Future Generali Health Insurance

Future Generali Health Insurance Company is a joint venture between the Future Group of industries, and Indian Company (its flagship chains in the supermarket sector viz. Food Bazaar, Big Bazaar and other retail stores that deal in fashion and electronics like Central, Home Town and E-Zone etc are well known) and Generali group, an Italy based Company. It offers various insurances like travel insurance, life insurance, home insurance and health insurance. Future Generali Health insurance offer an over all-rounder protection.

Coming to Health Insurance, the company carries a wide range of health insurance products that can easily deal with different needs of customers. The company understands the fact that it is not necessary that all health insurance needs of customers would be same, that's why the company comes out with different options to avail at affordable prices. So there is a plan for almost everyone.

Highlights of Future Generali Health Insurance

Types of Future Generali Health Insurance

1. Future Varishta Bima Health Insurance

Old age is an age at which even loved ones look at you with a sight of responsibility and as if you are a burden, hence it is very important to have a security to deal with any health illness issue at old age. Future Varishta Bima by Future Generali Health insurance plan is best for old age people.

Future Varishta Bima by Future Generali Health Insurance is a health insurance plan which is designed particularly for senior citizens. Anyone who is from 60 years age gets the benefit of the Future Varishta Bima cover to further continuous years till the lifetime of the policyholder. Future Varishta Bima is available on the individual and family floater basis.

Features of Future Varishta Bima Health Insurance

• Policyholder enjoys the Inpatient Treatment such as coverage for Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home under the Future Varishta Bima.
• Day Care Treatment expenses in which less than 24-hour hospitalisation is required, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses and road ambulance charges are also covered by Future Varishta Bima Policy.
• Policyholder enjoys free annual medical check-up care.
• Medical tests which are done at the empanelled diagnostic centre of Future Generali are valid for 30 days from the date of the test.
• One can pay the premium amount with easy options available as monthly, quarterly and half yearly payment.
• A Long-term discount up to 10% applicable in case of upfront premium payment for a long term policy is offered to the policyholder.
• Premium amount paid by any mode other than cash payment is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Exclusions Future Varishta Bima Insurance policy

• Any Injury or Illness that is caused by or arising from or attributable to war, invasion, act of a foreign enemy, war like operations is excluded from the Future Generali Future Varishta Bima plan.
• Any illness, diagnosed or diagnosable except those incurred as a result of Injury within the waiting period of 30 days is excluded from the Future Generali Future Varishta Bima plan.
• Any sex change treatment or any treatment which is in any way related to sex change, hormone replacement treatment is also excluded from the insurance.

2. Future Vector Care Health Insurance

Future Vector Care Health Insurance is a health insurance product that offers a lump sum benefit if in case the insured is diagnosed and hospitalised due to any serious diseases 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. 10000, Rs. 25000, Rs. 50000 and Rs. 75000.
• Future Vector Care Health Insurance offers cover for an individual, spouse, children who are up to 25 year age and unmarried (3 dependent children) and 2 dependent parents.
• In the Future Vector Care Health Insurance plan, No pre-insurance medical examination test is required to the policyholder, irrespective of the sum insured and age of the insured.
• 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 80-D 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 hospitalisation are excluded from the insurance plan.

3. Health Total Mediclaim Insurance Policy

Future Generali Health Total Mediclaim policy is basically a comprehensive health insurance plan that offers a 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 Health Total Mediclaim 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 and 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 instalment payment is available monthly, quarterly and half yearly to the policyholder

The Health Total Mediclaim 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.

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.

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.

Medical test of the policyholder from 18 years onwards is requiring in the Premiere 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.

4. Future Advantage Top Up Health Insurance

When it is about securing loved ones, then it is never just enough. You want to bring the whole universe and then you think about what next you can do next for your family. Same as that while buying a health insurance policy, we often question, Is this enough? Future Advantage Top up Health Insurance is the answer to your question.

Future Advantage Top Up Health Insurance is 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 Future Advantage Top Up health Insurance is low as compared to other traditional health insurance plan.

Features of Future Advantage Top Up Health Insurance

• Future Advantage Top Up health insurance 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 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.

