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Future Generali India Insurance Company was established in the year 2007. It is a joint venture between Future Group (a leading retailer in India) and the Generali Group (a global insurance group). Future Generali Health Insurance has 121 branches across India and offers comprehensive health insurance products to its customers.
Future Generali Health Insurance offers various types of Health Insurance for individuals, families, senior citizens, Critical illness, top-up, and super top-up health insurance plans that are designed to meet all the needs of the individual.
Continue reading to find out more about the company.
Choosing an ideal health insurance company is as important as choosing the perfect health insurance plans.
With 29 insurance companies available in the market, it is quite difficult to compare all the companies and choose the right plan.
Our experts have prepared a list of important factors such as Annual Premium, Network Hospitals, Solvency Ratio, and Claim Support, that are crucial to research on before purchasing a plan. The table highlights the key features of Future Generali Health Insurance Company for your benefit.
Annual Premium (2019-2020) | Rs. 381.96 Crores |
Solvency Ratio | 1.57 |
Claim Support (Settled within 3 months) | 93.34 |
Network Hospitals | 6000+ |
Pan India Presence | 125+ locations |
**Last Updated on March, 2022
Let us discuss these factors in detail.
The bar graph below shows the Annual Premium of Future Generali Health Insurance across India from 2016-2020. Let's have a look at this.
Another factor that one should consider while choosing a health insurance company is the solvency ratio of the company. IRDAI has mandated a solvency ratio of 1.5 for every insurer. As per the IRDAI reports, the solvency ratio of Future Generali is 1.57 for 2019-2020.
Here is a graph representing the trend of solvency ratio of Future Generali over the years 2016- 2020.
Before choosing an ideal insurance company, it is important to check the claim support of the company. As per the IRDAI reports, the claim support of Future Generali stands at 93.34% as of FY 2019-20.
To have a better understanding, have a look at the graph below, showcasing the claim support of Future Generali in the last few years:
Below is a graph to help you understand where Future Generali stands with other top companies when it comes to claim support. Have a look at the below graph.
With the benefit of a cashless facility, you don't have to spend money on your treatment, as all the expenses will be paid by the insurer itself. Future Generali has a tie-up with more than 6000 hospitals that are known as Network hospitals. You can visit a network hospital, get your treatment done and the insurer will directly settle the bill with the hospital.
Have a look at the below graph to get an idea of the available network hospitals of the top 10 health insurance companies.
To get a complete list of network hospitals of Future Generali, visit the Network Hospital page of PolicyX.com.
With their presence in more than 125+ locations, Future Generali Health Insurance company remains available for its customers' queries.
Future Generali Health Insurance offers various health products to cater to the healthcare needs of every individual. At present, Future Generali has come up with 13 health insurance plans. Have a look at the table below to get an insight into the types of plans offered.
Future Generali Health Insurance Plans | Type Of Plan | Why Should I buy it? |
Future Generali Comprehensive Health Insurance | Family Health Insurance | An ideal plan for those who are willing to cover their whole family under a single policy. |
Future Generali Personal Accident Insurance | Personal Accident Cover | A plan that secures a policyholder from the uncertainties of life. |
Future Varishta Bima Senior Citizen Insurance | Senior Citizen Health Insurance | A plan that covers the healthcare needs of senior citizens. |
Future Generali Vector Care Mosquito Insurance | Vector Care Plan | A plan that covers the expenses if an insured is diagnosed with dengue, malaria, etc. |
Future Generali Hospital Cash Insurance | Hospital cash | A plan that pays the cash to the patient's family to cover the miscellaneous expenses. |
Future Generali Arogya Sanjeevani Insurance | Standard Health Insurance | This is a standard health insurance plan that covers the healthcare needs of individuals without burdening the pockets. |
Future Generali Critical Illness Insurance | Critical Illness Plan | A plan that offers coverage against 12 critical illnesses. |
Future Generali Surakshit Loan Bima Insurance | Loan repayment Policy | A plan that helps a policyholder to repay their loans in case of any unfortunate incident. |
Future Generali Health Super Saver | Retail Health Insurance | A unique health plan that comes with the benefit of a super saver discount. |
Future Health Suraksha Insurance | Comprehensive Health Plan | A plan that offers comprehensive coverage to the entire family. |
Future Generali Health Surplus Top Up Health Insurance | Top-up Plan | Plans that act as a supplement to your basic health insurance plan. |
Future Advantage Top-Up Health Insurance | ||
Future Generali Aarogya Bima Insurance | Family Health Insurance | A plan that covers the entire family at affordable premiums. |
**Last Updated on March, 2022
Future Generali Comprehensive Health Insurance offers complete protection to the policyholder and their families. The plan comes out in three different variants- Vital, Superior, and Premiere. With the benefit of lifelong renewability, the plan is available under individual and floater options.
