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Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali Health Insurance
Future Generali Health Insurance is your trusted companion, committed to safeguarding you from medical emergencies. ...Read More
10,000+
Cashless hospitals
95.5%
Claim settlement
6 Cr
Max sum insured
10
Active plans
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 1.96x solvency ratio
✅ 95.5% claim settlement
What you get with Future Generali Health Insurance
The headline features and policy mechanics, at a glance.
Sum insured up to 6 Cr
Coverage scales from entry-level individual plans to high-end family-floater protection.
10,000+ cashless hospitals
Direct billing at network hospitals across 150 presence — no out-of-pocket payment at admission.
95.5% claim settlement
Industry-leading approval rate on eligible claims received in the most recent fiscal year.
1.96x solvency ratio
Well above IRDAI's 1.5× floor — strong indicator of long-term claim-paying ability.
10 active plans
Choose from individual, family floater and senior-citizen variants to match your household.
About Future Generali Health Insurance
A quick overview of the insurer — parent group, brand history, and where they sit in the Indian health-insurance market.
Future Generali Health Insurance Company
Future Generali India Insurance is backed by the global insurance group Assicurazioni Generali, founded in 1821 and operating in 50+ countries. For Indian buyers, this global backing adds financial strength and international expertise to its health insurance offerings.
In the health insurance segment, Future Generali focuses on comprehensive coverage, structured plans, and customer-centric services. It is suitable for users looking for a balance of global credibility and local support, with an emphasis on long-term value and reliability.
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.
Key Figures:
- 10000+ Network Hospitals
- 95.5% Claim Settlement Ratio
- 2.26 Solvency Ratio
- Up to 6 Cr Sum Insured
- 150 Pan India Presence
What are some of the Features that set Future Generali apart?
- There is cashless hospitalization all over the country and the number is more than 10000.
- 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.
Future Generali health insurance awards and accolades.
- ET Best Brands 2020 Award
- Asia-Pacific Stevie Awards
- Best Product Launch PR Campaign of the Year
- ET Now Sales Champion Award
- Golden Star Awards - Best Product Innovation
- Golden Star Awards - Claims Service Leader
Why Choose Future Generali Health Insurance?
Key Features of Future Generali Health Insurance Plans
Future Generali Health Insurance company is known for creating flexible products that meet customer requirements. Choosing a health insurance plan from them offers numerous benefits:
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 policyholders.
Pre and Post Hospitalization:
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.
What Should I 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 things it covers. 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 they are cheaper than individual plans.
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 these expenses. It is also necessary to choose a policy that offers the 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 co-payment your policy requires.
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 reimbursement. Some policies also have a waiting period for critical illnesses; 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.
Choose Future Generali Health Insurance Coverage of Your Choice
Select a sum insured option below to compare health plans matching your coverage need.
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences, and a recommendation on who should buy.
Future Generali Health Insurance Plans
Future Generali is one of the top 10 private general insurers in India. Till date, they have sold 3.2 million policies in India and has more than Rs 5,300 crore assets under management, We have brought you the best plans of future generali for you and your loved ones, so check it out in Hindi
All 10 Future Generali Health Insurance plans
Every plan currently being sold by Future Generali Health Insurance, shown side-by-side so you can shortlist quickly.
Future Generali Criticare Plan
The Future Generali Criticare Plan is a health insurance plan that gives you a fixed lump sum amount if you are diagnosed with a serious il…
- Covers cancer
- kidney and liver failure
- primary pulmonary arterial hypertension.
Future Generali Varishta Bima Policy
Future Generali Varishta Bima policy is a specially designed health insurance plan for senior citizens that protects them from financial lo…
- Room Rent
- Pre-hospitalization
- Post-hospitalization
- Daycare Treatment
Future Generali Health Suraksha Plan
The Future Health Suraksha Plan is a health insurance policy designed to cover hospitalization and treatment costs, helping to protect your…
- ICU charges
- Pre-hospitalisation
- Post-hospitalisation
- Daycare treatment
Future Generali Advantage Top-up Plan
Get more coverage on your insurance and enjoy enhanced protection with a top-up today! The Future Generali Advantage top-up health insuranc…
- Room rent
- ICU charges
- Pre and post hospitalization
- Daycare treatment
Future Generali Health Elite Plan
There should be no boundaries when it comes to your health! Future Generali Health Elite plan offers premium healthcare benefits globally t…
- Room rent covered
- ICU charges
- Pre and post hospitalisation
- Domiciliary hospitalisation
Future Generali D.I.Y. Health Insurance
The Future Generali D.I.Y. Health Plan lets you build your own health insurance by choosing the coverage and add-ons you actually need. Ins…
- Room rent
- ICU charges
- pre and post-hospitalization
Future Generali Health PowHer
Don't be just another number: Embrace the power of Health PowHER! Health PowHER is more than just an ordinary health insurance plan. It is …
- Wellness benefits
- Critical illness cover
- Women-related cancer cover
- Temporary domestic help
Future Generali Health Absolute Plan
Future Generali Health Absolute is a comprehensive health insurance plan with 3 plan variants and a wide range of sum insured. The plan off…
- OPD charges
- AYUSH cover
- Maternity cover
- Newborn baby care
Future Generali Health Total Plan
Future Generali Health Total is a holistic, comprehensive health insurance plan that offers a multitude of features like cover for up to 15…
- Daily hospital cash
- maternity cover
- newborn baby care
- modern treatment cover
Quick comparison
Side-by-side across the 3 most-bought Future Generali Health Insurance plans on PolicyX.
