FG 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.
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Future Generali Health Insurance
Future Generali Health Absolute At A Glance
Plan Type
Individual/ Family Floater
Sum Insured
Classic - 3 | 5 and 10 L Platnium - 15 | 20 | 25 | 30 and 35 L Signature - 50 | 75 L and 1 Crore
Network Hospitals
6300+
Initial Waiting Period
30 Days
No claim Bonus
50% every claim-free year, up to 100% SI
Family Discount
10% Applicable when 2 or more members are covered under a single policy
Read more specifications in the brochure.
Benefits of Future Generali Health Absolute Plan
With the purchase of FG health absolute health insurance plan, customers are entitled to a plethora of benefits and features that are mentioned below:
Avail Wellness Benefits FG absolute generali health absolute plan not only takes care of you and your family in the face of medical adversity but also motivates you with the tools to maintain a healthy
lifestyle. These wellness benefits include value-added services and reward points to motivate the insured individual. Teleconsultatoions, webinars, regular health check-ups, vouchers for health and fitness brands and wellness
content are some of the many features offered under the wellness benefits.
Wide Scope Of Cover Future Generali Health Absolute provides a wide scope of cover through their varied sum insured options under classic, platinum, and signature variants. The plan covers up to 15 family
members with coverage benefits like sum insured restoration, maternity benefits, AYUSH treatment, international treatment, e-opinions, and more.
Wellness Benefits Future Generali offers wellness benefits as per the plan variant selected by individuals. These benefits will include health risk evaluation and annual health checkups such as Complete
Blood count, Urine Routine, Random Blood Sugar, and more.
Voluntarily Deductible Discount Under all three plan variants customers can earn deductible discounts between 8 to 25% on investing in Future Generali Health Absolute Plan.
Earn Multiple Discounts Individuals investing in FG health absolute insurance plan can earn multiple discounts under the plan, namely -
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
Tax Benefits All the premiums paid towards the FG Health absolute plan is eligible for tax benefits under the Income Tax Act of India.
Eligibility Criteria For Future Generali Health Absolute Plan
Below mentioned are the eligibility criteria for the future generali health Absolute plan:
Child Entry Age
Minimum Child: 1 Day to 25 Years Adult: 18 Years
Adult Entry Age
Maximum: No Limit
Plan Type
Individual/ Family Floater
Policy Term
1/2/3 Years
Sum Insured
3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 50 L | 75 L | 1 Cr
Initial Waiting Period
30 Days*
*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.
Choose Your Future Generali Health Absolute Plan
FG health absolute offers a wide scope of coverage to its customers, below mentioned are the coverage terms provided within the plan
Coverage for SI:Classic (3/5/10 L)
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Covered Up to SI
Pre-Hospitalization
Covered for up to 60 days
Post-Hospitalization
90 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered Up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Equal to 100% of the SI
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Covered
New Born Baby Cover
Not Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
INR 1,500
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Not Covered
Limitations
Co-payment
Applicable, 20%
Sub-limits
Not Available
Coverage for SI:Platinum (15/20/25/30/35 L)
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Covered Up to SI
Pre-Hospitalization
Covered for up to 60 days
Post-Hospitalization
120 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered Up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Equal to 100% of the SI
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
INR 2,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Not Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Covered
Limitations
Co-payment
Applicable, 20%
Sub-limits
Not Available
Coverage for SI:Signature (50/75 L 1/Cr)
In-patient & Out-patient Coverage
Room Rent
Covered up to SI
ICU Charges
Covered Up to SI
Pre-Hospitalization
Covered for up to 60 days
Post-Hospitalization
180 Days
Domiciliary Hospitalization
Not Covered
Daycare Treatment
Covered Up to SI
OPD Charges
Covered
Coverage Terms
COVID-19 Treatment
Not Covered
Cataract
Covered
No Claim Bonus
Applicable
Automatic Restoration
Equal to 100% of the SI
Daily Hospital Cash
Not Available
Organ Donor
Covered up to SI
Maternity Cover
Covered
New Born Baby Cover
Covered
Alternative Treatments
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Covered
Emergency Coverage
Ambulance
INR 5,000
Air Ambulance
Not Covered
Compassionate Travel
Not Covered
Global Coverage
Covered
Wellness Programmes
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Available
Vaccination
Covered
Limitations
Co-payment
Applicable, 20%
Sub-limits
Not Available
What is Room Rent?
The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.
Common Room categories covered under room rent are:
Private Single AC Room
Twin Sharing
General Ward
Coverage status under Future Generali Health Absolute Plan?
Under Future Generali Health Absolute Plan, the room rent is covered up to SI.
What are ICU Charges?
It is a special department in the hospitals where patients with serious medical conditions are treated.
