Future Generali Health Insurance

  • Comprehensive coverage plan
  • Critical Illness coverage
  • Maternity coverage included
Future Generali Health Insurance
premium

Network hospitals

8430

premium

Claim settlement ratio

96.01%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

15

premium

Solvency Ratio

1.61

premium

Pan India Presence

121

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8430

premium

Claim settlement ratio

96.01%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

15

premium

Solvency Ratio

1.61

premium

Pan India Presence

121

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.

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Future Generali Health Insurance

Future Generali Health Insurance

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.

Some Interesting Facts About Health Insurance

  • There is cashless hospitalization all over the country and the number is more than 8000.
  • The group was founded in 1821, but they started their insurance setup in 2006.
  • They have integrated sustainability into their strategic choices.
  • It is a joint venture between Generali Group and Future Group.
  • Their main goal is to become lifetime partners with the customers.

Some of the Awards and Achievements

  • ET Best Brands 2020
  • Asia-Pacific Stevie Awards
  • Best Product Launch PR Campaign of the Year
  • ET Now Sales Champion Award
  • Golden Star Awards-Claims Service Leader
  • Golden Star Awards- Best Product Innovation

A Quick Outlook

Cashless Claim Settlement 48 hours
Minimum Entry Age 3 months
Maximum Entry Age 65 years
Sum Insured Upto Rs. 1 Crore
Network Hospital 8430
Tax Benefits Upto Rs. 1 Lakh
Solvency Ratio (2021-22) 1.6 %
Claim Settlement Ratio (2021-22) 96.01%
Ambulance Expenses Covered
Coverage for Accidents Yes

Future Generali Health Insurance Plans

Future Generali Health Insurance is one of the top companies that offers customized health insurance plans and complete health covers.

Individual & Family Health Insurance Plans

Future Generali Advantage Top-Up

The plan acts as a top-up to your existing health insurance cover & supplements your existing health insurance when your basic health insurance cover is exhausted.

Unique Benefits

  • 2 variants to choose from
  • Cancer and heart issues covered
  • Daycare treatments covered

Advantage Top-Up (Pros)

  • Family Discount
  • Loyalty Discount
  • Floater Benefit
  • Easy Portability
  • Long Term Discount

Advantage Top-Up (Cons)

  • No War Injury Cover
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Advantage Top-Up (Other Benefits)

  • ICU Expenses
  • Specialist Fees
  • No Loading
  • Consultancy Cover
  • Operation Charges

Advantage Top-Up (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - Lifelong
  • SI - 50 K to 1 Cr
  • Waiting Period - 30 Days

Future Generali Aarogya Bima

An extensive strategy that includes gay and bisexual individuals.This plan covers hospitalisation for both the live-in partner and the spouse.

Unique Features

  • Lifelong renewals
  • SI on Family Basis
  • Daycare treatments covered

Aarogya Bima (Pros)

  • 5% Long Term Discount
  • Hospitalization Benefit
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Aarogya Bima (Cons)

  • 10 % Copay
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Aarogya Bima (Other Benefits)

  • 5% Family Discount
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Aarogya Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 5 L
  • Waiting Period - 30 Days

Future Generali Arogya Sanjeevani

A health insurance plan that offers standard benefits as directed by the IRDAI. The plan offers coverage up to INR 10 Lakhs.

Unique Features

  • Cataract Treatments covered
  • Coverage for Modern Treatments
  • Avail up to 50% increase in SI

Arogya Sanjeevani (Pros)

  • Day Care Procedures
  • Inpatient Care
  • Plastic Surgery Due to Injury
  • Dental Cover
  • AYUSH Cover

Arogya Sanjeevani (Cons)

  • 4-Year WP For Joint Replacement
  • No Diabetics 2 Cover
  • No War Injury
  • 2 Year WP For Cataract
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • Cataract Cover
  • Post Hospitalization
  • Pre Hospitalization
  • Oral chemotherapy Cover
  • Stem cell therapy Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -NA
  • Waiting Period - 30 Days

Future Generali Critical Illness

A specialized cover designed to offer protection against 12 listed critical illnesses such as cancer, kidney failure, severe heart attack, total blindness and many more.

