Sehwag PX
Future Generali Health Insurance
  • Cashless Approvals in Just 90 Minutes
  • Cover 130+ Day-care Procedure
  • In-house Claims Processing
  • 4300+ Network Hospitals
  • Tax Saving Under 80D

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Future Generali Health Insurance

Future Generali India Insurance Co Ltd 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 offers 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 the 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

RenewabilityLifetime
Network Hospitals4300+ (Cashless hospitalization)
Claim Settlement Ratio96.95 %
Locations All Over India125+
Waiting Period for Pre-existing Disease4 years
Grievances Solved99.73%

Future Generali Health Insurance Benefits

Claim Settlement Ratio

Claim Settlement Ratio

One should check the claim settlement ratio before buying a health insurance policy that determines the settlement of claims by the particular company in a financial year. Future Generali Health Insurance has a claim settlement ratio of 96.95% in India by the Insurance Brokers Association of India (IBAI).

Cashless Treatment Benefit

Cashless Treatment

One of the significant features is cashless treatment. The company offers cashless treatment in the network hospitals for over 5000 hospitals in the country. This benefit can be simply claimed by the policyholder on submitting genuine documents to the company in times of requirement.

Extensive Coverage

Extensive Coverage

Future Generali provides extensive coverage to the policyholder by handling all the expenses of pre and post-hospitalization. Daycare procedures are also covered under certain health insurance plans. Health check-ups are provided at zero cost after completion of 4 claim-free policy years.

Excellent Customer Support

Customer Support

Future Generali provides excellent customer assistance to the customers, you are free to ask any queries related to the insurance policy and they will guide you accordingly. Live chat service is also there on the official website of the company.

Lifetime Renewability

Lifetime Renewability

Future Generali health insurance offers you lifetime renewability services so that you can easily renew online your health insurance policy anytime from anywhere and you need not rush for the same. All the benefits will be as it is in the next year of the concerned insurance policy.

Tax Benefits

Tax Benefits

The policyholder can enjoy the benefits of tax exemption for the health insurance policy of Future Generali. The tax benefit applies to the premiums paid by the insured under Section 80D of the Income Tax Act of India, 1961 up to Rs. 25,000 for every financial year.

Types of Future Generali Health Insurance

  • Future Varishta Bima Health Insurance
  • Future Vector Care Health Insurance
  • Future Health Total Insurance Policy
  • Future Advantage Top Up Health Insurance
  • Future Health Suraksha Insurance Policy
  • Future Generali Personal Accident Plan
  • Future Generali Hospital Cash Insurance
  • Future Generali Critical Illness Insurance
  • Future Generali Top Up Health Insurance
  • Future Generali Surakshit loan Bima Insurance
  • Future Generali Aarogya Bima Insurance

Future Varishta Bima Health Insurance

Future Varishta Bima Health Insurance

Future Varishta Bima by Future Generali Health insurance plan is the best plan for aged people.This plan is designed particularly for senior citizens. Anyone who is from 60 years of age gets the benefit of the cover to further continuous years until the lifetime of the policyholder. The policy is available on an individual and family floater basis.

Features of Future Varishta Bima Health Insurance

  • The policyholder enjoys the inpatient treatment such as coverage for room rent, nursing expenses as provided by the hospital/ nursing home under the plan.
  • Daycare treatment expenses in which less than 24-hour hospitalization is required, pre-hospitalization medical expenses, post-hospitalization medical expenses, and road ambulance charges are also covered.
  • The policyholder enjoys free annual medical check-up care.
  • Medical tests that are done at the impaneled diagnostic center 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 80D of the Income Tax Act.
EligibilityMinimum-60 years
Maximum- No limits
Additional covers Road Ambulance charges, Free Annual medical check-up
RenewabilityLifelong
Policy Term1 to 3 years
Sum AssuredRs. 2 to 10 lakhs

Exclusions Future Varishta Bima Insurance policy

  • Any Injury or Illness that is caused by or arising from or attributable to war, invasion, an act of a foreign enemy, warlike operations are 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.