5. Future Health Suraksha Insurance Policy

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

Health Suraksha Insurance Policy offers 4 different plans-

• Gold Plan- Under this plan, emergency ambulance cover is offered Up to 2000 per hospitalization.
• Platinum Plan- Under this plan, emergency ambulance cover is offered Up to 2000 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

• Future Health Suraksha Insurance Policy offers individual and floater cover with a lifelong renewal option.
• In the Future Health Suraksha Insurance Policy 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 tests charges, subject to policy issuance.
• In the individual Future Health Suraksha Insurance Policy policyholder, Spouse, up to 4 dependent children up to the age of 25 years and two dependent parents in the Individual Policy.
• 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 & up to 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 types of gastric, stones in the Urinary and Biliary systems, Surgery on ears/ tonsils/ adenoids within 12 months of policy is excluded.
• Costs except for Allopathic, that incurred on all methods of treatment including AYUSH treatments are excluded.

6. Future Generali Personal Accident Plan

Roads take you to your destination. But sometimes, due to accidents, the destination ends at the hospital bed. We are never ready for accidents and their sequences. Sometimes major accidents spare life and people in good condition. But, sometimes even a little hit on the road can paralyse the bossy or / and body parts. Accidents not only the slow pace of happiness but it also control economic happiness. Future Generali Personal Accident Plan offers a cover to the policyholder till he/ she returns back to job/ routine life. There are three classes of

Future Generali Personal Accident Plan

• Class I : It covers Accountants, Doctors, Lawyers, Architects, Consulting Engineers, Teachers, Bankers, Persons engaged in administrative functions, Persons primarily engaged in occupations of similar hazard
• Class II : Builders, Contractors, Sales executives and Engineers engaged in superintending functions only. All persons engaged in manual labour (Except those falling under Group III) Cash Carrying Employees, Garage and Motor Mechanics, Machine Operators, Veterinary Doctors, paid drivers of motor cars and light motor vehicles, Drivers of trucks or lorries and other heavy vehicles and persons engaged in occupations of similar hazard and not engaged in manual labour.
• Class III : persons Working in underground mines, explosives, magazines, workers involved in electrical installation with high tension supply, Jockeys, Circus personnel, Persons engaged in activities like racing on wheels or horseback, big game hunting, mountaineering, winter sports, skiing, ice hockey, ballooning, hand gliding, river rafting, polo and persons engaged in occupations/activities of similar hazard.

Features of Future Generali Personal Accident Plan

• Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D 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.
• Future Generali Personal Accident Plan 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 expiry of the policy.
• If one or more family person of the existing policyholder gets covered in the same Future Generali Personal Accident Plan than a family discount of 10%.
• Future Generali Personal Accident Plan covers the insured in case of Permanent Total Disability, Permanent Partial Disability, Temporary Total Disability & 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

7. Future Generali Hospital Cash Insurance Plan

We try to be an all-rounder and protect our family in every possible way. But, sometimes we fall in the hands of circumstances that there is no way out. While buying a Health insurance policy, if you do not check it properly that what all covers are being offered by the insurance company, then we may not get the cover we were expecting. Sometimes the regular health insurance policy will pay for the hospitalisation expenses there are many incidental expenses which may not be covered. Future Generali Hospital Cash Insurance Plan will provide you with a cover to avoid the extra draining of your money due to extra medical care.

• 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 hospitalisation event.
• The insured person does not need to have a prior Mediclaim policy in order to avail this Future Generali Hospital Cash policy plan
• There are four subcategories of the Future Generali Hospital Cash Insurance Plan. They are as follows:
• 1. Plan A and Plan B – there is 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.
• Hospitalisation for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments is excluded from the Future Generali Hospital Cash insurance plan.
• Hospitalisation for any mental illness or psychiatric illness is also not covered under the insurance plan.

8. Future Generali Critical Illness Insurance Policy

Medical treatment is skyrocketing now a day. Even for basic illness, one has to pay heavy money for complete treatment. This scenario gets even worse if the policyholder is suffering from some critical illness, medically, physically and above all economically. People don’t find it easy to cope with critical illness and look at it as a punishment. But, critical illness are just like other illness that one suffers from, so one has to positively be ready to face it. Future Generali Critical Illness Insurance Policy gives support and faith to a policyholder to face a critical illness.