Unique Features

  • Lump sum payout on diagnosis
  • Floater Benefit available
  • Coverage up to 50L

Critical Illness (Pros)

  • Kidney Failure Cover
  • Liver Failure Cover
  • First Heart Attack Cover
  • Total Blindness Cover
  • Spouse Cover

Critical Illness (Cons)

  • No Birth Control Cover
  • No Hormone Replacement Cover
  • No War Injury
  • No Gender Change Cover
  • Cosmetic Surgery unavailable

Critical Illness (Other Benefits)

  • Family Floater Discount
  • Coma Cover
  • Open Chest Cover
  • Cancer Cover
  • Ambulance Cover

Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

Health Super Saver comes with 2 plan options offering a 80% discount under the Super Saver Discount option**.

Unique Features

  • Home Health Care Services
  • Organ Donor Expenses
  • Daycare treatments

Health Super Saver (Pros)

  • Impatient Treatment Cover
  • Daycare Treatment Cover
  • Alternative Treatment Expenses
  • Maternity Benefits
  • Organ Donor Benefit

Health Super Saver (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Health Super Saver (Other Benefits)

  • Floater Benefit
  • Easy Portability
  • 10% Discount for Family Members
  • 80% No Claim Bonus
  • 100% Medical Reimbursement

Health Super Saver (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Health Suraksha Insurance

From simple daycare treatment to major operations, the plan comes out with various benefits to deal with the multiple needs of the policyholder.

Unique Features

  • Cumulative Bonus up to 50%
  • Flexible 4 plan variants
  • Compassionate benefit

Health Suraksha Insurance (Pros)

  • Hospitalization Expenses
  • Free Medical Checkup
  • Organ Donor Expenses
  • Loyalty Discount
  • Recharge of SI

Health Suraksha Insurance (Cons)

  • No Organ Transplantation Cover
  • Infertility Cover Unavailable
  • No STD covered
  • No Maternity Cover
  • Cosmetic Surgery unavailable

Health Suraksha Insurance (Other Benefits)

  • Renewal Benefits
  • Cataract Treatment Cover
  • Ambulance Cover
  • Inpatient Treatment Cover
  • Free Medical Checkup

Health Suraksha Insurance (Eligibility Criteria)

  • Entry Age -90 Days
  • Max Entry Age - 70 Years
  • SI - 50 Thousand To 10 L
  • Waiting Period - 30 Days

Future Generali Health Specialized Plans

A comprehensive health insurance plan that provides coverage against medical expenses. Moreover, the plan also looks after your overall well-being.

Unique Features

  • Coverage for Mental Illness
  • E-opinion for illness or injury
  • Maternity Expenses covered

Health Total Policy (Pros)

  • Consultation Cover
  • Newborn Baby Cover
  • Organ Donor Cover
  • Cumulative Bonus
  • 15 Family Member Cover

Health Total Policy (Cons)

  • Congenital diseases
  • Illness Due To Alcohol
  • Sex Change Treatment
  • Hormone Replacement Therapy
  • No Obesity Treatment Cover

Health Total Policy (Other Benefits)

  • Dental Consultations
  • Out-Patientt Treatment
  • Wellness Care
  • Medication Cover
  • OPD Cover

Health Total Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Future Generali Hospital Cash

The plan provides a daily hospital cash covering incidental expenses to both the insured and their family members.

Unique Features

  • Avail ICU outside your city
  • Additional convalescence benefit
  • No previous Mediclaim required

Hospital Cash (Pros)

  • ICU Benefit In Your City
  • Recovery Benefit
  • 10 Days ICU Benefit
  • Convalescence Benefit
  • Lifelong Renewal

Hospital Cash (Cons)

  • No Non-allopathic Treatment
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Hospital Cash (Other Benefits)

  • Daily Hospital Cash
  • Tax Benefit
  • No Loading
  • Easy Portability
  • Spouse Cover

Hospital Cash (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Future Generali Personal Accident

The plan comes with 13 add-on covers and provides coverage against accidents.

Unique Features

  • Child Education support
  • No pre-medical test required
  • Repatriation & Funeral Benefits

Personal Accident (Pros)

  • Permanent Total Disability
  • 10% Family Discount
  • Easy portability
  • 14 Days Claim Settlement
  • Accident Death Cover

Personal Accident (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Personal Accident (Other Benefits)

  • Permanent Partial Disability
  • Temporary Total Disability
  • Accidental Hospitalization Cover
  • Adaptation Allowance
  • Adventure Sports Benefit

Personal Accident (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Surakshit Loan Bima

Designed for loan borrowers & offers protection against the difficulties one may face during loan repayment due to accident, or in case of critical illness.

