

4.6
Rating based on
121 User reviews
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What users are saying
  • All
  • Cost-effective insurance plan

    The Arogya Sanjeevani is an economical and beneficial plan offered by the Future Generali. I wanted to buy a plan like this for a long time but my wait came to an end when I found it on InsuranceDekho. The platform suggested this plan based on my choices.

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    N
    By Neeraj Garg
    On: Jun 18, 2020
  • Great coverage offered

    I bought this Arogya Sanjeevani Plan from InsuranceDekho platform and got highly impressed with its coverage. It offers me coverage for in-patient hospitalisation, ambulance charges, AYUSH treatment, modern procedures and so on, which makes it an amazing plan.

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    H
    By Harsh
    On: Jun 17, 2020
  • Got the plan in no time

    This health insurance policy was issued to me in a few minutes at InsuranceDekho. The platform promises to issue the plan instantly after payment and it did exactly. I am very happy with their instant services.

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    O
    By Om Naresh Sharma
    On: Jun 15, 2020
  • Customise the plan easily

    At InsuranceDekho, I can easily customize my Arogya Sanjeevani Plan without any hassle. It offers me different options like add-ons, top-ups, and other benefits to modify the plan. I am quite satisfied with these types of solutions.

    Read More

    K
    By Karan Naresh
    On: Jun 14, 2020
  • Quality support available

    I got extraordinary experience while having the word with an InsuranceDekho customer care person. He told me all the benefits of different plans of different insurers including Arogya Sanjeevani Plan. It helped me make the purchase decision very easily.

    Read More

    A
    By Abhishek Prasad
    On: Jun 12, 2020
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Future Generali Arogya Sanjeevani Policy Brochure

  • 3.59 MB
  • PDF Document
  • Apr 22, 2020
Download PDF

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Arogya Sanjeevani Policy Health Insurance Plan

  • What is the maximum renewal age under Arogya Sanjeevani Policy, Future Generali?

    Arogya Sanjeevani Policy, Future Generali does not come with a maximum renewal age. It is renewable for lifetime.

  • I want to cover my family under Arogya Sanjeevani Policy, Future Generali? How many members can I cover?

    Under this policy, you can cover yourself along with your legally wedded spouse, parents, parents-in-law, and dependent children. Note that you can include your dependent children, whether natural or legally adopted if only they belong to the age group, ranging between 3 months up to 25 years. Also, if your child, above 18 years of age is financially independent, they won’t be considered eligible for coverage in the subsequent renewals.

  • What are the sum insured options I can go for under Arogya Sanjeevani Policy, Future Generali?

    According to your requirements, you can choose between Rs.1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

     

  • Will I have to undergo pre-acceptance medical test under Arogya Sanjeevani Policy, Future Generali?

    Arogya Sanjeevani Policy, Future Generali features mandatory pre-insurance medical examination if the insured is 56 years and above. Note that the insured individual is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

  • What are the modern treatment I can expect to avail under Arogya Sanjeevani Policy, Future Generali?

    Arogya Sanjeevani Policy, Future Generali, provides cover for up to 50% of the sum insured for methods such as Uterine Artery Embolization and HIFU, Oral chemotherapy, Balloon Sinuplasty, Deep Brain stimulation, Intra vitreal injections, Robotic surgeries, Immunotherapy, Bronchical Thermoplasty, Intra Operative Neuro Monitoring, Stereotactic radio surgeries, Vaporisation of the prostrate and Stem cell therapy.

  • Does Arogya Sanjeevani Policy, Future Generali cover Cumulative Bonus benefit?

    Yes! The policy provides an increase in sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured.

  • Is their any discount available under Arogya Sanjeevani Policy, Future Generali?

    Yes! The policy provides a family discount of 5% on covering more than 1 family member, under single proposal with individual sum insured.

  • Does Arogya Sanjeevani Policy, Future Generali allow premium payment in installments?

    Yes! Under Arogya Sanjeevani Policy, Future Generali, you can pay policy premium in monthly (5% loading on standard premiums), quarterly (4% loading on standard premiums), and half-early (3% loading on standard premiums) options.

  • Does Arogya Sanjeevani Policy, Future Generali feature loading on claim experience?

    No! There is no loading on premium for adverse claims experience under this policy.

  • What is the grace period and free-look period under Arogya Sanjeevani Policy, Future Generali?

    While the grace period is 30 days (yearly premium payment) and 15 days (other premium payment modes), the free-look period for the policy is 15 days from the date of receipt of the policy.

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