Future Generali Health Absolute Plan
  • Up to 1 Cr SI
  • 3 Plan Variants
  • 10% Family Discount
Future Generali Health Absolute Plan
premium

Network hospitals

8430+

premium

Incurred claim ratio

79.18%

premium

Sum insured

Up to 6 Cr

premium

No. of Plans

1

premium

Solvency Ratio

1.8

premium

Pan India Presence

121+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

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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 offers a wide scope of coverage and facilitates policyholders in managing their everyday lifestyle in an efficient way. FG health absolute not only covers hospitalization expenses but also covers you for covers benefits like annual health check-ups, and consultations regarding mental health, guiding you towards a healthier lifestyle, and also rewarding you for it.

With embedded health and wellness features like fitness tracking, teleconsultations, and discounts on health and fitness brands the plan is a complete solution for individuals who want to develop a healthy mind and body for themselves and their loved ones. There are 3 variants under health absolute Future Generali namely,

  • Classic - 3 | 5 and 10 L
  • Platnium - 15 | 20 | 25 | 30 and 35 L
  • Signature - 50 | 75 L and 1 Crore

On investing in the FG Health Absolute plan individuals can cover up to 15 family members and provide them with holistic health and wellness coverage. This health insurance plan is a complete package for those who are looking for a complete health insurance plan that not only covers you in the face of adversity but also rewards and tracks your health and wellness saving you from any ailments and sickness.

Future Generali Health Absolute Plan Specifications

To understand Future Generali Health Absolute Plan Insurance in detail, take a look at the below table:

Entry Age

18 years - No Limit

Policy Type

Individual and Family Health Insurance

Sum Insured

3 Lakh - 1 Cr

Initial Waiting Period*

30 Days* Days

Renewability

Lifelong

Policy Term

1,2,3 Years

*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.

Read more specifications in the brochure.

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Choose Your Future Generali Health Absolute Plan

With wide coverage options available, Future Generali Health Absolute Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not Covered

Daycare Treatment

Covered

OPD Charges

Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Not Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Covered

Second Medical Opinion

Not Covered

Vaccination

Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.

What is Automatic Restoration?

It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.

What is Daily Hospital Cash?

Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.

What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.

What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.

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Future Generali Health Absolute Plan Network Hospital List

Future Generali Health Absolute Plan Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Absolute Plan ensures that you are medically secured, irrespective of the city you reside in.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

Future Generali Health Absolute Plan Premium Table

Below mentioned is an individual premium for 26-30 years of age group

Individual

Sum Insured (In Rs.) 5 L 15 L 25 L 35 L 75 L 1 Crore
Premium (In Rs.) 8,555 13,685 15,624 18,802 29,078 32,363

What Is Not Covered Under Future Generali Health Absolute Plan?

There are certain exclusions mentioned under Future Generali Health Absolute Plan:

  • Cosmetic treatments (for change of life or cosmetic or aesthetic treatment of any description), plastic surgery
  • Cost of an annual health check-up
  • Injury or illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war-like operations
  • Hazardous/Adventure sports
  • Breach of Law, alcoholism, drug, or substance abuse
  • Unproven treatments

Coverage after Waiting Period

There are specific waiting periods associated with some features of future generali health absolute plan:

  • Initial Waiting Period - 30 Days
  • For Listed Conditions - 2/3 Years
  • Pre-existing diseases - 2 Years

Explore other Future Generali Health Insurance

To cater to the different medical needs of an individual & their family, Future Generali Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more.Take a look below to Future Generali Health Insurance plans explore more:

Individual and Family Health Insurance

Future Generali Health Total Plan

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 family memb...