| Feature | Future Generali Super Saver Plan | Future Generali Criticare Plan | Future Generali Varishta Bima Policy |
|---|---|---|---|
| Plan type | Individual and Family Health Insurance | Critical Illness Health Insurance | Senior Citizen Health Insurance |
| Sum insured | 3 L, 4 L, 5 L, 6 L, 10 L, 15 L,… | 1 L, 10 L, 20 L, 50 L | 2 L, 5 L, 7 L, 8 L, 10 L |
| Entry age | 18 to 70 years | Min- 6 years, Max- 65 years | 60 years to No Limit |
| Top benefits | Modern treatment cover · Maternity covered | Covers cancer · kidney and liver failure | Room Rent · Pre-hospitalization |
What's covered — and what's not
The standard inclusions and exclusions across Future Generali Health Insurance plans. Specific plans may add benefits — always check the policy wording before purchase.
✓ Inclusions
- The Company understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
- Most Future Generali Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
- Future Generali Health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
- Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Future Generali Health insurance plans are designed to cover daycare procedures for policyholders.
- On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Future Generali Health insurance plans cover domiciliary hospitalization up to specified sub-limits.
✗ Exclusions
- Future Generali health policies will not cover injuries or hospitalization caused by self-harm.
- Future Generali Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
- Future Generali Insurance plans will not cover you for hospitalizations or accidents caused due to adventure sports.
- Future Generali Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
- Future Generali insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Documents required
For policy purchase and claim submission. Have these ready before you start.
- 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 pharmacy/chemists
- 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
Waiting periods
When specific benefits become claimable after policy start.
Waiting Period in Future Generali Health Insurance Company
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencement. 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 for 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.
10,000+ cashless hospitals
Find a Future Generali Health Insurance network hospital near you. Direct billing — no out-of-pocket payment at admission.
Buy, claim, renew, port — step-by-step
Step-by-step guides for the four moments that matter most in your policy lifecycle. Click a tab to switch.
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.
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Future Generali Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased Future Generali Health Insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Future Generali Health Insurance plan.
To file a claim you need to follow these steps:
- Step 1
Show your Future Generali Health Card at the helpdesk of the hospital to the TPA.
- Step 2
Submit the duly filled and signed pre-authorization request form.
- Step 3
The TPA will send the form to the insurance company. The insurer will analyze the claim request.
- Step 4
After approval, the company will directly settle all the bills of the hospital.
- Step 5
On rejection, one can pay all the bills and later apply for reimbursement.
There are two ways to renew the policy. The customer can either visit the official website of the company or call customer care for guidance on offline renewal. Let us walk you through the process step by step:
- Step 1
Visit the official website of the company, then locate the "Renew" option at 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 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 to your mobile number for confirmation of the payment. Hence the renewal can be done online.
Connect with our insurance experts for Future Generali health insurance policy renewal at 1800 - 4200 - 269
To port your existing policy to Future Generali Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Future Generali Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
Compare and calculate the best Future Generali health policies with the PolicyX premium calculator with these simple steps:
- Step 1
Visit the official website of 'PolicyX'
- Step 2
Fill in details such as name, number of family members to be covered, city, and other information
- Step 3
Click on 'Get Quotes'
P.S - Connect with PolicyX health insurance experts for Future Generali health insurance policy renewal at 1800-4200-269
Frequently asked questions
The 14 most-asked questions about Future Generali Health Insurance, answered.
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
For downloading the claim form, you need to visit the official website of the company. Click on the link, and download.
Yes, one can avail tax benefits against the health insurance premium, under Section 80D Income-tax Act, 1961.
Pre-existing illnesses are covered after 48 months.
Under Future Hospital Cash, the maximum benefit available for an individual is Rs. 6,000 per day.
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.
The requirement of medical check-ups before buying the plan would depend on the age and sum insured of the policyholder.
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.
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
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.
The free look period offered by Future Generali Health Insurance is 15 days from the receipt of the policy.
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.
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.
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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Customer satisfaction
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PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.
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