Coverage status under Future Generali Health Absolute Plan?
Under Future Generali Health Absolute Plan, the ICU charges coverage is available up to S.I.
What is Pre Hospitalization?
Medical expenses incurred before the hospitalization of the policyholder.
Coverage status under Future Generali Health Absolute Plan?
Under Future Generali Health Absolute Plan, pre-hospitalization is covered for up to 60 days.
What is Post Hospitalization?
Medical expenses incurred after the discharge of the policyholder from the hospital.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan covers medical expenses incurred during post-hospitalization for
Classic - 90 Days
Platinum - 120 Days
Signature - 180 Days
What is Domiciliary Hospitalization?
Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan does not cover domiciliary hospitalizations
What is Daycare Treatment?
Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan covers expenses of all daycare procedures up to SI.
What are OPD charges?
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.
Coverage status under Future Generali Health Absolute Plan?
OPD Charged are covered under Future Generali Health Absolute Plan
VClassic - Up to INR 3,000 for an individual policy and INR 5,000 for a family floater
Platinum - Up to INR 5,000 for an individual policy and INR 10,000 for a family floater
Signature - Up to INR 15,000 for an individual policy and INR 30,000 for family floater
What is COVID-19 Treatment?
COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan does not cover COVID-19.
What is Cataract Treatment?
A common eye condition in which your vision gets blurred.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan covers Cataract Treatment
Classic - Up to 10% Of SI or INR 75,000/- Per Eye.
Platinum - Up to 10% Of SI or INR 1,50,000/- Per Eye.
Signature - Up to 10% Of SI or INR 2,00,000/- Per Eye.
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 on policy renewal. However, in the case of a claim, this bonus amount either lapses or is
reduced by a certain percentage that varies from plan to plan.
Coverage status under Future Generali Health Absolute?
Future Generali Health Absolute Plan offers an additional 50% to the sum insured as a no-claim bonus for each claim-free year, a maximum of up to 100% of the sum insured.
What is Automatic Restoration?
Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from
plan to plan.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan offers automatic restoration benefits equal to 100% of the base Sum Insured excluding Cumulative Bonus, if any.
What is Daily Hospital Cash?
It is a cash amount that you receive each day during the time of hospitalization.
Coverage status under Future Generali Health Absolute Plan?z
The Daily hospital cash is not available under Future Generali Health Absolute Plan.
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.
Coverage status under Future Generali Health Absolute Plan?
Under the plan Future Generali Health Absolute Plan the organ donor expenses are covered up to SI.
What is a Maternity Cover?
It refers to the cover that includes expenses for normal and c-section procedure deliveries.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan Maternity Cover is available up to
3 L variant - INR 25,000
5 L & 10 L variant - INR 30,000
15 L variant - INR 40,000
20/25/30/35 L variant - INR 50,000
50 L/75 L and 1 Cr - INR 1,00,000
What is a New Born Baby Cover?
It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. 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
Pre-mature delivery
Birth asphyxia
Day care treatment
Coverage status under Future Generali Absolute Plan?
Under the Future Generali Health Absolute Plan, the newborn baby cover is available as automatic cover within Mother's/Floater Sum Insured under platinum and signature plan variants.
What is AYUSH Treatment?
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
Coverage status under Future Generali Health Absolute Plan ?
Under the Future Generali Health Absolute Plan, AYUSH treatment is covered on a reimbursement basis only.
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 for:
Full infertility
No fertility
Infertility diagnosis
Infertility diagnosis and limited fertility treatment
Medication (which may or may not include fertility drug prescriptions)
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, IVF is not available
What is a Modern Treatment?
Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, modern treatment is covered
Classic Variant - 50% Of SI, Maximum Up To INR 3 L Per Policy Year
Platinum Variant - 50% Of SI, Maximum Up To INR 7.5 L Per Policy Year
Signature Variant - 50% Of SI, Maximum Up To INR 10 Lacs, Per Policy Year.
What is an Ambulance Cover?
An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan ambulance cover is available
Classic Variant - Up to 1,500 per hospitalization
Platinum Variant - Up to 2,000 per hospitalization
Signature Variant - Up to 5,000 per hospitalization
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.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan air ambulance is not covered.
What is Compassionate Travel?
Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, compassionate travel is not covered.
What is Global Coverage?
Any kind of medical/health emergency when you are outside of India.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, global coverage is covered under signature plan variant after a waiting period of 4 years.
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.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, E-consultation is covered.
What is a Health Checkup?
A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.
Coverage status under Future Generali Health Absolute Plan?
Under the Future Generali Health Absolute Plan, health check-up is available.
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.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan does not cover the expenses for a second medical opinion.
What is Vaccination cover?
