Future Generali Health Insurance
Future Generali Health Insurance Company stands as your trusted companion as their commitment to safeguard you from any sort of medical emergencies.
Network hospitals
8430+
Claim settlement ratio
94.98%
Sum insured
Up to 6 Cr
No. of Plans
10
Solvency Ratio
1.8
Pan India Presence
121+
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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Anchita has over 6 years of experience in content marketing, insurance, and healthcare sectors. Her motto to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
Updated on Apr 08, 2025 8 min read
Future Generali Health Insurance Company
With 68 million customers and a 72,000-employee base, Future Generali is one of the largest global insurance providers. In 1821, the company was founded in Italy, and now it is operating in around 50 countries globally. The main reason Future Generali is on top is due to its fully integrated sustainability into all its strategic choices. Their main aim is to create value for all the stakeholders and build a more equitable and resilient society.
What does Future Generali Health Insurance do?
Future Generali is one of the top health insurance companies that provide health insurance products to the people. They offer several health insurance products related to individuals and families.
What are some of the
Features
that set Future Generali apart?
-
1
There is cashless hospitalization all over the country and the number is more than 8000.
-
2
The group was founded in 1821, but they started their insurance setup in 2006.
-
3
They have integrated sustainability into their strategic choices
-
4
It is a joint venture between Generali Group and Future Group.
-
5
Their main goal is to become lifetime partners with the customers.
Future Generali health insurance awards and accolades.
- 'ET Best Brands 2020 Award'
- 'Asia-Pacific Stevie Awards
- 'Best Product Launch PR Campaign of the Year'
- ET Now Sales Champion Award
- Golden Star Awards- Best Product Innovation
- 'Golden Star Awards-Claims Service Leader
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Best Selling Future Generali Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Super Saver Plan Entry Age - 18 to 70 years
Sum Insured - Up to 50 LRs.
Future Generali Health Suraksha Plan Entry Age - Child: 90 days - 25 years, Adult: 18 - 70 years
Sum Insured - Up to 10 LRs. 3383
-
Critical Illness Health Insurance
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Criticare Plan Entry Age - Min- 6 years, Max- 65 years
Sum Insured - Up to 50 LRs. 262
-
Senior Citizen Health Insurance
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Varishta Bima Policy Entry Age - 60 years to No Limit
Sum Insured - Up to 10 LRs. 10505
-
Top Up and Super Top Up
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Advantage Top-up Plan Entry Age - Adult: 18 years - No limit, Child: day 1 to 25 years
Sum Insured - Up to 1 CrRs. 704
-
Women Health Insurance
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Health PowHer Entry Age - Child: Day 1 - 25 Years, Adult: 18 - 65 Years
Sum Insured - Up to 1 CrRs. 8436
Key Features Of Future Generali Health Insurance
Let us take a look at some unique features of top-selling Future Generali Health Insurance policies:
For Individual and Family Health Insurance
Future Generali Super Saver Plan
Future Generali Super Saver health insurance policy provides additional healthcare benefits such as ICU, domiciliary treatment, etc.
Why Do We Recommend This?
- Avail maternity benefits
- Emergency ambulance services
- Domiciliary hospitalization cover is available
For Critical Illness Health Insurance
Future Generali Criticare Plan
The plan offers monetary benefits to take care of the medical and miscellaneous expenses in case you are diagnosed with any critical illnesses that are covered.
Why do we recommend this?
- Covers 12 kinds of critical illness.
- Covers up to 6 members of the family.
- No pre-policy check-up is required up to the age of 45 years.
For Senior Citizen Health Insurance
Future Generali Varishta Bima Policy
Future Generali Varishta Bima is a specially designed health insurance plan for senior citizens that protects them from financial loss and offers them access to quality healthcare.
Why do we recommend this?
- Room rent covered
- Daycare treatment covered
- Cataract covered
For Top Up and Super Top Up
Future Generali Advantage Top-up Plan
The Future Generali Advantage top-up health insurance policy comes in two variants; Supreme and Elite, which provide additional protection alongside your base health cover when undergoing expensive medical treatment.
