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.
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Future Generali Comprehensive Health Insurance
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:
- To assist the insured with comprehensive benefits, the plan offers coverage against all hospitalization expenses associated with the treatment, pre-hospitalization medical expenses, daycare treatment expenses, post-hospitalization medical expenses, domiciliary hospitalization expenses, and organ donor expenses, among others.
- If the sum insured and the cumulative bonus (if any) is exhausted because of payable claims, the restored sum insured (equal to 100% of the Sum Insured) facility will be automatically available to the policyholder for the chosen policy year.
- Unlike other basic health insurance plans, it offers coverage against maternity expenses. The only condition is that the policyholder will be liable to avail the same only after the waiting period of two years.
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
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Future Generali Personal Accident Insurance
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:
- Child Education Support
- Accidental Medical Expenses
- Accidental Hospitalisation
- Hospital Cash Allowance
- Chauffeur Plan Benefit
- Life Support Benefit
- Road Ambulance Cover
- Air Ambulance Cover
- Adventure Sports Benefit
- Family Transportation Allowance
- Broken Bones
- Loan Protector
- Adaptation Allowance
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:
- The policy offers coverage to the policyholder in case of permanent total disability, permanent partial disability, temporary total disability, and death arising due to an accident.
- An amount up to a maximum of 1% of the sum insured (maximum Rs. 12,500) would be reimbursed for the repatriation of the policyholder's remains.
- The plan offers a 10% discount on the total premium if more than one member is covered under the same policy.
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Future Varishta Bima Senior Citizen Insurance
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:
- With this plan, a policyholder can get coverage for in-patient treatment like room rent and nursing expenses. Daycare treatment expenses, pre-hospitalization medical expenses, post-hospitalization medical expenses, and road ambulance charges are also covered.
- One can pay the premium amount with available options such as monthly, quarterly, and half-yearly payments.
- A long-term discount of up to 10% is applicable in the case of upfront premium payment for a long term policy.
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Future Generali Vector Care Mosquito Insurance
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:
- Different sum insured options are available - Rs.10,000, Rs. 25,000, Rs. 50,000 and Rs. 75,000.
- The plan offers coverage to an individual, spouse, 3 dependent children who are up to 25 years of age and unmarried, and 2 dependent parents.
- There is no need for a pre-acceptance medical examination test.
- A lump-sum payment of 100% will be made if the policyholder gets hospitalized due to any of the above-mentioned illnesses.
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Future Generali Hospital Cash Insurance
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:
- Plan A and Plan B - No income criteria for the policy seeker.
- Plan C - Monthly income of the policy seeker above Rs. 50,000.
- Plan D - Monthly income of the policy seeker above Rs. 75,000.
Eligibility Criteria:
| Age at Entry | 6 months to 65 years |
| Free look period | 15 Days |
| Renewability | Lifelong |
**Last Updated on March, 2022
Features:
- The plan offers ICU benefits for a maximum period of 10 days per hospitalization and a maximum of 20 days during the policy period.
- The convalescence benefit of Rs. 5,000 is paid to the policyholder or his/her family member if the hospitalization extends for more than 10 days.
- The insured person does not need to have an existing health insurance policy to invest in this plan.
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Future Generali Arogya Sanjeevani Insurance
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:
- One doesn't require to go for a pre-insurance medical examination up to 55 years of age.
- The plan offers coverage for the expenses incurred during the pre-hospitalization period of 30 days and a post-hospitalization period of 60 days.
- The plan provides Rs.40,000 or 25% of SI (whichever is lower) for cataract treatment in a policy year.
- The plan also offers coverage for treatment like Ayurveda, Yoga, and Naturopathy, Unani, Siddha, and Homeopathy.
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Future Generali Critical Illness Insurance
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:
- Cancer (cancer of specified severity)
- Kidney failure requiring regular dialysis
- Primary pulmonary arterial hypertension
- Liver failure
- Multiple sclerosis with persisting symptoms
The surgical procedure of:
- Major organ/bone marrow transplant
- Open chest CABG (coronary artery bypass graft)
- Aorta graft surgery
First-time occurrences such as:
- Stroke leading to permanent symptoms
- First heart attack (myocardial infarction) of specified severity
- Coma of specified severity
- Total blindness
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:
- The policyholders can choose to cover them or their family. Family members included under this plan are - self, spouse, and two dependent children.
- In the event of diagnosis on any of the listed critical illnesses, the policy will pay a lump sum benefit.
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Future Generali Surakshit Loan Bima Insurance
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:
- The plan offers accidental death and permanent total disability cover to the policyholder.
- Offers critical illness cover for the policyholder. The insurer will pay the expenses if the policyholder is diagnosed with any of the listed 18 critical illnesses.
- A discount of 10% will be applicable in case the insured does not opt for 'loss of job benefit' under the Future Generali Surakshit Loan Bima Insurance.
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Future Generali Health Surplus Top Up Health Insurance
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:
- No medical examination tests are required for individuals up to 55 years of age.
- Various in-patient expenses like medicines & drugs, diagnostic materials, and x-ray, operation theatre charges, consultants, specialists fees, etc. are covered under this plan.
- The plan also offers coverage to the expenses that are incurred during the pre-hospitalization and post-hospitalization within 60 days and 90 days respectively.
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Future Generali Health Super Saver
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
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Future Health Suraksha Insurance
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:
- If the sum insured of the insurance policy and the cumulative bonus is exhausted due to payable claims, a restored sum insured (equal to the 100% sum insured) will be automatically available to the policyholder.
- The plan will pay a 2.5% loyalty discount to those people who already have separate Future Generali Health Insurance Policies (other than Future Health Suraksha/ Personal Accident/ Travel).
- The plan also offers a long-term discount (up to 10%), which is applicable for upfront premium payment for the long-term policy.
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
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Future Advantage Top-Up Health Insurance
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:
- The plan is a supplement to boost the power of your existing insurance policy for a higher sum insured over and above the deductible limit.
- The policyholder will receive a 10% cumulative bonus for every claim-free year. This bonus is subject to a maximum of 50% of the base sum insured.
- In-patient expenses of the policyholder such as room rent, ICU charges, and nursing expenses (for a minimum period of 24 hours) are also covered.
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Future Generali Aarogya Bima Insurance
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:
- Get discounts on covering more than 2 family members under the same plan. And if the policyholder stays invested for a long duration, (s)he will receive a discount of 10%.
- Co-payment is available for each claim of hospital bills and receipts (except pre and post-hospitalization charges).
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.