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 Future Generali Critical Illness Insurance Policy.
• 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 a period of 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 prior to the period of insurance or within the first 90 days of the commencement of the insurance, the Future Generali Critical Illness Insurance Policy is not liable to make payment.
• If the diagnosis, medical treatment, signs or symptoms happens before the inception of the Future Generali Critical Illness Insurance Policy, then the policyholder will not get cover, unless such a condition is there in the proposal form that’s been endorsed.

9. Future Generali Top Up Health Insurance

Now a day health illness increases at a very fast pace. No matter how planned we try to be, regarding our health, there is something or other always left to deal with. Health insurance is the best option to walk one step ahead and be super ready to pace every illness. But, sometimes even when we are fully prepared for our future, some problems comes unannounced.

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 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.

10. Future Generali Surakshit loan Bima Insurance

Cost of living is so high in modern life that one finds 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 and 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 back the loan amount. But, in the case of the untimely demise of the loan taker, job loss or any health issue, the loan repay 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.

How to Buy Health Insurance Plan Online

It is very easy and simple to buy Future Generali Health Insurance online in following few steps-

• Get an Online Quote
  It takes just a few minutes to generate your quote online.
• Select policy type
  If you are looking for an individual health insurance plan, each individual of a family is entitled to a sum insured you opt. In a family floater, the sum insured is shared by all members of the family in the plan
• Fill in Your Proposal Form
  You need to fill in the proposal form and answer basic questions about your medical history before you can buy the policy.
• Review Your Proposal
  Review your quote and verify you have provided correct information including your nominee name and the premium you need to pay.
• Complete Your Purchase
  After you confirm your premium and agree to the terms conditions, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely and conveniently in easy steps and you’re done.
• Download Your Policy
  You can download your policy schedule and print it out. A copy of the policy is also sent to the email address you have provided during the time of registration.

Exclusions of Future Generali Health Insurance

Future Generali offers maximum cover to the policyholder, but there are few exclusions that one should take care of. Some general exclusions are -

• Any type of Pre-existing conditions for which the policyholder has received consultation or treatment before policy inception will not be covered until four consecutive years of the Future Generali Health Insurance policy years have passed.
• Ailments that arise within the first 30 days of the Future Generali Health Insurance Policy Inception is not covered
• Any type of Non-allopathic procedures is not covered under the Future Generali Health Insurance policy.
• Any sexually transmitted diseases such as HIV, AIDS and illnesses arising due to AIDS are not covered under the Future Generali Health Insurance policy.
• Congenital ailments are not covered under the health insurance policy.
• Any injury or loss that is caused due to participation in some dangerous sports, dangerous hobbies or occupation is also excluded from the health insurance policy.
• Illnesses or injuries that arise due to the intake of drugs or alcohol are not covered by the Future Generali Health Insurance policy.

Renewal of Future Generali Health Insurance

Health is a very important factor that enhances the growth of a person in every aspect of life. Personal, professional, social, emotional and economical, all type of growth is directly related to the health status of an individual. Sometimes, not only the health of a person but the health of his/her loved ones hinder this growth. It can be due to any reason. Even if we get some minute symptoms of upcoming major health problem, we are so busy in running fast for achieving our dreams and success in life that we do not want anything to hinder our pace. Hence, health signals towards upcoming major health problems are ignored and that results in a bigger and much serious problem later on. Then, we look for different measures to tackle it, mentally, physically and above all economically. to deal with all such things, you need a health insurance plan and above all its is highly important to renew the existing health insurance on time. Health insurance renewal is like a duty that you have to do at the right time to avail several additional benefits

You can pay your renewal any plan by visiting our compare page section or the company renewal section. By filling basic details and making premium payment online in 3 simple steps by using a Credit Card, Debit Card, or through Net Banking you can easily renew your existing health insurance plan.

• Step 1: Enter your policy number
• Step 2: View policy and premium information and confirm the details
• Step 3: Make your payment

Note- If you are a registered user then you can renew by logging in to your account and pay online using a Credit Card, Debit Card or through Net Banking.

Claim Process of Future Generali Health Insurance

At Future Generali Health Insurance, making a claim is simple and convenient. Future Generali has an in-house claim settlement process team that processes the insurance claims within 30 working days from the time you receive your last necessary documentation.

