Future Generali Health Insurance

Future Vector Care Health Insurance

Future Vector Care Health Insurance is an effective health insurance plan that provides some benefit if in the case where the policyholder is diagnosed and hospitalized because of serious diseases which are caused by vectors like Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya and Zika Virus.

Features of Future Vector Care Health Insurance

• Sum Insured options available per person per annum are Rs. 10,000, Rs. 25,000, Rs. 50,000 and Rs. 75,000.
• Offers cover for an individual, spouse, children who are up to 25 years of age and unmarried (3 dependent children) and 2 dependent parents.
• There is no need for a pre-insurance medical examination test.
• A lump-sum payment of 100% will be made if the policyholder gets hospitalized.
• Premium amount paid by any mode (other than cash) for the Future Vector Care Health Insurance is eligible for tax relief as provided under Section 80D of the Income Tax Act.

Exclusions of Future Vector Care Health Insurance

• Any health disorder condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy term is not covered.
• Non-Allopathic treatment and hospitalization are excluded from the insurance plan.

Future Health Total Insurance Policy

Future Generali Health Total Mediclaim policy is a comprehensive health insurance plan that offers comprehensive coverage comprising of inbuilt basic coverage features, additional benefits and also optional riders. The plan comes in three variants offering different levels of Sum Assured.

Features of Future Health Total Insurance Policy

• Under the Health Total Mediclaim Insurance Policy offer Hospitalization Medical Expenses, Pre-hospitalization Medical Expenses, and Post-hospitalization Medical Expenses, Day Care Treatment expenses, Organ Donor Expenses, etc.
• If the sum assured of the insurance policy and the cumulative bonus is exhausted due to payable claims, a restore sum insured which is equal to the 100% sum insured will be automatically available for the policyholder. Please check the terms and conditions of your policy as well.
• In case of long term basis policies, the facility of installment payment is available monthly, quarterly and half-yearly to the policyholder

Future Health Total Insurance Policy offers 3 different plans

1. Vital Plan- It covers the individual, spouse and unmarried dependent children up to 25 years and dependent parents.

The sum assured in the vital plan is 3 lakh, 5 lakh, and 10 lakh.

The medical test of the policyholder up to 50 years is not required in the Vital Plan.

2. Superior plan: It covers the individual, spouse and unmarried dependent or non-dependent children up to 25 years and dependent or non-dependent parents, parents in law, dependent siblings, son in law, daughter in law, grandparents and grandparents.

The sum assured in the Superior plan is 15 lakh, 20 lakh, and 25 lakh.

The medical test of the policyholder from 18 years onwards is requiring in the Superior Plan.

3. Premiere plan: It covers the individual, spouse and unmarried dependent or non-dependent children up to 25 years and dependent or non-dependent parents, parents in law, dependent siblings, and son in law, daughter in law, grandparents and grandparents.

The sum assured in the Premiere plan is 50 lakh and 1 crore.

The medical test of the policyholder from 18 years onwards is requiring in the Premier Plan.

The Health Total Mediclaim Insurance Policy offers 3 different plans

Exclusion of the Health Total Mediclaim Insurance Policy

• Any policy cover is not offered to the policyholder if any illness is caused due to some toxic drugs/alcohol.
• Any therapy that is related to the sex change of the policyholder is not covered under the insurance policy.
• Any type of baby food, cold packs/hot packs, telephone charges are not covered under the health insurance plan.

Future Advantage Top Up Health Insurance

Future Advantage Top up Health Insurance is a deductible health insurance plan with high sum insured options that offer extra coverage at a low premium to the policyholder. The premium amount for the plan is low as compared to other traditional health insurance plans.

Features of Future Advantage Top Up Health Insurance

• 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. This is available on both an individual basis and a family floater basis.
• The policyholder is awarded the 10% cumulative bonus for every claim-free year. This bonus is subject to a maximum of 50% of the base sum insured.
• Inpatient Treatment of the policyholder such as Room rent, ICU charges, and nursing expenses for a minimum period of 24 hours is also covered.