Why do we recommend this?
- Family discount
- ICU charges covered
- Ambulance charges cover
For Women Health Insurance
Future Generali Health PowHer
This female-centric plan is enough to safeguard a woman against all kinds of external, internal, physical, and hormonal imbalances. Preventive screenings, wellness programs, mental wellness support, menstrual care, nutritional advice, and specialized maternity (pre and post-phases) covers are the major features of Health PowHER.
Why do we recommend this?
- Surgical cost
- Critical illness cover
- Accident death benefit
Explore other Future Generali Health Insurance
To cater to the different medical needs of an individual & their family, Future Generali Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Future Generali Health Insurance plans explore more:
Individual and Family Health Insurance
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If policyholders ...
Unique Features
- 80% premium discount
- Family coverage
- Maternity coverage
Future Generali Super Saver Plan (Pros)
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Super Saver Plan (Cons)
- Vaccination unavailable
- Automatic restoration
- Daily hospital cash
- Health check-up unavailable
Future Generali Super Saver Plan (Other Benefits)
- Pre & post-hospitalization
- Daycare procedures
- Cataract cover
- ICU charges covered
Future Generali Super Saver Plan (Eligibility Criteria)
- 18 to 70 years
Critical Illness Health Insurance
When it comes to life-threatening conditions, your family is not alone! What does that mean? According to a report of Elets BFSI, the major reason for...
Unique Features
- Critical illness cover
- Exhaustive cover benefits
- Lump sum payout options
Future Generali Criticare Plan (Pros)
- Covers cancer
- Kidney and liver failure
- Primary pulmonary arterial hypertension
Future Generali Criticare Plan (Cons)
- Any PEDs or related medical conditions
- Unnecessary or non-prescribed medical treatment
- Maternity complications and external or internal congenital illnesses
- Infertility and sterility treatment expenses
Future Generali Criticare Plan (Other Benefits)
- Multiple sclerosis
- Major organ transplant
- Open chest CABG
Future Generali Criticare Plan (Eligibility Criteria)
- Entry Age- Child: 6-25 years
- Adult: 18-65 years
- Initial waiting period: 90 days
- Policy term: 1/2/3 years
Senior Citizen Health Insurance
Enjoy every moment of your senior citizenship with Future Varishta Bima for senior citizens! Future Generali Varishta Bima policy is a specially desig...
Unique Features
- Annual health check-up
- In-patient treatment expenses
- Multiple discount options
Future Generali Varishta Bima Policy (Pros)
- Room rent
- Pre-hospitalisation
- Post hospitalisation
- Day care treatment
Future Generali Varishta Bima Policy (Cons)
- ICU charges
- Domiciliary hospitalition
- OPD charges
- Organ donor
Future Generali Varishta Bima Policy (Other Benefits)
- AYUSH treatment covered
- Modern treatment
- Health check-up
- Co-payment
Future Generali Varishta Bima Policy (Eligibility Criteria)
- Min entry age: 65 Years
- Max entry age: No Limit
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Individual and Family Health Insurance
Protect your family's health affordably with the Future Health Suraksha policy. It has become normal to get hospitalised due to an accidental injury o...
Unique Features
- Free health check-ups
- Compassionate travel
- No pre-policy upto 50 years
Future Generali Health Suraksha Plan (Pros)
- ICU charges
- Pre-hospitalisation
- Post-hospitalisation
- Daycare treatment
Future Generali Health Suraksha Plan (Cons)
- Domiciliary hospitalisation
- OPD charges
- Maternity cover
- Newborn baby cover
Future Generali Health Suraksha Plan (Other Benefits)
- Cataract
- No claim bonus
- Automatic restoration
- Organ donor
Future Generali Health Suraksha Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 10 L
Top Up and Super Top Up
Get more coverage on your insurance, and enjoy more protection with a top-up today! The Future Generali Advantage top-up health insurance policy comes...