Unique Features

  • Coverage against 18 critical illness
  • 5 plan options to choose from
  • No Survival Period required

Surakshit Loan Bima (Pros)

  • Loss Of Job Cover
  • Total Disablement Cover
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Surakshit Loan Bima (Cons)

  • No Pregnancy Cover
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Surakshit Loan Bima (Other Benefits)

  • Medical Test Above 50
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Surakshit Loan Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 10 Thousand to 3 Cr
  • Waiting Period - 30 Days

Future Generali Varishta Bima

Specially designed for senior citizens and is available on an individual and family floater basis which includes the insured and their spouse. SI goes up to 10 lacs.

Unique Features

  • Avail Road Ambulance
  • Free medical check-up available
  • Advance Treatments covered

Varishta Bima (Pros)

  • Affordable Premium
  • Daycare Treatment Cover
  • Cataract Surgery
  • Tax Benefit
  • Knee Replacement Cover

Varishta Bima (Cons)

  • 50% CoPayment On PED
  • Alcoholism Unavailable
  • No Dental Cover
  • 10% Copay On Hospitalization
  • Cosmetic Surgery unavailable

Varishta Bima (Other Benefits)

  • Ambulance Charge
  • Free Annual Medical Checkup
  • 10% Long Term Discount
  • 10% Family Discount
  • Spouse Cover

Varishta Bima (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - LifeLong
  • SI - 2 L to 10 L
  • Waiting Period - 30 Days

Future Generali HIV Disability Suraksha

A comprehensive plan that covers HIV/AIDS, Multiple disabilities, and chronic neurological disorders. This plan even covers Cerebral palsy.

Unique Features

  • Hospitalization Expenses
  • Cataract Treatment Cover
  • Acid Attack Victim Cover

HIV Disability Suraksha (Pros)

  • Sublimit For Room Rent
  • Speech Disability Cover
  • Hearing Impairment Cover
  • Mental Illness Cover
  • Intellectual Disability Cover

HIV Disability Suraksha (Cons)

  • No Global Coverage
  • No Vaccination Cover
  • 20% Copay
  • No Cosmetic Surgery Cover
  • No Stem Cell Storage

HIV Disability Suraksha (Other Benefits)

  • Autism Cover
  • AYUSH Treatment
  • Parkinson’s Disease Cover
  • Dwarfism Cover
  • Leprosy Cover

HIV Disability Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Future Generali Saral Suraksha Bima

This is an affordable accidental cover for you and your family. The plan covers disability and accidental death.

Unique Features

  • Education Grant
  • Parents Cover
  • Worldwide Coverage

Saral Suraksha Bima (Pros)

  • 5% Long Term Discount
  • Hospitalization Benefit
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Saral Suraksha Bima (Cons)

  • 10 % Copay
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Saral Suraksha Bima (Other Benefits)

  • 10% Family
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Future Generali DIY Health Insurance

A policy that allows the policyholder to customise and select what is best for them. The plan includes the accidental death cover of the primary member.

Unique Features

  • Maternity Benefits
  • Emergency Air Ambulance
  • Convalescence Benefit

DIY Health Insurance (Pros)

  • Non-medical Expenses Cover
  • Accompanying Person Cover
  • Alternative Treatments
  • Cumulative Bonus Booster
  • 3 Variant Plan

DIY Health Insurance (Cons)

  • No Suicide Coverage
  • No Vaccination Cover
  • No War Injury Cover
  • No Cosmetic Surgery Cover
  • No Obesity Treatment Cover

DIY Health Insurance (Other Benefits)

  • Wellness Benefit
  • No Loading
  • 15% Online Discout
  • 20% Accident Booster
  • HIV Cover

DIY Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 15 L
  • Waiting Period - 30 Days

A plan that provides physical & mental health coverage .The plan also includes accidental hospitalization and wellness benefits.

Unique Benefits

  • Diagnostic & Fitness Tracking
  • Discount on fitness
  • Discount on Health Brands

Health Absolute (Pros)

  • Home Health Care Expenses
  • Alternative Treatments
  • Accompanying Person Cover
  • E-Opinion Cover
  • 3 Variant Plan

Health Absolute (Cons)

  • No Newborn Baby Cover
  • No Infertility Treatment Cover
  • No War Injury Cover
  • No Joint Replacement Cover
  • No Obesity Treatment Cover

Health Absolute (Other Benefits)

  • Organ Donor Expenses
  • Maternity Expenses
  • Global Coverage
  • Emergency Medical Evacuation
  • Child Vaccination

Health Absolute (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Limit
  • SI - 3 L to 1Cr
  • Waiting Period - 30 Days

Future Generali Health Elite

A plan tailored for premium customers, providing high coverage and premium healthcare services.