Eligibility Criteria:
Entry age | Day one - life long |
Policy tenure | 1 to 3 years |
Sum insured (in Rs) | Rs.3 Lakhs to 1 crore |
**Last Updated on March, 2022
Features:
What Is Covered Under Future Generali Comprehensive Health Insurance?
Vital | Superior | Premiere | |
Available Sum Insured Options | 3 Lakhs, 5 Lakhs, 10 Lakhs | 15 Lakhs, 20 Lakhs, 25 Lakhs | 50 Lakhs, 1 Crore |
Relations Covered | Self, Spouse, Dependent children (unmarried and up to the age of 25 years), Dependent parents | Self, spouse, dependent (unmarried and up to the age of 25 years) or non - dependent children, dependent or non - dependent parents, dependent siblings, daughter-in-law, son-in-law, parents-in-law, grandparents, and grandchildren (maximum up to 15 members). | |
Daycare treatment | Covered | Covered | Covered |
Pre-hospitalisation Expenses | Covered, up to 60 Days | Covered, up to 60 Days | Covered, up to 60 Days |
Post- Hospitalization Expenses | Covered, up to 90 Days | Covered, up to 120 Days | Covered, up to 180 Days |
Restoration of SI | Covered | Covered | Covered |
Maternity benefit - normal delivery (in Rs.) | Covered up to 25,000 (varies from the chosen SI option) | Covered up to 40,000 (varies from the chosen SI option) | Covered up to 50,000 |
Maternity benefit - LSCS (caesarian) (in Rs.) | Covered up to 45,000 (varies from the chosen SI option) | Covered up to 60,000 (varies from the chosen SI option) | Covered up to 1,00,000 |
Pre-natal hospitalisation (within maternity limits | Not Covered | Covered up to 90 Days | Covered up to 90 Days |
Post-natal hospitalisation (within maternity limits) | Not Covered | Covered up to 45 Days | Covered up to 45 Days |
Organ donor expenses | Covered | Covered | Covered |
Newborn baby benefits: Automatic cover within mother's / floater Sum Insured up to expiry date of the policy | Not Covered | Covered | Covered |
Medical treatment abroad | Not Covered | Not Covered | Covered, after 4 years of the waiting period |
Road ambulance charges - network hospitals (in Rs.) | Covered up to Rs. 1,500 | Covers the actual amount | Covers the actual amount |
E-Opinion for illness/injury (maximum 2 per policy year) | Covered | Covered | Covered |
**Last Updated on March, 2022
Future Generali Personal Accident Plan offers coverage to the policyholders against accidents until they recover and return to their routine lives. The plan comes with 13 add-on covers that allow the policyholders to enhance their protection. The available add-ons are:
Eligibility Criteria:
Entry age | Adults: 18 years to 70 years with renewability up to 70 years. Children: 3 years to 25 years can be covered as dependents. |
Policy term | 1 to 3 years |
Sum insured | Based on the monthly income **The maximum sum insured offered is 144 times the monthly income of the policyholder. |
**Last Updated on March, 2022
Features:
Future Varishta Bima offers the needful health cover until the last stage of the policyholder's life. The policy is available on an individual and family floater basis.