Unique Features

  • SI Up to 1 Crore
  • Family Discounts
  • Avail Wellness Benefits

Future Generali Health Total Plan (Pros)

Future Generali Health Total Plan
  • Daily hospital cash
  • Maternity cover
  • Newborn baby care
  • Modern treatment cover
  • Global coverage

Future Generali Health Total Plan (Cons)

Future Generali Health Total Plan
  • OPD charges
  • Second medical opinion
  • IVF treatment
  • Air ambulance cover
  • Compassionate travel

Future Generali Health Total Plan (Other Benefits)

Future Generali Health Total Plan
  • Organ donor cover
  • Family floater benefits
  • E-consultations
  • Daycare procedures cover

Future Generali Health Total Plan (Eligibility Criteria)

Future Generali Health Total Plan
  • Minimum- Day 1
  • Maximum- No limit

Individual and Family Health Insurance

Future Generali Health Absolute Plan

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 offers a wide ...

Unique Features

  • Up to 1 Cr SI
  • 3 Plan Variants
  • 10% Family Discount

Future Generali Health Absolute Plan (Pros)

Future Generali Health Absolute Plan
  • OPD charges
  • AYUSH cover
  • Maternity cover
  • Newborn baby care
  • modern treatment cover

Future Generali Health Absolute Plan (Cons)

Future Generali Health Absolute Plan
  • Domiciliary benefit
  • Second medical opinion
  • Air ambulance
  • Compassionate travel
  • Daily hospital cash

Future Generali Health Absolute Plan (Other Benefits)

Future Generali Health Absolute Plan
  • Pre & post-hospitalization
  • Organ donor cover
  • ICU charges
  • Cataract treatment cover

Future Generali Health Absolute Plan (Eligibility Criteria)

Future Generali Health Absolute Plan
  • 18 years - No Limit

Individual and Family Health Insurance

Future Generali Super Saver Plan

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 policyholders ...

Unique Features

  • 80% premium discount
  • Family coverage
  • Maternity coverage

Future Generali Super Saver Plan (Pros)

Future Generali Super Saver Plan
  • Modern treatment cover
  • Maternity covered
  • Domiciliary treatment cover

Future Generali Super Saver Plan (Cons)

Future Generali Super Saver Plan
  • Vaccination unavailable
  • Automatic restoration
  • Daily hospital cash
  • Health check-up unavailable

Future Generali Super Saver Plan (Other Benefits)

Future Generali Super Saver Plan
  • Pre & post-hospitalization
  • Daycare procedures
  • Cataract cover
  • ICU charges covered

Future Generali Super Saver Plan (Eligibility Criteria)

Future Generali Super Saver Plan
  • 18 to 70 years

Future Generali Health Absolute Plan : FAQs

1. What are the eligibility criteria for FG Health Absolute Plan?

The eligibility criteria for FG Health Absolute Plan are as follows Minimum entry age: Child: 1 Day Adult: 18 years Maximum: Child: 25 years Adult: Lifelong

2. What are the sum insured options available under Future Generali Health Absolute Plan?

Under the FG Health Absolute plan, individuals can opt between classic, platinum, and signature variants with sum insured options ranging between 3 Lakhs to 1 Crore.

3. Are tax benefits available under the FG health absolute plan?

Yes, all premiums paid towards FG health absolute plan are eligible for tax benefits under the Income Tax Act of India.

4. What are the policy periods that an insured individual can opt for under FG Health Absolute Plan?

The policy period under FG Health Absolute Plan is 1/2/3 years.

5. What are the various discounts options available under FG Health Absolute Health Plan?

The various discounts available under FG Health Absolute Plan are Under the individual SI option, a 10% family discount is applicable if more than one insured is covered under the same policy Renewal Discount - Any unutilized reward points earned under wellness benefit shall be applied as a renewal discount in premium at the time of policy renewal. Long-Term Discounts - It is applicable in case an individual purchases the FG health absolute plan for more than 1-year policy tenure. A 7.5% discount is applicable for 2 years and a 10% discount is applicable for 3 years

Explore Future Generali Health Insurance

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 3 years of experience in the industry. She may have all the answers to your insurance queries. With a background in Banking, she proactively helps her readers to stay on par with all the latest Insurance industry developments.

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