Coverage against the expenses incurred on vaccinations is provided by the insurance companies.
Coverage status under Future Generali Health Absolute Plan?
Future Generali Health Absolute Plan covers vaccination expenses under platinum and signature plan variants for up to 1 year of age.
What is Co-payment?
In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.
Status under Future Generali Health Absolute?
20% Co-Payment is applicable where Entry Age Is 61years And Above
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.
Status under Future Generali Health Absolute?
No sub-limits are available
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
Waiting Periods in Future Generali Health Absolute
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
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
Future Generali Health Absolute Plan Claim Process
To avail of claim settlement services, the insured individual must follow the process given below.
Cashless Claim Process
When admitted to a network Future Generali Hospital the insured individual must fill the pre-authorized form and show their future generali health card
The hospital will verify the insured individual’s identification documents as well as policy health card
Once verified, the insured individual can go back home and the hospital bill is settled between the insurance provider and the network hospital
Reimbursement Claim Process
Visit the official Future Generali General Insurance Website
Click on the “claim” button on the menu bar
Enter important details such as name, mobile number, email address, doctor’s number, policy number, hospital details, doctor details, date of admission, date of discharge, expenses amount and specify the treatment taken.
Once the documents are submitted the insurance provider will verify all the documents and reimburse the amount to the insured individual
Conclusion
FG Health Absolute plan is an apt choice for those individuals who are searching not only for a health plan that covers hospitalization bills but also is versatile enough to cover other benefits. With teleconsultations, webinars,
vouchers for health and fitness brands, and regular health check-ups for self and family members the plan offers a wide scope of coverage. Individuals can avail of a high sum insured of up to 1 Crore and also customize their
plan in a way that covers all their family members.
Explore other Future Generali Health Insurance Plans
Future Generali offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.
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
Cancer and heart issues covered
Daycare treatments covered
Advantage Top-Up (Pros)
Family Discount
Loyalty Discount
Floater Benefit
Easy Portability
Long Term Discount
Advantage Top-Up (Cons)
No War Injury Cover
No Cosmetic Surgeries
No Self-inflicted Injury
No Fertility-related Illnesses
No Obesity Treatment Cover
Advantage Top-Up (Other Benefits)
ICU Expenses
Specialist Fees
No Loading
Consultancy Cover
Operation Charges
Advantage Top-Up (Eligibility Criteria)
Entry Age - 1 Day
Max Entry Age - Lifelong
SI - 50 K to 1 Cr
Waiting Period - 30 Days
Future Generali Aarogya Bima
An extensive strategy that includes gay and bisexual individuals.This plan covers hospitalisation for both the live-in partner and the spouse.
Unique Features
Lifelong renewals
SI on Family Basis
Daycare treatments covered
Aarogya Bima (Pros)
5% Long Term Discount
Hospitalization Benefit
Death Cover
Loss Of Speech Cover
Deafness Cover
Aarogya Bima (Cons)
10 % Copay
No Hazardous Sports Cover
No War Injury
No Non-Allopathic Cover
Cosmetic Surgery unavailable
Aarogya Bima (Other Benefits)
5% Family Discount
Kidney Failure Cover
Open Heart Surgery Cover
Brain Tumor Cover
Cancer Cover
Aarogya Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 2 L to 5 L
Waiting Period - 30 Days
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
Arogya Sanjeevani (Pros)
Day Care Procedures
Inpatient Care
Plastic Surgery Due to Injury
Dental Cover
AYUSH Cover
Arogya Sanjeevani (Cons)
4-Year WP For Joint Replacement
No Diabetics 2 Cover
No War Injury
2 Year WP For Cataract
Cosmetic Surgery unavailable
Arogya Sanjeevani (Other Benefits)
Cataract Cover
Post Hospitalization
Pre Hospitalization
Oral chemotherapy Cover
Stem cell therapy Cover
Arogya Sanjeevani (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI -NA
Waiting Period - 30 Days
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.
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
Health Total Policy (Pros)
Consultation Cover
Newborn Baby Cover
Organ Donor Cover
Cumulative Bonus
15 Family Member Cover
Health Total Policy (Cons)
Congenital diseases
Illness Due To Alcohol
Sex Change Treatment
Hormone Replacement Therapy
No Obesity Treatment Cover
Health Total Policy (Other Benefits)
Dental Consultations
Out-Patientt Treatment
Wellness Care
Medication Cover
OPD Cover
Health Total Policy (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days
Future Generali Hospital Cash
The plan provides a daily hospital cash covering incidental expenses to both the insured and their family members.