Unique Features
- Mental illness coverage
- Nursing expenses cover
- Affordable premiums
Future Generali Advantage Top-up Plan (Pros)
- Room rent
- ICU charges
- Pre and post hospitalisation
- Daycare treatment
Future Generali Advantage Top-up Plan (Cons)
- Domiciliary hospitalisation
- OPD charges
- Automatic restoration
Future Generali Advantage Top-up Plan (Other Benefits)
- Organ donor
- AYUSH treatment
- Ambulance coverage
Future Generali Advantage Top-up Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 1 Cr
Individual and Family Health Insurance
There should be no boundaries when it comes to your health! Future Generali Health Elite plan offers your premium healthcare benefits globally t...
Unique Features
- Holistic wellness cover
- Maternity benefits
- Global medical treatment
Future Generali Health Elite Plan (Pros)
- Room rent covered
- ICU charges
- Pre and post hospitalisation
- Domiciliary hospitalisation
- Daycare treatment
Future Generali Health Elite Plan (Cons)
- Congenital diseases
- Change of gender treatment
- Sterility and infertility treatment
Future Generali Health Elite Plan (Other Benefits)
- Cataract covered
- No claim bonus
- Automatic restoration
- Organ donor covered
Future Generali Health Elite Plan (Eligibility Criteria)
- Min entry age: 18 Years
- Max entry age: 65 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 6 Cr
Individual and Family Health Insurance
Build your health plan, your way! Yes, you heard that right. You can now customize and create your own health insurance with D.I.Y Health Insurance. I...
Unique Features
- Freedom to choose benefits
- Multiple add-on cover options
- Gender reassignment surgery
Future Generali D.I.Y. Health Insurance (Pros)
- Room rent
- ICU charges
- Pre and post hopitalisation
Future Generali D.I.Y. Health Insurance (Cons)
- Investigation and evaluation
- Rest cure and rehabilitation; and respite care
- Obesity and weight control management
- Sterility and infertility treatments
Future Generali D.I.Y. Health Insurance (Other Benefits)
- Domiciliary hospitalisation
- Daycare treatment
- OPD charges
- Cataract
Future Generali D.I.Y. Health Insurance (Eligibility Criteria)
- Min entry age: 17 Years
- Max entry age: 70 Years
- Initial Waiting Period: 30 Days
- Sum Insured: Up to 15 L
Women Health Insurance
Don't be +1 everywhere: Embrace the powers of Health PowHer!' HEALTH POWHER is not just your ordinary health insurance plan, it's beyond that! Read fu...
Unique Features
- Infertility treatment cover
- Voluntary sterilization benefits
- Puberty & menopause disorders
Future Generali Health PowHer (Pros)
- Wellness benefits
- Critical illness cover
- Women-related cancer cover
- Temporary domestic help
- Infertility expenses
Future Generali Health PowHer (Cons)
- Change of gender treatments
- Hazardous or adventure sports
- Non-medical expenses
- Breach of law
Future Generali Health PowHer (Other Benefits)
- Voluntary copay cover
- Stem cell storage
- Sum insured restoration
- Miscarriage or medical termination
Future Generali Health PowHer (Eligibility Criteria)
- Entry Age- 1 Day
- Max Entry Age - 65 Years
- SI - 5 L - 1 Crore
- Waiting Period - 30 Days
Individual and Family Health Insurance
Future Generali Health Absolute is a comprehensive health insurance plan with 3 plan variants and a wide range of sum insured. The plan offers a wide ...
Unique Features
- Up to 1 Cr SI
- 3 Plan Variants
- 10% Family Discount
Future Generali Health Absolute Plan (Pros)
- OPD charges
- AYUSH cover
- Maternity cover
- Newborn baby care
- modern treatment cover
Future Generali Health Absolute Plan (Cons)
- Domiciliary benefit
- Second medical opinion
- Air ambulance
- Compassionate travel
- Daily hospital cash
Future Generali Health Absolute Plan (Other Benefits)
- Pre & post-hospitalization
- Organ donor cover
- ICU charges
- Cataract treatment cover
Future Generali Health Absolute Plan (Eligibility Criteria)
- 18 years - No Limit
Individual and Family Health Insurance
Future Generali Health Total is a holistic comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family memb...