There are 2 different Future Advantage Top Up health plans: Supreme Plan and Elite Plan.

Supreme Plan - It includes cover for all ailments including Heart-related conditions and Cancer.

Elite Plan - It includes cover for cancer and ailment related to Heart only

Eligibility of the Future Advantage Top Up Health Insurance

Minimum eligibility age of entry in the Future Advantage Top-up Health Insurance policy cover is 18 years while the maximum age is a lifetime for children; one can get cover for children from 1 year to 25 years.

Exclusions of the Future Advantage Top Up Health Insurance

• Expenses incurred towards the treatment of Illness or Injury arising out of alcohol or any in the toxic drug is excluded from the insurance policy.
• Any injury or illness that is directly or indirectly caused by attributable to war, invasion, any terrorist act or riot is not covered.

Future Health Suraksha Insurance Policy

In Future Health Suraksha Insurance Policy, the policyholder is awarded by 5% cumulative bonus for every claim-free year. This bonus is subject to a maximum of 50% of the base sum assured.

Health Suraksha Insurance Policy offers 4 different plans-

• Gold Plan- Under this plan, emergency ambulance cover is offered up to Rs. 2,000 per hospitalization.
• Platinum Plan- Under this plan, emergency ambulance cover is offered up to Rs. 2,000 per hospitalization.

The platinum plan offers the Hospital cash allowance facility to the policyholder.

• Topaz Plan- Under this plan, emergency ambulance cover is offered up to Rs. 750 per hospitalization and Rs. 1500 per policy period.
• Ruby Plan- Under this plan, emergency ambulance cover is offered up to Rs. 750 per hospitalization and Rs. 1500 per policy period.

Ruby Plan offers the Hospital cash allowance facility to the policyholder.

Features of Future Health Suraksha Insurance Policy

• Offers individual and floater cover with a lifelong renewal option.
• Pre-insurance, a medical examination is not required for any proposed, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean.
• The policyholder can enjoy 100% reimbursement of pre-insurance medical test charges, subject to policy issuance.
• In the individual plan, the policyholder along with the spouse, 4 dependent children up to the age of 25 years and 2 dependent parents can be included.
• Pre-acceptance medical tests are not required for all proposers up to the age of 45 years irrespective of the sum insured.
• In the family floater option, policyholders, spouse, and 3 dependent children up to the age of 25 years are covered.
• A loyalty discount of 2.5% is offered to the policyholder is offered if he/she already has a separate Retail Health insurance policy (other than Future Health Suraksha/Personal Accident/Travel) from Future Generali India Insurance Co. Ltd.

Exclusions of the Future Health Suraksha Insurance Policy

• Any medical expenses in connection with any type of gastric, stones in the urinary and biliary systems, surgery on ears/tonsils/adenoids within 12 months of policy are excluded.
• Costs except for allopathic that incurred on all methods of treatment including AYUSH treatments are excluded.

Future Generali Personal Accident Plan

Future Generali Personal Accident Plan offers coverage to the policyholder against any personal accident until the individual returns to routine life. We are never ready for accidents and their consequences, so why not opt for a special plan that focuses on travelers. There are 3 classes of the plan

Divisions of Future Generali Personal Accident Plan

• Class I : It covers accountants, lawyers, teachers, consulting engineers, architects, doctors, bankers, persons who are associated with administrative functions, persons who are associated with occupations of similar hazards.
• Class II : Builders, sales executives, contractors, and engineers associated with superintending functions only. people who are associated with manual labour (except those falling under group iii) cash-carrying employees, veterinary doctors, garage and motor mechanics, machine operators, paid drivers of motor cars and light motor vehicles, drivers of trucks or lorries and other heavy vehicles and many more.
• Class III : Persons who are working in underground mines, explosives, workers associated with electrical installation, jockeys, persons associated with racing on wheels,hand gliding, or horseback,ballooning, skiing, circus personnel, big game hunting,winter sports, mountaineering, ice hockey, river rafting, polo and persons among others.