Eligibility Criteria:
Entry age | Minimum - 60 years Maximum - No limit |
Renewability | Lifelong |
Policy term | 1 to 3 years |
Sum insured | Rs.2 Lakhs to 10 Lakhs |
**Last Updated on March, 2022
Features:
Future Generali Vector Care Health Insurance provides a lump sum benefit in the case where the policyholder is diagnosed and hospitalized because of serious diseases caused by vectors like Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, and Zika Virus.
Eligibility Criteria:
Entry age | Minimum - 1 day Maximum - 65 years |
Policy term | 1 to 3 years |
Sum insured | Rs. 10,000, Rs. 25,000, Rs. 50,000, Rs. 75,000 |
**Last Updated on March, 2022
Features:
Future Generali Hospital Cash Insurance is a form of health insurance plan that provides a financial cover to deal with medical care bills during the hospitalization.
There are four subcategories of the Future Generali Hospital Cash Insurance:
Eligibility Criteria:
Age at Entry | 6 months to 65 years |
Free look period | 15 Days |
Renewability | Lifelong |
**Last Updated on March, 2022
Features:
Future Generali Arogya Sanjeevani Policy is a standard health insurance product that offers wider coverage to the entire family. The plan comes with individual and floater options and with Lifelong renewability.
Eligibility Criteria:
Entry age | Adults-18 years to 65 years Children- 3 months to 25 years |
Sum insured (in Rs.) | 50 Thousand, 1 Lakh, 1.5 Lakhs, 2 Lakhs, 2.5 Lakhs, 3 Lakhs, 3.5 Lakhs, 4 Lakhs, 4.5 Lakhs, 5 Lakhs, 5.5 Lakhs, 6 Lakhs, 6.5 Lakhs, 7 Lakhs, 7.5 Lakhs, 8 Lakhs, 8.5 Lakhs, 9 Lakhs, 9.5 Lakhs, 10 Lakhs. |
Renewal | Lifetime |
**Last Updated on March, 2022
Features:
Future Generali Critical Illness Insurance is a health protection plan that offers coverage against 12 listed critical illnesses.
Illnesses covered under the plan are:
Diagnosis of:
The surgical procedure of:
First-time occurrences such as:
Eligibility Criteria:
Entry age | Adults - 18 years to 65 years Children - 6 years to 25 years |
Sum insured | 1 Lakh to 50 Lakhs |
Policy term | 1 year |
**Last Updated on March, 2022
Features:
Future Generali Surakshit Loan Bima has been specifically designed for the loan borrowers of banks and financial institutions. It offers protection to you and your family against the difficulties you face at your loan repayment in case of any eventualities.
Eligibility Criteria:
Entry age | 18 years to 65 years |
Sum Insured | Rs.10,000 to Rs. 3,00,00,000 |
Renewal | Up to 70 years |
Policy Term | 1 to 3 years |
**Last Updated on March, 2022
Features:
Future Generali Surplus Top Up Health Insurance acts as a top-up to your existing health insurance cover. The plan is a supplement to your existing health insurance that covers your hospitalization expenses when your basic health insurance cover is exhausted. It is available on an individual and family floater basis.
Eligibility Criteria:
Entry age | Adults: 18 years to 65 years Children: 3 months to 25 years |
Sum insured (in Rs.) | Deductible per hospitalisation (Rs.) |
3 Lakhs | 2 Lakhs |
5 Lakhs | 2 Lakhs-3 Lakhs |
7 Lakhs | 3 Lakhs |
10 Lakhs | 5 Lakhs |
**Last Updated on March, 2022
Features:
Health Super Saver is a Retail Health Product that comes with 2 plan options: Health Super Saver 1X plan and Health Super Saver 2X plan. For every claim-free year, the plan offers an 80% discount in the consecutive year of the plan under the Health Super Saver 1X plan, whereas, under the Health Super Saver 2X plan, one can avail of an 80% discount for the next consecutive 2 years in the plan if the first 2 years of plan tenure are claim-free.
