Future Generali Health Insurance for Senior Citizen

Future Varishta Bima is a health insurance plan, designed specifically for senior citizens. Offering extensive coverage to senior citizens with lifelong renewability. The plan can be availed on both, individual as well as family floater basis. The policy term is 1, 2 or 3 years. The plan covers in-patient treatment, pre-hospitalisation and post-hospitalisation medical expenses along with very many additional expenses of other kinds.

Key Features

• Vast sum insured range - Rs. 2 Lakh to Rs. 10 Lakh
• Cashless treatment available at 5,000+ network hospitals
• Installment option (monthly, quarterly, or half-yearly) with loading
• 50% co-payment for claim related to pre-existing diseases, 25% co-payment for all other claims
• Free annual medical check-up from 2nd year onwards
• No loading on premium for adverse claims experience
• Family discount in case of two or more family members
• A long-term discount of up to 10%, etc.

Scope of Coverage

• In-patient treatment
• Pre-hospitalisation (60 days) & post-hospitalisation (90 days) expenses covered
• Coverage for road ambulance expenses (up to Rs. 1,000 per hospitalisation)
• Daycare treatment expenses covered
• Road ambulance charges
• Free annual medical check-up
• 10% discount if the insured produces the latest medical reports within 15 days of the tests done
• 50% reimbursement of pre-insurance medical examination, etc.

Eligibility

For Future Varishta Bima, while the minimum entry age is 60 years, the maximum entry age is lifelong.

Exclusions

• Congenital External Illness/ disease/ defect anomaly
• Expenses incurred towards the treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs
• Hormone replacement therapy, sex change or treatment
• Injury or illness due to war
• All expenses related to Sexually Transmitted Diseases other than HIV/AIDS, etc.

Want to uncover more in detail about this senior citizen policy? For complete insurer or product details and exclusions, kindly refer to the policy wording. You can also get in touch with experts at InsuranceDekho at 1800-1205-698.