Future Generali Health Total Health Insurance

If you're looking for comprehensive health coverage for yourself and your family, the Health Total Policy is the perfect solution! This plan not only covers all your medical expenses but also provides discounts, tax benefits, and co-payment options. Future Generali Health Total is a well-rounded retail health plan with extensive and long-term coverage. It is available for individuals and as a family floater policy, with the added advantage of lifetime renewability.

The Health Total plan takes care of pre-hospitalisation, post-hospitalisation, maternity expenses, procedures related to newborns, and more. It comes in three variants – Vital, Superior, and Premium, each offering different levels of sum assured.

One notable feature of this health insurance plan is the No Claim Bonus provided by Health Total. You can receive up to 100% of the sum insured as a bonus if there is no claim made during the preceding year. Overall, the Future Generali Health Total medical insurance plan stands out as an excellent choice.

Future Generali Health Total Health Insurance At a Glance

Coverage	Individual and Family Floater
Variants	Vital, Superior and Premium
Key Features	Plan Variants, Floater Option, etc.
Policy Term	1, 2 and 3 Years
Inclusion	Pre and Post-hospitalisation, Organ Transplant, and more
Exclusion	Illness from Alcohol, Illness from Birth, etc.
Renewability	Lifelong

Variants of Future Generali Health Total Health Insurance

The different types of variants of Health Total plan are as follows:

Features	Vital	Superior	Premier
Sum Insured	Rs. 3, 5 and 10 lakhs	Rs. 15, 20 and 25 lakhs	Rs. 50 lakhs and 1 crore
Post-hospitalisation	Covered for Up to 90 days	Covered for Up to 120 days	Covered for Up to 180 days
Daily Hospital Cash	Rs. 350 per day	Rs. 500 per day	Rs. 1000 per day
OPD Charges	Not Covered	Covered	Covered
Maternity Cover	Rs. 15k to 45k	Rs. 30-60K	Rs. 50k to 1 lakh
New Born Baby Cover	Not Covered	Covered	Covered

Key Features of Future Generali Health Total Health Insurance Plan

The following are the key features of the Future Generali Health Total Health Insurance Plan:

• Plan Variants: Choose from three plan variants - Vital, Superior, and Premier, each offering different Sum Assured levels. You have the flexibility to pick the one that suits your needs.
• Lifelong Renewability: This plan ensures that you can renew it for your entire life. It provides continuous coverage as long as you need it.
• No Medical Check-ups: For the first plan variant, Vital, there are no medical check-ups required until the age of 50, making it convenient for you to get coverage without the hassle of extensive health examinations.
• Floater Option: You have the advantage of extending the coverage to up to 15 family members with the Superior and Premier plans' floater options, ensuring comprehensive protection for your extended family.
• Sum Assured Restoration: The plan includes a Sum Assured restoration feature that replenishes the Sum Assured if it gets used up in any policy year. This ensures that you always have coverage when needed.
• No Age Limit: There is no upper limit on the entry age, allowing individuals of any age to enrol in the plan and enjoy its benefits.
• Sum Assured Increment: If you don't claim in any year, the Sum Assured increases by 50%, with a maximum increment capped at 100%. It rewards you for maintaining a healthy life.
• Accident Coverage Boost: In the event of hospitalisation due to an accident, the Sum Assured gets a 25% increase, up to a maximum of Rs.10 lakhs, providing extra financial support during challenging times.

Eligibility Criteria of Future Generali Health Total Health Insurance Plan

The eligibility criteria for the Future Generali Health Total Health Insurance plan are as follows:

Parametres	Eligibility Criteria
Minimum entry age	1 Day
Maximum entry age	No Age Limit
Initial Waiting Period	30 Days
Sum Insured	Rs. 3, 5, 10, 15, 20, 25, 50 lakhs and Rs. 1 crore
Premium Payment	Annually, Half-yearly, Quarterly or Monthly

Benefits of Future Generali Health Total Health Insurance Plan

This Future Generali health insurance plan offers the following benefits:

• Accumulated Rewards: For every year without any claims, the Sum Assured grows by 50%, reaching a maximum of a 100% increase. This cumulative bonus serves as a reward for maintaining a claim-free record.
• Transferability: If you're currently covered by another health insurance plan from a different provider and wish to switch to this Health Total plan, you can seamlessly port your existing policy. Just ensure to make the porting request at least 45 days before your current policy expires.
• Free Look Period: You have a 15-day Free Look Period, right after the policy is issued. This gives you time to carefully go through the policy terms and conditions. If you find anything unsatisfactory during this time, you can cancel the plan, and the premium paid will be refunded after deducting relevant charges like mortality charge, service tax, etc.
• Grace Period: A grace period of 30 days is provided for premium payment after the due date. During this period, your policy cover remains intact, giving you a bit of extra time to ensure timely payments without losing your coverage.
• Comprehensive Coverage: The Health Total plan offers extensive coverage, ensuring that various medical needs are addressed, and providing a safety net for you and your family.
• Tax Benefits and Discounts: Enjoy tax benefits and take advantage of multiple discounts offered with the Health Total plan, making it not only a wise health choice but a financially beneficial one too.