Eligibility Criteria:
Entry age | Adults: 18 to 70 years Children: From birth to 25 years |
Policy term | Annual Basis |
Sum insured | 3 Lakhs, 4 Lakhs, 5 Lakhs, 6 Lakhs, 10 Lakhs, 15 Lakhs, 20 Lakhs, 25 Lakhs, 50 Lakhs. |
**Last Updated on March, 2022
What Is Covered Under Future Generali Health Super Saver Plan
Pre-hospitalisation Expenses | Covered, up to 60 Days |
Post- Hospitalization Expenses | Covered, up to 90 Days |
Daycare treatment | Covered |
Maternity Expenses | Covered with a waiting period of 9 months, inclusive of Prenatal and Postnatal hospitalisation as per the plan opted under the Base Sub Limits |
AYUSH Treatment Expenses | Covered |
Emergency Ambulance | Maximum up to Rs. 1000 per hospitalisation |
**Last Updated on March, 2022
Future Health Suraksha Plan is a comprehensive health insurance product that protects you and your family in the hour of need. The plan comes out with various benefits to deal with the multiple needs of the policyholder.
Health Suraksha Insurance is divided into 4 different plans- Gold, Platinum, Topaz & Ruby.
Eligibility Criteria:
Entry age | Adults: 18 - 70 years with a lifetime renewal option Children: 90 days - 25 years |
Renewability | Lifelong |
Sum insured | Rs.50,000 to 10 lakhs |
**Last Updated on March, 2022
Features:
What Is Covered Under Future Health Suraksha Plan?
Plan Variants | Gold Plan | Platinum Plan | Topaz Plan | Ruby Plan |
Sum Insured options (in Rs.) | 50000, 1 L, 1.5 L, 2 L, 2.5 L, 3 L, 3.5 L, 4 L, 4.5 L, 5 L | 50000, 1 L, 1.5 L, 2 L, 2.5 L, 3 L, 3.5 L, 4 L, 4.5 L, 5 L | 1 L, 2 L, 3 L, 4 L, 5 L | 6 L, 7.5 L, 10 L |
Pre-hospitalisation Expenses | Covered, up to 60 Days | Covered, up to 60 Days | Covered, up to 60 Days | Covered, up to 60 Days |
Post- Hospitalization Expenses | Covered, up to 90 Days | Covered, up to 90 Days | Covered, up to 90 Days | Covered, up to 90 Days |
Hospital Cash Benefit | Not Available | Not Available | Not Available | Rs. 500 per day, up to 60 days |
Recharge Benefit | Not Available | Available | Available | Available |
Ambulance charges | Rs. 2000 per hospitalisation | Rs. 2000 per hospitalisation | Rs. 750 per hospitalisation and overall limit of Rs. 1500 per policy year | Rs.750 per hospitalisation and overall limit of Rs. 1500 per policy year |
**Last Updated on March, 2022
Future Advantage Top-up Health Insurance is a deductible health insurance plan that offers extra coverage and comes with a high sum insured option at a low premium.
There are 2 types of Future Advantage Top Up health insurance:
Supreme Plan: It offers coverage for all ailments.
Elite Plan: It offers coverage for cancer and heart-related ailment only.
Eligibility Criteria:
Entry age | 18 years - no limit |
Renewability | Lifelong |
Policy term | 1 to 3 years |
**Last Updated on March, 2022
Features:
Future Generali Aarogya Bima Insurance is specially designed to cover your whole family at an affordable price. The policy is available for both individuals and families.