Unique Benefits

  • 15 Family Member Cover
  • High Sum Insured
  • Global Coverage

Health Elite (Pros)

  • Maternity Coverage
  • Newborn Baby Cover
  • Organ Donor Cover
  • Patient Care
  • Day Care Treatment

Health Elite (Cons)

  • No Congenital diseases
  • No Infertility Treatment Cover
  • No War Injury Cover
  • No Sex Change Cover
  • No Obesity Treatment Cover

Health Elite (Other Benefits)

  • Dental Consultations
  • Out-Patientt Treatment
  • Alternative Treatment
  • Medication Cover
  • Family Floater Discount

Health Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 75 L to 6Cr
  • Waiting Period - 30 Days

Why Choose Future Generali Health Insurance Plans?

Future Generali Health Insurance company is famous for creating products that are flexible enough to meet the requirements of their customers. There are a lot of benefits you will get when you choose the health insurance plan. Read below to know more:

  • Comprehensive Plan:

    The company offers several comprehensive plans. They provide coverage for hospitalization expenses, including room rent, medical procedures, and doctor's fees at a very affordable rate.
  • Network Hospitals:

    The company has more than 8430 network hospitals that offer cashless hospitalization to the policyholders.
  • Pre and Post Hospitalisation:

    The plans cover pre and post-hospitalization expenses, which ensures the complete hospitalization process.
  • Additional Benefits:

    Some plans offer additional benefits like coverage for alternative treatments, daycare procedures, and domiciliary hospitalization.
  • Critical Illness Coverage:

    Future Generali critical illness plans cover around 22 critical illnesses.
  • Customizable Policy:

    You can customize the premiums and coverage as per your requirements, budget, and needs.
  • 24x7 Support:

    The company offers dedicated customer support who are there for your help 24/7. You can ask your queries to them and they will resolve it in no time.

Know What is Covered- Inclusion

In-Patient Hospitalization Expenses

The policies cover in-patient hospitalization that occurs during the 24 hours of hospitalization. It includes room rent, anesthesia, surgeon's fees, and much more.

Pre and Post Hospitalization

The expenses incurred before and after hospitalization like diagnosis, consulting fees, medicine costs, etc are included in the policy.

Road Ambulance Expenses

We know that transportation is the major factor when it comes to emergencies. Thus, the policy covers ambulance cover as well.

Maternity Coverage

Future Generali Insurance Company understands the value of beautiful moments in your life. Thus, they offer maternity cover as well.

Daily Cash Allowance on Hospitalization

The policy allows you to get a daily cash allowance up to the sum insured. This way you can make sure that you can cover your daily expenses stress-free.

AYUSH Treatment

The policy allows you to get traditional treatments such as Ayurveda, Yunani, Homeopathic, and much more.

What is not Covered?- Exclusions

Cosmetic Surgery

Self Harm

Conditions developing due to alcohol or drug abuse

Cure for obesity or weight management

Hazardous or adventure sports

Sexual Wellness Treatment

Waiting Period in Future Generali Health Insurance Company

The waiting 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.

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.

Why Choose Online Procedure to Buy Health Insurance Policy?

Getting a medical insurance policy online from PolicyX or directly from the company is full of benefits. Read below to know more:

  • Easy to Compare

    Online platforms give access to compare different Future Generali Health plans simultaneously. You can pick the right one for you while comparing the premiums.
  • Buying Insurance within 5 minutes

    At an online platform, you can choose and buy your policy within 5 minutes, without any extra hustle.
  • 24*7 Customer Service

    The experts are always at your service. No matter the time, you can contact them any time to clear your doubts.
  • Instant Quote

    With online accessibility, you can get quotations with just one click. You can collect several quotes and choose the right one for you.

Benefits of Purchasing at an Early Age

Although, there are no specific age criteria for buying health insurance plans. But buying insurance at an early age is highly beneficial. Read below to get to know why buying health insurance at an early age is beneficial.

