Future Generali Health Insurance
  • Coverage for Pandemic Treatments
  • Special Vector Care Plan
  • 50+ Critical illness covered
Future Generali Health Insurance
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Future Generali Health Insurance

Future Generali India Insurance Company was established in the year 2007. It is a joint venture between Future Group (a leading retailer in India) and the Generali Group (a global insurance group). Future Generali Health Insurance has 121 branches across India and offers comprehensive health insurance products to its customers.

Future Generali Health Insurance offers various types of Health Insurance for individuals, families, senior citizens, critical illness, top-up, and super top-up health insurance plans that are designed to meet all the needs of the individual.

Continue reading to find out more about the company.

Why Choose Future Generali Health Insurance Company?

Before choosing a health insurance company, it is important for you to have a thorough insight into the company's Annual Premium, Network Hospitals, Solvency Ratio, and Claim Support. Below, we have analysed the company's performance on the basis of these factors.

  • Network Hospitals:
    Future Generali has a vast network of approximately 6000 hospitals across the nation. This ensures that you can easily get treated cashlessly in India.
  • Solvency Ratio:
    Another factor that one should consider while choosing a health insurance company is the solvency ratio of the company. IRDAI has mandated a solvency ratio of 1.5 for every insurer. As per the IRDAI reports, the solvency ratio of Future Generali is 1.62 for 2020-21.
  • Claim Support (Claims Settled within 3 months):
    Before choosing an ideal insurance company, it is important to check the claim support of the company. As per the IRDAI reports, the claim support of Future Generali stands at 93.74% as of FY 2020-21.
  • Annual Premium:
    Annual Premium showcases the growth of the company during a financial year. As per the Annual Report of IRDAI, the annual premium of Future Generali is INR 3,835.23 Crores.
Future Generali Insurance Key Features

Future Generali Health Insurance Plans

Future Generali Health Insurance offers various health products to cater to the healthcare needs of every individual. At present, Future Generali has come up with 13 health insurance plans. Have a look at the table below to get an insight into the types of plans offered.

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
  • Coverage for Cancer & Heart Ailments
  • Daycare treatments covered

Future Generali Aarogya Bima

Aarogya Bima Insurance is an affordable health insurance plan designed for those individuals who want to cover themselves and their families at an affordable price.

Unique Features

  • Lifelong renewals
  • SI on an Individual and Floater basis
  • Daycare treatments covered

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

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

Future Generali Health Super Saver

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

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

Future Generali Health Specialized Plans

Future Generali Vector Care

Provides a lump sum benefit in the case the policyholder is diagnosed with Malaria, Dengue, Lymphatic Filariasis, Kala-azar etc.

Unique Features

  • 100% restoration of SI
  • No pre-acceptance test required
  • Discounts available

Future Generali Health Total Policy

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

Future Generali Hospital Cash

Future Generali Hospital Cash Insurance is a form of health insurance plan that provides financial cover to deal with medical care bills during hospitalization.

Unique Features

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

Future Generali Personal Accident

Personal Accident Plan offers coverage to the policyholders against accidents until they recover and return to their routine lives. The plan comes with 13 add-on covers.

Unique Features

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

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

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

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 6000 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.

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.

  • 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

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

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 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.

How To Renew Future Generali Health Insurance Policy?

  • Visit the official website of Future Generali.
  • Click on the Renew Health Insurance tab.
  • Enter your policy number and other required details.
  • Once done, the next page will show you the premium amount.
  • Make the online premium payment. Your policy document will be mailed to you at your registered email address.

Contact Details Of Future Generali Health Insurance

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.


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

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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 freelook period offered by Future Generali health insurance?

The freelook 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.

Future Generali Health Insurance Reviews

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

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Vishwa Rao


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


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


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


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


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


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


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


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