Future Generali Health Insurance for Family

Health Total Mediclaim policy by Future Generali is a comprehensive retail health product. Available in the form of three different plans, namely, Vital, Superior, and Premiere, Health Total can be purchased on an individual as well as floater basis with the facility of lifelong renewability. The expenses covered under the plan include hospitalisation medical expenses, day care treatment expenses, pre & post-hospitalisation expenses, etc. While the minimum policy term is 1 year, the maximum policy term limit is 3 years.

Key Features

• Sum insured limit - Rs. 3 Lakh to Rs. 1 Crore
• Cashless treatment available at 5,000+ network hospitals
• Restoration of the sum insured covered
• Maternity expenses covered with a waiting period of 2 years
• Coverage for accidental hospitalisation
• Medical Treatment Abroad for the listed conditions (applicable to Premiere Plan)
• Emergency medical evacuation (Superior and Premiere plan)
• Out-patient medical expenses covered (Superior and Premiere plan), etc.​​

Scope of Coverage

• Hospitalisation medical expenses
• Pre-hospitalisation covered - 60 days (Vital, Superior & Premiere Plans)
• Post-hospitalisation cover - 90 days (Vital Plan), 120 days (Superior Plan), 180 days (Premiere Plan)
• Patient care
• Wellness care
• Road ambulance charges
• E-opinion in respect of an illness or injury and alternative treatment
• Newborn baby cover (applicable for Superior Plan and Premiere Plan)

Eligibility

For Health Total Mediclaim policy, while the minimum age at entry is 1 day, the maximum age at entry has no limit.

Exclusions

• External Congenital Anomaly and related Illness/ defect
• Cost of an annual health check-up
• Injury or illness caused due to war
• The treatment of obesity and other weight control programmes, services, and supplies
• Expenses due to the treatment of illness or injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs, etc.

Do you need detailed information about the plan? To explore insurer or product details and exclusions in depth, kindly refer to the policy wording. You can also contact experts at InsuranceDekho at 1800-1205-698.