Benefits of Purchasing at an Early Age

Your premiums will be less at an early age.

Benefits of Purchasing at an Early Age

At an early age, a continuous cover with renewals will help you to go out with the waiting period.

Benefits of Purchasing at an Early Age

No medical test is required if you purchase health insurance at an early age.

Benefits of Purchasing at an Early Age

You can avail a no-claim bonus for every claim-free year.

Benefits of Purchasing at an Early Age

You do not need to share your medical bills as the co-payment is not applicable in this case.

How To Buy Future Generali Health Insurance?

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.

Buy from the Company

  • Visit the official website of Future Generali India. Move your cursor to the 'I want to Insure' tab and click on the desired health plan
  • Fill up all the required contact details and check the premium details.
  • Make the online premium payment. Your policy document will be mailed to you at your registered email address

Buy from PolicyX

  • Fill in the details in the 'Calculate Premium' form.
  • Choose a preferred Future Generali Health Insurance Plan
  • Click on the 'Buy Now' tab.
  • Pay the premium and your Future Generali policy document will be shared on your registered email.

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 can call customer care for guidance on offline renewal. Lets us walk you through the process step by step:

Step 1: Visit the official website of the company, then locate the "Renew" option on 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 can 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 on your mobile number for confirmation of the payment. And hence the renewal can be done online.

How to Claim?

To file a claim you need to follow below steps:

Cashless Claim Process

  • Show your Future Generali Health Card at the helpdesk of the hospital to the TPA.
  • Submit the duly filled and signed pre-authorization request form.
  • The TPA will send the form to the insurance company. The insurer will analyze the claim request.
  • After approval, the company will directly settle all the bills of the hospital.
  • On rejection, one can pay all the bills and later apply for reimbursement.

Reimbursement Claim Process

  • You have to pay all the bills in the first place and within 15 to 30 days of discharge from the hospital.
  • Submit all the required documents such as medical bills, prescriptions, and the claim form to the TPA/Company to file a claim under the reimbursement process.
  • Claims will be approved if everything falls under the terms and conditions of the policy.

Claim Process

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.

Documents required while filing the claim

  • 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 the pharmacy
  • 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 Calculate the Premiums?

You can calculate your health insurance premiums online at PolicyX very easily. Our health insurance premium calculator is a tool that is designed to enable potential buyers to estimate the premiums that they need to pay, monthly, quarterly, or annually.

Choose Policyx for all your Future Generali Health Insurance Related queries. We are:

  • IRDAI Approved:

    The Insurance Regulatory Development Authority of India (IRDAI) is a regulatory body created to protect the policyholder's interest. PolicyX.com follows all the guidelines and protocols approved by the IRDAI.
  • Free Comparison Service:

    With PolicyX.com, you can easily compare the best Health Plans in India without paying the extra amount.
  • Compare 15 Companies in 30 Seconds:

    With us, you can compare up to 15 companies in just a few seconds.
  • Buy Insurance withing 5 mins:

    With PolicyX.com, you can buy your policy online without any hassles. We offer an easy 4-step online buying process that allows you to buy your policy without any troubles.
  • 24*7 Customer Service:

    The experts of PolicyX.com are always available to resolve any of your insurance-related queries.
  • Free Future Claim Assistance:

    Our team will assist you at every step of your claim process. Be it claim intimation, documentation, or any other process, we are always there to help.
Why Should You Buy the Star Health Insurance Plan from Policyx.com?

Future Generali Health Insurance Network Hospital List

With the benefit of cashless facility, you do not need to spend money on your treatment, as all expenses will be paid by the insurer itself. Future Generali has tie-up with more than 6300+ hospitals, which are known as You can go to a network hospital, get your treatment done and the insurer will settle the bill directly at the hospital.

Contact Details

Future Generali Health Insurance company is a dedicated insurance company that works 24*7 for customer case support. They make sure to resolve all the customer queries, no matter what time. For a branch-wise contact detail, you can read more about Future Generali Health Insurance Customer Care.