Eligibility Criteria
Entry age | Adults- 18 to 70 years Children- From birth to 25 years |
Sum insured | Rs. 2, 3 & 5 Lakhs |
Renewal | Lifetime |
Policy Term | 1 to 3 years |
**Last Updated on March, 2022
Features:
Buying Future Generali Health Insurance is an easy and user-friendly process. You can directly visit the company's website and buy the desired health plan.
Note- To buy the offline health plans, reach out to your nearest Future Generali branch.
There are 2 types of health insurance claims one can make with Future Generali General Insurance. Let's take a look at them.
The policyholder can avail of the cashless facility at any network hospital of the Future Generali Health Insurance.
You have to pay all the bills in the first place and within 15 to 30 days of discharge from the hospital, you have to submit all the required documents such as medical bills, prescriptions, and the claim form to the TPA/Company to file a claim under the reimbursement process. Claims will be approved if everything falls under the terms and conditions of the policy.
Address:
Future Generali India Insurance Co Ltd.,
Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park,
L.B.S. Marg, Vikhroli (W),
Mumbai - 400 083.
Contact Number:
1800 220 233, 1860 500 3333, 022 67837800
Email Address:
fgcare@futuregenerali.in
You can also SMS 'keyword' to 9222211100
Below are the details of keywords you can use:
SERVE: For service requests
PRODUCT: For product queries
REN: For renewal related queries
Dr YSR Aarogyasri Scheme
June, 2022
Star Health Insurance Covered Diseases List
June, 2022
Non-Medical Expenses in Health Insurance
April, 2022
Having a Good Health Insurance Advisor
April, 2022
Health insurance is a must in traveling itinerary
April, 2022
Health Insurance Riders and their relevance
April, 2022
Difference Between Insurance and Assurance
April, 2022
100% Claim
Assistance
200000+
Customers
Lowest Price
Guarantee
Neutral
Advice
*Terms and Conditions May Apply
The list of documents required is mentioned below:
For downloading the claim form, you need to visit the official website of the company. Click on the link, and download.
Yes, one can avail tax benefits against the health insurance premium, under Section 80D Income-tax Act, 1961.
Pre-existing illnesses are covered after 48 months.
Under Future Hospital Cash, the maximum benefit available for an individual is Rs. 6,000 per day.
No, your premium will remain the same. However, if you want to enhance your coverage by adding any optional covers, or want to change your sum insured, then your premium will change.
The requirement of medical check-ups before buying the plan would depend on the age and sum insured of the policyholder.
You can check the policy status by visiting the official website. You need to create a profile initially and simply log in to e-Portal with the username and password then, you can get all the policy details under your profile.
Future Generali Health Insurance offers three ways for paying the premium to its customers.
You can cancel your policy by taking your policy documentation to the nearest branch office. You need to fill out the duly signed surrender form and submit the policy documents. The cancellation request would take 5 business days to process and the refund premium will be deposited. An intimation letter regarding the cancellation of your policy will be mailed to your registered address.
The freelook period offered by Future Generali Health Insurance is 15 days from the receipt of the policy.
(Showing latest 5 reviews only)
May 31, 2022
Vishwa Rao
HyderabadMarch 14, 2022
nimrat sondhi
Ludhianamy father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I trust this company completely as they have taken care of my father s medical bills so i recommend them
October 12, 2021
Somyak Handa
PuneIt has been an honour being with Furture generali for almost 10 years now...never goes back on their words. You can trust them to settle claims when in need
October 12, 2021
mangni Ram
AhmedabadVery amazing plans and helpful customer care service offered by Future Generali Insurance. I am impressed by the way this company works.
August 31, 2021
Sriparna Das
Dehradungot recommended this company by a friend. Very pleased to have associated with them. Got my bills settled quickly after my husband was hospitalzed recently! Thanks a bunch
Last updated on March, 2022
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One of the best health insurance companies available in India. In March 2021, my wife was diagnosed with Covid-19, and the company settled all my claims. Thank you Future Generali for helping and supporting me in such dire time.