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About Future Generali Health Insurance

Future Generali India Insurance Company is one of the major general insurance companies in India. It was established in the year 2007. It is a joint venture between Future Group (a leading retailer of India) and the Generali Group (a global insurance group).

The company offers a wide range of health insurance plans at affordable prices that can easily deal with the different needs of customers.

Highlights of Future Generali India Insurance

Assets Under Management

Rs.3629 Crores

Locations In India

125+

Corporate Clients

3000+

**Last Updated on 19-11-2020

Future Generali Health Insurance Highlights

What are the different types of Future Generali Health Insurance Plans?

1. Future Generali Mediclaim Insurance

Future Generali Mediclaim Insurance is a comprehensive health insurance plan that comes out in three different variants- Vital, Superior, and Premiere. All plans are available with individual and floater options along with lifelong renewal facilities.

Key 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, restore 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- the policyholder will be liable to avail the same only after the waiting period of two years.

Eligibility:

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 19-11-2020

2. 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.

Key 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 also offers a worldwide cover to you and your family.
  • Policyholders have the option to renew their policies within 30 days.

Eligibility:

Entry age

Adults-18 years to 70 years with renewability up to 70 years.

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 19-11-2020

3. Future Generali Vector Care Mosquito Insurance

Future Generali Vector Care Health Insurance is an effective health insurance plan that provides a lump sum benefit 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.

Key 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.

Eligibility:

Entry age

Minimum-1 days

Maximum- 65 years

Renewability

Lifelong

Policy term

1 to 3 years

**Last Updated on 19-11-2020

4. 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 hospitalization.

There are four subcategories of the Future Generali Hospital Cash Insurance:

  1. Plan A and Plan B – No income criteria for the policy seeker.
  2. Plan C – Monthly income above Rs. 50,000 of the policy seeker.
  3. Plan D - Monthly income above Rs. 75,000 of the policy seeker.

Key Features:

  • The plan offers ICU benefit 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.

Eligibility:

Age at Entry

6 months to 25 years

Free look period

15 Days

Renewability

Lifelong

**Last Updated on 19-11-2020

5. Future Generali Critical Illness Insurance

Future Generali Critical Illness Insurance is a health protection plan that offers extensive coverage against 12 listed critical illnesses.

Key Features:

  • The policyholder 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.

Eligibility:

Entry age

Adults-18 years to 65 years
Children-6 years to 25 years

Sum insured

1 Lakh to 50 lakh

Policy term

1 year

**Last Updated on 19-11-2020

6. Future Generali Surakshit Loan Bima Insurance

Future Generali Surakshit Loan Bima is a policy that is specifically designed for the loan borrowers of banks and financial institutions. It offers comprehensive protection to you and your family against the difficulties that you face at the repayment time of your loan in case of any eventualities.

Key Features:

  • The plan offers accidental death and permanent total disability cover to the policyholder.
  • Critical illness cover is also there 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.

Eligibility:

Entry age

18 years to 65 years

Sum Insured

₹ 10,000 to ₹ 3,00,00,000

Renewal

Up to 70 years

Policy Term

1 to 3 years

**Last Updated on 19-11-2020

7. 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. It is available on an individual and family floater basis.

Key Features:

  • No medical examination tests are required for individuals for 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.

Eligibility:

Entry age

Adults: 18 years to 65 years

Sum insured (in Rs.)

Rs.3 Lakhs to 10 Lakhs

**Last Updated on 19-11-2020

8. 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.

Key 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.

Eligibility:

Entry age

18 years - no limit

Renewability

Lifelong

Policy term

1 to 3 years

**Last Updated on 19-11-2020

9. 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.

Key Features:

  • The policyholder will get coverage against hospitalization (pre & post) expenses, daycare treatment expenses, organ donor expenses, etc.
  • If the sum insured of the insurance policy and the cumulative bonus is exhausted due to payable claims, a restore sum insured (equal to the 100% sum insured) will be automatically available for 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.