Future Generali India Insurance Co Ltd., Unit 801 and 802, 8th floor, Tower C, Embassy 247 Park, L.B.S. Marg, Vikhroli (W), Mumbai - 400 083.

fgcare@futuregenerali.in

1800-220-233, 1860-500-3333, 022-6783-7800

Future Generali Health Insurance: FAQs

1. What documents are required to file the claim for Future Generali Health Insurance?

The list of documents required is mentioned below:

  • Future Generali Claim Form properly filled in and signed by the claimant along with Medical Certificate Form filled, signed, and stamped by the treating doctor
  • Original Discharge Card / Summary from the hospital/nursing home
  • Doctor's consultation reports / history
  • Hospitalization and other medical bills, receipts in original
  • Cash Memos from hospital/pharmacy supported by proper prescription
  • Investigation reports
  • Medico-Legal Certificate (MLC) for accident cases
  • Others requested by the company

2. From where can I download the claim form for filing a reimbursement claim?

For downloading the claim form, you need to visit the official website of the company. Click on the link, and download.

3. Am I eligible to avail of Tax Benefits under Future Generali Health Insurance?

Yes, one can avail tax benefits against the health insurance premium, under Section 80D Income-tax Act, 1961.

4. What is the waiting period for pre-existing illnesses in Future Health Suraksha?

Pre-existing illnesses are covered after 48 months.

5. What is the maximum per day benefit available under Future Hospital Cash?

Under Future Hospital Cash, the maximum benefit available for an individual is Rs. 6,000 per day.

6. Will my premium amount increase on renewals?

No, your premium will remain the same. However, if you want to enhance your coverage by adding any optional covers, or want to change your sum insured, then your premium will change.

7. Do I need to go for a pre-entrance medical check?

The requirement of medical check-ups before buying the plan would depend on the age and sum insured of the policyholder.

8. How I can check Future Generali health insurance policy status?

You can check the policy status by visiting the official website. You need to create a profile initially and simply log in to e-Portal with the username and password then, you can get all the policy details under your profile.

9. How to pay the premium? What are the modes of payment offered by Future Generali Health Insurance?

Future Generali Health Insurance offers three ways for paying the premium to its customers.

  • Auto Debit: Your premium will be deducted automatically from the bank account
  • Cash/cheque deposit at Bank
  • Direct online payment

10. What is the process for canceling a Future Generali health insurance policy?

You can cancel your policy by taking your policy documentation to the nearest branch office. You need to fill out the duly signed surrender form and submit the policy documents. The cancellation request would take 5 business days to process and the refund premium will be deposited. An intimation letter regarding the cancellation of your policy will be mailed to your registered address.

11. What is the free look period offered by Future Generali health insurance?

The free look period offered by Future Generali Health Insurance is 15 days from the receipt of the policy.

12. Do health insurance plans offered by Future Generali offer any discounts?

Yes! The plans offered by Future Generali come with Family Discount that offers a 10% discount if one or more persons are covered under the same policy.

13. Do I need to undergo a pre-medical health check-up before buying a health plan?

No! There are certain plans such as Vector-care, personal accidents etc that do not require any pre-acceptance tests. Before buying a health plan, go through the policy brochure thoroughly.

14. What is the deadline for submitting the claim under Future Generali Health Insurance?

In the event of emergency hospitalisation, you must inform us as soon as possible and no later than 48 hours after admission or before release, whichever comes first. If hospitalization is planned, you must give at least 48 hours' notice before being admitted to the hospital.

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Future Generali Health Insurance Reviews

Read what our customers have to say about Future Generali health insurance company

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Vishwa Rao

Hyderabad

May 31, 2022

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 a...

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nimrat sondhi

Ludhiana

March 14, 2022

my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I ...

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Somyak Handa

Pune

October 12, 2021

It has been an honour being with Furture generali for almost 10 years now...never goes back on their words. You can trust them to settle claims when in need

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mangni Ram

Ahmedabad

October 12, 2021

Very amazing plans and helpful customer care service offered by Future Generali Insurance. I am impressed by the way this company works.

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Sriparna Das

Dehradun

August 31, 2021

got recommended this company by a friend. Very pleased to have associated with them. Got my bills settled quickly after my husband was hospitalzed recently! Thanks a bunch

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Happy Singh

Gurgaon

August 11, 2021

Best company with best services. Also, the team of policyx helped me very much. I will definitily tell my friends to buy this company policy

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Rakhi Dave

Vadodara

August 11, 2021

One of the best health insurance company, that truly looks after its customer s needs. I am glad that I decided to buy this company s health insurance.

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Radha Verma

Lukhnow

May 20, 2021

Very Good and trustworthy company. Got my claims settled in no time. Thankyou for looking after mine and my family s healthcare needs.

View All Future Generali Insurance Reviews