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Future Generali Corona Rakshak Health Insurance

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

About Future Generali Corona Rakshak Health Insurance

Corona Rakshak Health Insurance Plan offered by Future Generali General Insurance is a standard health insurance policy that provides a lump sum amount in case you are diagnosed and hospitalized due to COVID-19 infection. The lump-sum benefit equal to 100% of the sum insured opted shall be payable on being tested positive for COVID-19 and requiring hospitalization for at least a continuous period of 72 hours. Also, the positive diagnosis of COVID-19 should be conducted in a government authorised diagnostic centre.

To avail of this health insurance plan, a person should be between the age group of 18 years and 65 years. Also, a proposer with higher age can buy this policy for adult members of the family, without covering themselves. The sum insured options offered under this insurance policy are of Rs. 50,000, Rs. 1 lakh, Rs. 1.5 lakh, Rs. 2 lakh, and Rs. 2.5 lakh, which are available on an individual basis. This Corona Rakshak health insurance policy can be issued for three policy periods such as 3.5 months (i.e., 105 days), 6.5 months (i.e. 195 days), and 9.5 months (i.e. 285 days).

Also read: Coronavirus Health Insurance

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Key Inclusions and Exclusions of the Plan

What's Included

  • No pre-policy medical checkup is required
  • Different sum insured options up to Rs. 2.5 lakh available
  • Proposer can cover a family member without covering self
  • Lump-sum amount is offered equal to 100% of the sum insured
  • Multiple policy periods of 3.5 months, 6.5 months and 9.5 months

What's Not Included

  • Any diagnostic expenses not related to Covid-19
  • No coverage if an insured person travels to any restriction nation
  • Testing done at a diagnostic centre not authorised by the Government of India
  • Expenses related to diagnostics and evaluation purposes
  • Any claim requested within 15 days of the waiting period

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Future Generali Corona Rakshak Policy Brochure

  • 157.72 KB
  • PDF Document
  • Aug 05, 2020
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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 Corona Rakshak Policy Health Insurance Plan

  • What are the sum insured options offered under this Future Generali Corona Rakshak Health Insurance Policy?

    The sum insured options under this health insurance plan ranges from Rs. 50,000 to Rs. 2.5 lakh, in the multiples of 50,000. 

  • What are the policy terms of this health insurance plan?

    You can buy this Future Generali Corona Rakshak Health Insurance Policy for different policy terms such as 3.5 months (i.e. 105 days), 6.5 months (i.e. 195 days) and 9.5 months (i.e. 285 days).

  • What are the benefits of this Corona Rakshak Health Insurance Policy?

    The Corona Rakshak health insurance plan provides you with multiple sum insured options ranging from Rs. 50,000 to Rs. 2.5 lakh, which is given in lump sum on being diagnosed with COVID-19 and getting hospitalised for a minimum continuous period of 72 hours.

  • How many claims can I make under this Corona Rakshak policy in a policy year?

    This is a one time benefit offering health insurance plan. Its benefit is applicable for the entire policy term of the cover and shall be terminated upon the payment for one time only.

  • Can I earn tax benefits under this Future Generali Corona Rakshak Health Insurance Policy?

    Yes, the premium amount paid under this Future Generali Corona Rakshak health insurance policy is eligible for tax deduction under the section 80D of the Income Tax Act 1961.

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