Future Vector Care 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.
EligibilityMinimum-1 days
Maximum- 65 years
Additional covers Long-term discount up to 7.5%
RenewabilityLifelong
Policy Term1 to 3 years
Sum AssuredRs. 10,000 to 75,000

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 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

EligibilityVaries according to variants
Cumulative discounts50% for every claim free year to a maximum of 100%
RenewabilityLifelong
Policy Term1 to 3 years
Sum Assured3 lakhs to 1 crore

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

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.

Eligibility1 day - no limits
DiscountsLong-term discount up to 10%
RenewabilityLifelong
Policy Term1 to 3 years
Sum AssuredRs. 5 lakhs to 1 crore

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

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.
EligibilityAdults-18 years – 70 years with a lifetime renewal option.
Children-90 days – 25 years
Day Care expensesCovers 409 procedures
RenewabilityLifelong
Policy Term1 to 3 years
Sum AssuredRs. 50,000 to 10 lakhs

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

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.
EligibilityAdults-18 years to 70 years with renewability up to 70 years.
Children-3 years to 25 years can be covered as dependents
Worldwide CoverYour family get a worldwide cover, 24/7
Portability Yes
Policy Term1 to 3 years
Sum AssuredBased on the monthly income

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

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.
EligibilityAdults-18 years to 65 years with renewability up to 70 years.
Children-6 years to 25 years can be covered as dependents.
Grace Period30 Days
Portability Yes
Free Look Period15 Days

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

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.
EligibilityAdults-18 years to 65 years
Children-6 years to 25 years
Benefits 12 Illnesses Covered With Tax Benefits
Sum Insured 1 Lakh to 50 lakh
Policy Term1 year
Grace period 30 days

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

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.
EligibilityAdults-18 years to 65 years
Children-3 years to 25 years
Benefits Floater discount
Sum Insured 3 Lakh to 5 lakh
Policy Term1 year
Grace period 30 days

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

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.
EligibilityAdults-18 years to 65 years
Children-3 years to 25 years
Medical Test Above the age of 50 years, a medical test is compulsory
Sum Insured 3 Lakh
Renwalup to 70 years
Policy Coverage OptionsIndividual basis, covering up to a maximum of 4 applicants

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

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%.
EligibilityAdults-18 years to 70 years
Children-1 years to 25 years
Medical Test Above the age of 50 years, a medical test is compulsory
Sum Insured Rs. 2, 3, 5 Lakhs
RenwalLifetime
Policy Coverage OptionsIndividual or family floater basis including the whole family

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.

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 4 consecutive years of the policy years has passed.
  • Ailments that arise within the first 30 days of the policy inception is not covered.
  • Any type of non-allopathic procedure is not covered under the policy.
  • Any sexually transmitted diseases such as HIV, AIDS, and illnesses arising due to AIDS are not covered under the 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 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.

Hence, it is highly important to renew existing health insurance on time. Health insurance renewal is like a duty that you have to do at the right time to avail of several additional benefits.You can renew your plan by visiting the 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.

Let us look at the following steps:

  • 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 directly 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:

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 the pre-authorisation request form. Policyholders have to display their Future Generali Health card at the helpdesk.
  • The duly filled authorization 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.

Reimbursement Claim

Insured have to pay all the bills in the first place and then within 15 to 30 days of discharge from the 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.

Awards & Active Measures By Future Generali India Insurance Company

The company is known for its excellent services and customer satisfaction. The company has initiated a program in Palghar district of Maharashtra to give basic facilities like clean drinking water, sanitation, vocational training and education to adults for almost 132 tribal families living in the village. Also, it has broadened and provided facilities to ‘Muktshala’, i.e., accommodation facility for 80 tribal children to revive the education rights of the children in a small district of Maharashtra.

Future Generali has started some major drives in the country such as anti-tobacco awareness workshops, financial literacy workshops, village adoption, desktop donation drive, and education for self-defense for women in India. The ‘Sneh’ Claim Settlement Ratio (CSR) unit of the company that emphasizes on the environment, health and education.

Future Generali has been awarded by the HR Excellence Awards for the best implementation of HR technology in the year 2016.

FAQ

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.

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.

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

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.

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

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.

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.

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.

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.

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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Last updated on 12-11-2019