There are 2 types of health insurance claims one can make with Future Generali Health insurance policy-

1. Cashless Claim

The cashless claim can be made if the individual got treatment from the network hospitals of the Future Generali Health insurance policy.

• In the network hospital, fill up duly signed pre-authorisation request form. Policyholders have to display their Future Generali Health card at the helpdesk.
• The duly filled authorisation form is sent to the insurer.
• After approval, the policyholder gets the benefit of cashless treatment.
• On rejection, one can pay all bills and later apply for reimbursement claim.

2. Reimbursement Claim

Insured have to pay all the bills at first place and then within 15 – 30 days of the discharge of hospital, the insured member has to submit the duly filled request form.

Claims will be approved if everything falls under the terms and conditions of the policy.

Review of the Future Generali Health insurance

The company has a diverse range of health insurance policies to provide financial security to customers against various medical threats. ‘Health is wealth’, this is the mantra of Future Generali Health Insurance. Future Generali is one of the major general insurance firms in the country. Future Generali Health Insurance gives an understanding feeling to the policyholder that means it understands the basic needs of the insurance seeker. Future Generali offers health insurance from minor illness to major ones. Under the Future Generali Health insurance there is cashless hospitalization all over the country at a network of 4200+hospitals. The transparent system and 24*7 customer service makes Future Generali Health Insurance one of the best health insurance companies which you can opt.

Claim Form

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Contact information

Bajaj Allianz General Insurance Company Ltd.
GE Plaza, Airport Road, Yerawada, Pune 411 006.
Tel.: 1800- 209- 0144
E-mail: websales(at)bajajallianz(dot)co(dot)in

FAQ

1. How can I pay my Future Generali Health insurance premium? What are the modes of payment available for the same?

Future Generali India Insurance offers three simple ways to the clients for paying the health insurance policy premium

• Auto Debit: You may forget your due date of premium policy, hence Sign a mandate at time of buying the policy, thus your premium will be deducted automatically from the bank account without any hustle.
• Cash/cheque deposit at Bank
• Direct online payment like debit/credit card and internet banking.

2. What is Domiciliary Hospitalisation? Is it the same as the day care treatment?

No, Domiciliary Hospitalisation and the day care treatment are not the same thing at all. Day care treatment is the treatment in which Policyholder who are treated even less than 24 hours. While domiciliary hospitalisation are referred to the Medical treatment that is administered while the patient is limited to the house.

3. What do we mean by cumulative bonus?

Cumulative Bonus means an increase in the sum insured granted by the insurer without an associated increase in premium.

4. What are the benefits of Floater Policy?

You will get an opportunity to float the amount of sum insured amongst the family member or the company etc employees under the Group Mediclaim Health insurance policy.

5. Is the policy renewal process for the Future Generali health insurance?

You can renew the policy in very simple steps as same as when you buy it. You have to log in to e-Portal and check the mode of the payment by which you want to pay like Debi/credit card or by Net Banking.

You will get another window and message that the policy is renewed.

You can deposit the cash before the due date to renew it automatically

6. Can I get cashless hospitalisation under any hospital?

No! The third party administrator (TPA) that has been chosen by the insurance company authorizes certain hospitals to treat the insured without the insured paying any cash. This facility is available at only the Network hospitals.

7. Will I get any income Tax Benefit if I buy any Health insurance?

Yes. Premium paid by any mode other than Cash / DD under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

8. What is Hospital Cash policy benefit?

In the event of hospitalisation even if you have a standard Mediclaim policy, you may have to make some “out of pocket” expenditure like food, conveyance etc. Hospital Cash will pay a fixed benefit amount for each day of hospitalisation to take care of such incidental expenses and thus reduce out of pocket expenditure. It is like an allowance to you.

9. How to get the list of the Future Generali health insurance network hospital in my city?

It can be done in simple steps. Just visit the site of the Future Generali health insurance and click on the tab on the screen left. There you will get network hospital option. You can fill your city and get information about your city’s network hospitals.

10. Where do I contact in case of a claim?

You may call on Future general health insurance’s 24 hours call centre on 1800 103 8889 or Fax on 1800 103 9998.

Or mail Future Generali health insurance on fgh@futuregenerali.in

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