Features of Future Generali Personal Accident Plan

• Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80D of the Income Tax Act.
• If you are a salaried persona than, you can avail a maximum 144 times sum insured of your total monthly income.
• Offers 15 days free lookup periods to the policyholder.
• The policyholder can renew the Future Generali Personal Accident Plan within 30 days from the date of the expiry of the policy.
• If one or more family person of the existing policyholder gets covered in the same plan then a discount of 10% is applicable.
• Covers the insured in case of permanent total disability, permanent partial disability, temporary total disability and death arising due to accident including disappearance and drowning.
• In case of accidental death or permanent total disablement, the sum insured mentioned against this benefit per month for the maximum period as stated in the policy schedule is paid towards your children's education benefit.
• In the event of accidental death or permanent total disablement, the sum insured mentioned against this benefit per month for the number of months mentioned in the schedule is paid via Future Generali Personal Accident Plan.

Exclusions of the Future Generali Personal Accident Plan

• Any harm or loss that occurs due to the suicidal attempt of an individual or intentional harm to the body is not covered in the Future Generali Personal Accident Plan.
• Any loss due to childbirth or pregnancy is also not covered

Future Generali Hospital Cash Insurance Plan

Future Generali Hospital Cash Insurance Plan will provide you with a cover to avoid the extra draining of money due to medical care and treatment purposes during pre and post-hospitalization.

• The ICU Benefit is available for a maximum period of 10 days per hospitalization and a maximum of 20 days during the policy period.
• There is an Additional Convalescence Benefit of Rs. 5000 if the hospitalization extends for more than 10 days which is also payable to the policyholder or his/her family member, once per hospitalization event.
• The insured person does not need to have a prior Mediclaim policy to avail of this hospital cash benefit.
• There are four subcategories of the Future Generali Hospital Cash Insurance Plan as follows:
• 1. Plan A and Plan B – there are no income criteria for the policy seeker.
  2. Plan C – income criteria of monthly income above Rs. 50,000 for the policy seeker.
  3. Plan D - income criteria of monthly income above Rs. 75,000 for the policy seeker.

Exclusions of the Future Generali Hospital Cash insurance policy

• Any Pre-existing diseases of the policyholder will be covered only after a waiting period of 48 months.
• Hospitalization for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments is excluded from the plan.
• Hospitalization for any mental illness or psychiatric illness is also not covered under the insurance plan.

Future Generali Critical Illness Insurance

Future Generali Critical Illness Insurance Policy is a protection plan against critical illnesses that are not easily curable and one suffering from these diseases has to face huge expenses to fight against illnesses.

The twelve critical illnesses that are covered with the Future Generali Critical Illness Insurance plan are as follows:

• Cancer (of specified severity)
• First heart attack (of specified severity)
• Coma (of specified severity)
• Total blindness
• Major Organ/bone marrow transplantation
• Kidney failure requiring regular dialysis
• Primary pulmonary hypertension
• Liver failure
• Multiple sclerosis
• Open chest CABG (coronary artery bypass graft)
• Surgery to aorta
• Stroke leading to permanent symptoms

Features of Future Generali Critical Illness Insurance Policy

• Policyholder up to 45 years age does not require any medical test to avail benefit of the Future Generali Critical Illness Insurance Policy.
• The customer can choose to cover him or herself along with his or her family members, that is, the spouse and two dependent children under the plan.
• In the event of diagnosis or procedures for any of the critical illnesses mentioned below, the Critical Care policy will pay a lump sum benefit. This is subject to a waiting period of 90 days from the date of policy commencement and the insured's survival for 28 days from the date of diagnosis or procedure.

