Future Generali Health Insurance

Future Generali India Insurance is a joint venture of Future Group-a leading retailer of India and Generali Group-a global insurance group. With its presence in more than 125 branches across India, the insurer provides comprehensive insurance solutions to the customers and enterprises through personal, commercial, retail, and rural product offerings. The products offered by the insurer are health insurance, motor insurance, travel insurance, home insurance, personal accident insurance, lifestyle insurance, commercial insurance, social/rural insurance, and PMFBY. The company has a solid foundation with assets of more than Rs. 3,629 crore. It has a strong customer base and has sold more than 82 lakh policies across the country. The insurer is operating with a vision of actively protecting and enhancing people’s lives through its varied insurance products.

Future Generali India Insurance offers a wide range of health insurance products at affordable premiums for different sections of society. The insurer offers health insurance for individuals, families, senior citizens, disease-specific health insurance plan, top-up health insurance, and super top-up health insurance plans. The plans offer comprehensive coverage along with several benefits like tax benefits, free look period, grace period, and lifetime renewability benefit. All in all, the insurer offers insurance products that meet all the major health insurance requirements of an individual.

1. Future Generali Health Total Policy: Future Generali Health Total Policy is a comprehensive health insurance plan that is available in three variants, viz., Vital, Superior, and Premiere. People aged above one day can be covered on an individual as well as floater basis. There is no maximum age under this policy. Available for sum insured options ranging between Rs. 3 lakh and Rs. 1 crore, the minimum and maximum terms for which you can purchase the policy are 1 year and 3 years respectively. The policy covers you for expenses related to in-patient hospitalisation, pre-hospitalisation and post-hospitalisation, daycare treatments, newborn baby cover, wellness care, domiciliary treatment, road ambulance, alternative treatments, medical e-opinion, etc.

2. Future Criticare Policy: Future Criticare Policy keeps you and your family protected against medical expenses arising due to critical illnesses. People aged between 6 years and 65 years can be covered under this policy or sum insured options ranging between Rs. 1 lakh and Rs. 50 lakh. The policy provides you a lump sum benefit in the event of diagnosis or procedure of 12 critical illnesses including cancer, liver failure, kidney failure, and aorta graft surgery. You can purchase this policy on a floater basis and add yourself, spouse, up to two dependent children (until 25 years), and two dependent parents.

3. Future Hospicash Policy: Future Hospicash Policy covers you for any incidental expenses that your regular health insurance might not be covering. The policy provides you cash benefits in case you or your family member get hospitalised. You can be covered under this policy if you are aged between 6 years and 65 years. The plan covers you for ICU benefit within and outside the city of residence with twice and thrice of the per day benefits respectively, an additional convalescence benefit, and ICU benefit. You can purchase this policy on a floater basis and include self, spouse, and up to 2 dependent children under it.

4. Future Health Suraksha Policy: Future Health Suraksha Policy is available in 4 variants namely, Gold, Platinum, Topaz, and Ruby, and can be purchased on an individual as well as a family floater basis. The policy offers sum insured options ranging between Rs. 50,000 and Rs. 10 lakh. You can be covered under this policy if you are aged between 90 days and 70 years for a minimum policy term of 1 year and a maximum of 3 years. The policy offers you many coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, and organ donor expenses. Some variants of the plan also cover you for hospital cash and patient care expenses.

5. Future Varishta Bima Policy: Future Varishta Bima Policy takes care of the medical expenses for senior citizens. You can purchase this policy if you are aged above 60 years for sum insured options ranging between Rs. 2 lakh and Rs. 10 lakh and policy terms between 1 year and 3 years. You can include yourself and spouse under this policy and enjoy several coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, and free annual medical check-up. The policy can be renewed for a lifetime provided the premiums are paid timely before the policy expiration.

Health insurance premiums paid for Future Generali Health Insurance plans are subject to tax deduction under Section 80D of the Income Tax Act, 1961. You can enjoy the benefits for the number of years of the cover in case you pay the premium in one go. If you are a senior citizen, then you can avail of higher tax benefits as compared to those who are young. To understand the tax deductions better, refer to the table below:

Future Generali Health Insurance plans offer you the following benefits:

• Restoration of the Sum Assured: Future Generali Health Insurance plans offer automatic restoration of the sum insured if it gets exhausted on the claims made during a policy term.
• Quick Settlement of Claims: You can enjoy quick and transparent claim settlement under Future Generali Health Insurance plans.
• Wide Sum Insured Range: Future Generali Health Insurance plans offer a wide range of sum insured between Rs. 1 lakh and Rs. 1 crore that you can choose as per your requirement.
• Portability Benefit: You can switch to Future Generali Health Insurance plan in case you are not satisfied with your current health insurance policy offered by any other insurer.
• Lifetime Renewability: Future Generali Health Insurance plans are renewable for a lifetime provided you pay the renewal premium on time.