Unique Features
- SI Up to 1 Crore
- Family Discounts
- Avail Wellness Benefits
Future Generali Health Total Plan (Pros)
- Daily hospital cash
- Maternity cover
- Newborn baby care
- Modern treatment cover
- Global coverage
Future Generali Health Total Plan (Cons)
- OPD charges
- Second medical opinion
- IVF treatment
- Air ambulance cover
- Compassionate travel
Future Generali Health Total Plan (Other Benefits)
- Organ donor cover
- Family floater benefits
- E-consultations
- Daycare procedures cover
Future Generali Health Total Plan (Eligibility Criteria)
- Minimum- Day 1
- Maximum- No limit
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Future Generali Health Insurance Plans
Why Choose Future Generali Health Insurance Plans?
- Over 8000 network hospitals across India for cashless hospitalisation
- 24X7 customer support for queries, claims, etc.
- Coverage available for critical illnesses, domiciliary hospitalisation, daycare procedures
- Multiple plan options with comprehensive coverage for individuals, families, senior citizens, etc
- High sum insured options available
Factors to Consider While Buying A Health Insurance Policy
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the vital factors that you should consider before buying a health insurance policy:
-
Individual or Family Floater Plan
When choosing a plan your first step is to check whether your requirement is for you or your family. Family floater plans usually benefit those who want to secure their family as it is cheaper than the individual one. -
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. It is also necessary to choose a policy that offers maximum coverage amount for your health claims. -
Co-Payment Clause
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in. -
Network Hospitals
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities you might need in the future. -
Waiting Period
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illnesses as well, you need to check for that too. -
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options. -
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
What is Covered?
Pre and Post Hospitalization Expenses
The Company understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Future Generali Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Future Generali Health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Future Generali Health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Future Generali Health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Future Generali health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Future Generali Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Future Generali Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Future Generali Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Future Generali insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Waiting Period in Future Generali Health Insurance Company
Thewaiting period is the duration in which you have to wait from the date of policy issuance before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
Future Generali Health Insurance generally adds the following waiting periods:
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Pre-existing Disease Waiting Period
As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
Specific Diseases Waiting Period
This waiting period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
Maternity Benefit Waiting Period
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting Period
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Future Generali Health Insurance Network Hospital List
Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
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.
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Star Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.
How To Renew Future Generali Health Insurance Policy?
There are two ways to renew the policy. The customer can either visit the official website of the company or call customer care for guidance on offline renewal. Let us walk you through the process step by step:
- Step 1
Visit the official website of the company, then locate the "Renew" option at the top of the page.
- Step 2
After clicking on the Renew option, choose the type of insurance policy you want to renew. Now click on "Health Insurance".
- Step 3
This will redirect you to the page where you have to enter the "Policy Number" and "Date Of Birth".
- Step 4
This will take you to your dashboard. Here at this point, you can modify the plan such as SI or add any more benefits.
- Step 5
Now the company will provide different payment modes for the payment. Select your mode of payment and then click on "Pay".
- Step 6
The company will send an email and message to your mobile number for confirmation of the payment. Hence the renewal can be done online.
Connect with our insurance experts for Star health insurance policy renewal at 1800 - 4200 - 269
How to Claim?
To file a claim you need to follow below steps:
- Step 1
Show your Future Generali Health Card at the helpdesk of the hospital to the TPA.
- Step 2
Submit the duly filled and signed pre-authorization request form.
- Step 3
The TPA will send the form to the insurance company. The insurer will analyze the claim request.
- Step 4
After approval, the company will directly settle all the bills of the hospital.
- Step 5
On rejection, one can pay all the bills and later apply for reimbursement.
Documents required while filing the claim
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Port To Future Generali Health Insurance?
To port your existing policy to Future Generali Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Future Generali Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Health Insurance Premium Calculator
PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. You can input your details and check out some of the most suitable health insurance policies for your specific requirements. This is the easiest, most efficient, spam and gimmick-free way to buy health insurance today.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
Simran has over 3 years of experience in content marketing, insurance, and healthcare sectors. Her motto is to make health and term insurance simple for our readers has proven to make insurance lingos simple and easy to understand by our readers.
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