Eligibility:

Entry age

90 days to 70 years

Renewability

Lifelong

Sum insured

Rs.50,000 to 10 lakhs

**Last Updated on 19-11-2020

10. Future Varishta Bima Senior Citizen Insurance

Future Varishta Bima is one of the best plans for old age people. It 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.

Key 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 case of upfront premium payment for a long term policy.

Eligibility:

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 19-11-2020

11. 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.

Key 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).

Eligibility:

Entry age

Adults-18 years 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 19-11-2020

12. Future Generali Arogya Sanjeevani Insurance

Future Generali Arogya Sanjeevani Policy is a standard health product that offers wider coverage to the entire family.

Key Features:

  • 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.

Eligibility:

Entry age

Adults-18 years to 65 years

Children-3 months to 25 years

Sum insured

Rs.1 Lac, 1.5 Lacs, 2 Lacs, 2.5 Lacs, 3 Lacs, 3.5 Lacs, 4 Lacs, 4.5 Lacs, 5 Lacs

Renewal

Lifetime

**Last Updated on 19-11-2020

13. Corona Rakshak Policy

Corona Rakshak Policy provides lump-sum benefit in case a policyholder is diagnosed with COVID-19 (at a government authorised diagnostic centre). The amount equal to 100% of the sum insured is paid on a positive diagnosis of COVID (requiring hospitalization for a minimum continuous period of 72 hours).

Key Features:

  • Under 80D of the Income Tax Act, 1961, you can get tax relief for all premiums paid by any mode (except for cash).
  • No need to get a pre-insurance medical examination under this policy.

Eligibility:

Entry Age

18 years-65 years

Sum Insured

Rs.50,000-2,50,000

Policy Period

3½ months, 6 ½ months, and 9 ½ months

**Last Updated on 19-11-2020

14. Corona Kavach Policy

Corona Kavach Policy safeguards you and your family against the COVID-19 related hospitalization/home care treatment expenses.

Key Features:

  • The plan offers necessary coverage for pre & post hospitalisation expenses (15 & 30 days).
  • AYUSH treatment expenses are also covered by this plan.

Eligibility:

Entry Age

18 years-65 years

Sum Insured

Rs.50,000-5,00,000

Policy Period

3½ months, 6 ½ months, and 9 ½ months

**Last Updated on 19-11-2020

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, or allow PolicyX.com to assist you in a better manner. Let's check out both ways.

Through the company's website

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

Note- To buy other health plans, reach out to your nearest Future Generali branch.

Through PolicyX.com

  1. On the top of this page, fill the details in the 'Calculate Future Generali Health Insurance Premium' form.
  2. The next page will display all the quotes from different companies. Select your desired 'Future Generali Health' plan and click on 'Buy Now'.
  3. Pay the premium online and your policy document will be shared on your registered email address.

How To Claim For Future Generali Health Insurance?

There are 2 types of health insurance claims one can make with Future Generali General Insurance. Let's take a look at them-

Cashless Claim:

The policyholder can avail of the cashless facility at any network hospital of the Future Generali Health Insurance.

  • Show your Future Generali Health Card at the helpdesk of the hospital to the TPA.
  • Submit the duly filled & 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 bills and later apply for reimbursement.

Reimbursement Claim:

You have to pay all the bills in the first place and within 15 to 30 days of discharge from the hospital, you have to 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.

Contact Details of Future Generali Health Insurance

Address:

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.

Contact Number: 1800 220 233, 1860 500 3333, 022 67837800

Email Address: fgcare@futuregenerali.in

You can also SMS 'keyword' to 9222211100

Below are the details of keywords you can use:

  • SERVE: For service requests
  • PRODUCT: For product queries
  • REN: For renewal related queries

FAQ's

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

Pre-existing illnesses are covered after 48 months.

3. 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.

Page updated on 19-11-2020