Future Generali Health Insurance plans cover you against the following healthcare expenses:

• In-Patient Hospitalisation Expenses: In-patient hospitalisation expenses are those medical expenses that are incurred during 24 hours of hospitalisation. These include room rent, nursing, boarding, oxygen, blood, anesthesia, Surgeon’s fees, etc. Future Generali Health Insurance plans provide you cover for such expenses.
• Pre-Hospitalisation And Post-Hospitalisation Expenses: Pre-hospitalisation and post-hospitalisation expenses are those which are incurred before and after hospitalisation. Future Generali Health Insurance plans cover you for such expenses for a specific number of days. These expenses may be incurred on several tests such as blood tests, urine tests, consulting fee, medicine costs. diagnostic charges, etc.
• Road Ambulance Expenses: Future Generali Health Insurance plans cover you for expenses related to domestic road ambulance services to the nearest hospital. The ambulance will have all the necessary facilities required during transportation of the patient.
• Expenses Related to Daycare Procedures: Daycare procedures are those medical treatments that, due to medical advancements, require hospitalisation of fewer than 24 hours. For instance, chemotherapy, radiology, cataract surgery etc. Future Generali Health Insurance plans cover you for expenses incurred on daycare procedures.
• Organ Donor Expenses: Future Generali Health Insurance plans offer cover for the expenses related to organ donor’s treatment for the harvesting of the organ.

What All Is Not Covered Under Future Generali Health Insurance Plans?

Future Generali Health insurance plans do not cover you against the following:

• Injuries Caused Due to War: Future Generali Health Insurance plans do not provide you cover against any injury that is caused directly or indirectly, arising from or attributable to war, act of foreign enemy, invasion or declared or non-declared act of war.
• Treatment of Illness(es) Arising Due to Consumption of Alcohol: Future Generali Health Insurance plans do not cover you against expenses incurred on treatment of any illness or diseases due to alcohol use, misuse or abuse, narcotic substance or drugs, whether prescribed or not.
• Expenses Incurred on Treatment of HIV/AIDS: Future Generali Health Insurance plans do not cover you against expenses related to treatment of AIDS and illnesses arising due to it.
• Injuries Caused Due to Self-Harm: Future Generali Health Insurance plans do not cover you against any injury caused due to attempt of suicide or any other activity with an intention of self-harm.
• Experimental or Unproven Treatments: Future Generali Health Insurance plans do not cover you against expenses for any treatment required for the purpose of experiment or a treatment which is unproven in nature.

Note that inclusions and exclusions vary with different Future Generali Health Insurance plans.

Future Generali Health Insurance plans are available with the following terms:

Note that different Future Generali health Insurance plans come with different features.

You can purchase Future Generali Health Insurance plans at InsuranceDekho in online as well as offline mode. Both of them offer you the utmost convenience.

Buy Future Generali Health Insurance Plan Online At InsuranceDekho

To buy Future Generali Health Insurance plans online, you can follow the simple steps given below. The process takes a few minutes.

Step 1: Visit insurancedekho.com. Click on the ‘health’ tab.
Step 2: Select your Gender and enter the personal details like Name and Mobile Number. You will receive an OTP on the provided mobile number. Please enter that.
Step 3: Tell us ‘When do you want to buy the policy’ by choosing the most relevant answer from the drop-down menu. Click on the ‘View Quotes’ button.
Step 4: Select your family members who you want to add to your health insurance policy. Click on the ‘Continue’ button.
Step 5: Select the age of the family members selected.
Step 6: Enter your Email ID and City. Click on the ‘Submit and View Quotes’ button. You will see the most suitable health insurance quotes on your screen. Shortlist the one you wish to buy.
Step 7: Select the policy term for the shortlisted health insurance plan. Fill in the required details. Pay the required health insurance premium online.

Buy Future Generali Health Insurance Plan Offline At InsuranceDekho

To buy Future Generali Health Insurance plans offline at InsuranceDekho, you will be required to share your requirements with our knowledgeable customer care executives. You can connect with them on the toll-free number 7551-196-989 any day between 9:30 AM to 6:30 PM.

You can also get your queries solved by writing to us at customersupport@insurancedekho.com.

Renewing your Future Generali Health Insurance plan is as important as buying it. You are required to pay renewal premium after your policy period in order to renew your health insurance policy. Health insurance renewal allows you to keep availing benefits under your health insurance policy. You can renew your Future Generali Health Insurance policy by following the steps given below:

Step 1: Visit the official website of Future Generali Health Insurance and click on ‘Renew’.

Step 2: Fill in your policy details and Click on ‘Renew’.

Step 3: Select the most suitable renewal quote for you.

Step 4: Pay online via a secured payment gateway.