Inclusions of Future Generali Health Total Health Insurance Plan

Inclusions of the Future Generali Health Total Health Insurance are mentioned below:

• Coverage for your Loved Ones: You can protect up to 15 family members, depending on the plan you choose - Vital, Superior, or Premiere.
• Staying at the Hospital: All the costs during your hospital stay are covered, such as your room, surgery, and more.
• Quick Treatment: Expenses for treatments lasting less than 24 hours, like chemotherapy, dialysis, and cataract surgeries, are included.
• Pre-hospitalisation Expenses: All costs related to your treatment before your hospital stay, like follow-up visits, medications, and additional tests, are taken care of.
• Post-hospitalisation Expenses: Post-hospitalisation costs, such as follow-up visits, medications, and further diagnostic tests, are also covered.
• Organ Transplant Expenses: Expenses for organ surgery and storage are included.
• Domiciliary Hospitalisation Expenses: All expenses during at-home medical treatment for over three days are considered.
• Maternity Expenses: From prenatal to postnatal care, all maternity expenses are covered.
• Mental Illness Cover: Treatment expenses for mental health issues are included.
• Patient Care Expenses: Charges for patient care, including nursing services, are taken care of.
• Road Ambulance Charges: Road ambulance charges for emergency medical care are covered.
• Alternative Treatment: All costs for mainstream and accepted therapies like Ayurveda and Homeopathy are covered.
• Accidental Hospitalisation: Additional coverage in case of accidents requiring hospitalisation is provided.
• Seeking Professional Advice: Charges for professional consultations with doctors are included.
• Diagnostic Tests: All expenses for diagnosing illnesses, including tests and imaging exams, are covered.
• Child Vaccination: Vaccination expenses for your child up to one year after birth are covered.
• New Born Baby Expenses: All expenses for a newborn baby during hospitalisation from birth to 91 days are taken care of.
• Global Medical Support: Costs for seeking medical advice, diagnosis, care, or treatment abroad are included.
• Medication Support: Coverage for prescribed medications is provided.
• Dental Consultations: Expenses for dental consultations and diagnostics are covered up to 70%.

Exclusions of Future Generali Health Total Health Insurance Plan

The exclusions in this plan are as follows:

• Non-prescribed Medicines: The policy doesn't cover the cost of medicines that were not specifically prescribed by a doctor. If you buy medicines without a doctor's recommendation, the insurance won't reimburse those expenses.
• Illness from Alcohol or Drugs: Any health issues arising from the consumption of alcohol or drugs are not covered. This includes both short-term effects and long-term illnesses caused by substance abuse.
• Hormone Replacement Therapy: The insurance doesn't cover treatments involving the replacement of hormones.
• Congenital Disabilities or Illnesses from Birth: Conditions or illnesses that a person is born with, known as congenital issues, are not covered.
• Sex Change Treatment: Expenses related to sex change treatments, surgeries, or procedures are excluded.
• Injuries Due to War: The policy excludes medical expenses resulting from conflicts, acts of war, or related events.

Documents Required for Future Generali Health Total Health Insurance Plan

To purchase the Future Generali Health Total Health Insurance plan, make sure you have the following:

• Fill out the application form
• Bring your Aadhar card
• Carry your Passport
• Have your Voter ID ready
• Bring your Driver's License
• Don't forget your Birth Certificate
• Provide passport-sized photos
• In some cases, health check-up reports might be needed
• If asked, submit any extra documents requested by the insurance company

How to Buy Future Generali Health Total Health Insurance?

To purchase the Future Generali Health Total Health Insurance Plan, just follow these steps:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on "Health Insurance" in the "Insurance" tab.

Step 3: Select "Future Generali" from the list of health insurance companies.

Step 4: Choose the "Health Total" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Complete the online payment for the medical insurance premium.

Step 8: You will receive the policy document via email successfully.

Claim Process for Future Generali Health Total Health Insurance

You can claim your Future Generali Health Total Health Insurance policy through two methods:

Cashless Claim

• Visit a hospital partnered with Future Generali.
• Provide details about your Health Total plan and other necessary information.
• Complete and submit the required documents.
• The insurance company will directly settle the hospital expenses on your behalf.

Reimbursement Claim

• Choose a hospital within Future Generali's hospital's network.
• Pay for your medical bills at the selected hospital.
• Initiate a reimbursement claim on the insurance company's website.
• Fill out and submit the claim form for Future Generali Health Total Insurance with the necessary details.