Exclusions of the Future Generali Critical Illness Insurance Policy

• In case a critical illness has occurred before the period of insurance or within the first 90 days of the commencement of the insurance policy is not liable to make payment.
• If the diagnosis, medical treatment, signs or symptoms happens before the inception of the policy, then the policyholder will not get cover, unless such a condition is there in the proposal form that’s been endorsed.

Future Generali Top Up Health Insurance

Future Generali Top Up Health Insurance is the supplementary plan for the existing health insurance policy. Under this, the higher sum insured over and above a deductible limit. Future Generali Top Up Health insurance plan is available on the Individual and Family Floater Basis.

Features of Future Generali Top Up Health Insurance

• It works as additional protection to the policyholder’s health insurance policy.
• Medical tests required are not required up to 55 years ago.
• It also offers a 50% reimbursement of the test charges, if the policy seeker or his/her family members are insured with Future Generali Insurance.
• Various inpatient expenses like medicines & drugs, diagnostic materials, and x-ray, operation theatre charges, consultants, specialists fees, etc are also covered under the Future Generali Top Up Health Insurance plan.

Exclusions of the Future Generali Top Up Health Insurance plan

• Any damage due to natural calamities is excluded from the plan.
• Any loss or damage of any communication device such as a mobile phone is also not covered under the Future Generali Top Up Health Insurance plan.

Future Generali Surakshit loan Bima Insurance

The cost of living is so high in modern life that one finds it very important to maintain a good lifestyle with the basic income. There are many expenses such as buying own house, higher education, marriage, business investment,etc for which we have to take a loan. No matter whether the loan amount is more or less, there is always the worry of returning the loan amount. But, in the case of the untimely demise of the loan taker, job loss or any health issue, the loan repayment burden is transferred to the family.

Features of Future Generali Surakshit loan Bima Insurance

• The Future Generali Surakshit loan Bima Insurance is designed in such a way that the comprehensive protection is offered to the loan bearer. It helps the policyholder and his/ her family against the trauma you face for repayment of your loan in the event of unfortunate incidents.
• The Future Generali Surakshit loan Bima Insurance Policy provides the policyholder options of 5 (Five) plans namely Plan A, Plan B, Plan C, Plan D, Plan E with and without Loss of Job cover option.
• This plan also offers Personal Accident Cover – Accidental Death and Permanent Total Disability of the policyholder.
• Critical illness cover is also offered to the policyholder under the Future Generali Surakshit loan Bima Insurance.
• A discount of 10% will be applicable in case Loss of Job benefit does not opt under the Future Generali Surakshit loan Bima Insurance.

Exclusions in the Future Generali Top Up Health Insurance plan

• Any Damage to any Content of a Consumable Nature is excluded from the plan.
• Any loss or damage of any communication device such as a mobile phone is also not covered under the Future Generali Top Up Health Insurance plan.

Future Generali Aarogya Bima Insurance

Future Generali Aarogya Bima insurance plan is especially designed to cover your whole family at an effective price. This plan offers cover from Day 1 up to 70 years thenceforth entire life on a family floater or individual basis.

Features of Future Generali Aarogya Bima Insurance

• Discounts will be applicable on opting for individual sum assured option if more than 2 family members are covered under the plan.
• Premium payment can be done in installments on a monthly, quarterly or half-yearly basis.
• Co-payment is available for every claim on acceptable hospital bills and receipts except pre and post-hospitalization charges.
• No loading charges will apply to the premium amount in case of unfavorable claims raised.
• On paying premiums sincerely for a long time in the long term policy there will be a discount of 10%.

Exclusions in Future Generali Aarogya Bima Insurance

• Any hospitalization for investigation for diagnosis of a disease or illness.
• Maternity, pregnancy or infertility conditions are not covered under the plan.
• Homeopathy, Ayurvedic, Unani, Siddha treatments are included under the coverage of the policy.
• Suicide cases, STDs, AIDs, HIV, injured in any dangerous activities like a nuclear attack, war, riots, strikes are not covered by the plan.