Unique Features
Avail ICU outside your city
Additional convalescence benefit
No previous Mediclaim required
Hospital Cash (Pros)
ICU Benefit In Your City
Recovery Benefit
10 Days ICU Benefit
Convalescence Benefit
Lifelong Renewal
Hospital Cash (Cons)
No Non-allopathic Treatment
No Cosmetic Surgeries
No Self-inflicted Injury
No Fertility-related Illnesses
No Obesity Treatment Cover
Hospital Cash (Other Benefits)
Daily Hospital Cash
Tax Benefit
No Loading
Easy Portability
Spouse Cover
Hospital Cash (Eligibility Criteria)
Entry Age - 6 Months
Max Entry Age - 65 Years
SI - NA
Waiting Period - 30 Days
Future Generali Personal Accident
The plan comes with 13 add-on covers and provides coverage against accidents.
Unique Features
Child Education support
No pre-medical test required
Repatriation & Funeral Benefits
Personal Accident (Pros)
Permanent Total Disability
10% Family Discount
Easy portability
14 Days Claim Settlement
Accident Death Cover
Personal Accident (Cons)
Domiciliary Treatment
Alcoholism Unavailable
Hazardous Activity not covered
Vaccination not covered
Cosmetic Surgery unavailable
Personal Accident (Other Benefits)
Permanent Partial Disability
Temporary Total Disability
Accidental Hospitalization Cover
Adaptation Allowance
Adventure Sports Benefit
Personal Accident (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 70 Years
SI - 3 L to 50 L
Waiting Period - 30 Days
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
Surakshit Loan Bima (Pros)
Loss Of Job Cover
Total Disablement Cover
Death Cover
Loss Of Speech Cover
Deafness Cover
Surakshit Loan Bima (Cons)
No Pregnancy Cover
No Hazardous Sports Cover
No War Injury
No Non-Allopathic Cover
Cosmetic Surgery unavailable
Surakshit Loan Bima (Other Benefits)
Medical Test Above 50
Kidney Failure Cover
Open Heart Surgery Cover
Brain Tumor Cover
Cancer Cover
Surakshit Loan Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 10 Thousand to 3 Cr
Waiting Period - 30 Days
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
Varishta Bima (Pros)
Affordable Premium
Daycare Treatment Cover
Cataract Surgery
Tax Benefit
Knee Replacement Cover
Varishta Bima (Cons)
50% CoPayment On PED
Alcoholism Unavailable
No Dental Cover
10% Copay On Hospitalization
Cosmetic Surgery unavailable
Varishta Bima (Other Benefits)
Ambulance Charge
Free Annual Medical Checkup
10% Long Term Discount
10% Family Discount
Spouse Cover
Varishta Bima (Eligibility Criteria)
Entry Age - 60 Years
Max Entry Age - LifeLong
SI - 2 L to 10 L
Waiting Period - 30 Days
Future Generali HIV Disability Suraksha
A comprehensive plan that covers HIV/AIDS, Multiple disabilities, and chronic neurological disorders. This plan even covers Cerebral palsy.
Unique Features
Hospitalization Expenses
Cataract Treatment Cover
Acid Attack Victim Cover
HIV Disability Suraksha (Pros)
Sublimit For Room Rent
Speech Disability Cover
Hearing Impairment Cover
Mental Illness Cover
Intellectual Disability Cover
HIV Disability Suraksha (Cons)
No Global Coverage
No Vaccination Cover
20% Copay
No Cosmetic Surgery Cover
No Stem Cell Storage
HIV Disability Suraksha (Other Benefits)
Autism Cover
AYUSH Treatment
Parkinson’s Disease Cover
Dwarfism Cover
Leprosy Cover
HIV Disability Suraksha (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 5 L
Waiting Period - 30 Days
Future Generali Saral Suraksha Bima
This is an affordable accidental cover for you and your family. The plan covers disability and accidental death.
Unique Features
Education Grant
Parents Cover
Worldwide Coverage
Saral Suraksha Bima (Pros)
5% Long Term Discount
Hospitalization Benefit
Death Cover
Loss Of Speech Cover
Deafness Cover
Saral Suraksha Bima (Cons)
10 % Copay
No Hazardous Sports Cover
No War Injury
No Non-Allopathic Cover
Cosmetic Surgery unavailable
Saral Suraksha Bima (Other Benefits)
10% Family
Kidney Failure Cover
Open Heart Surgery Cover
Brain Tumor Cover
Cancer Cover
Saral Suraksha Bima (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 70 Years
SI - 2.5 L to 1 Cr
Waiting Period - 30 Days
Future Generali DIY Health Insurance
A policy that allows the policyholder to customise and select what is best for them. The plan includes the accidental death cover of the primary member.
Unique Features
Maternity Benefits
Emergency Air Ambulance
Convalescence Benefit
DIY Health Insurance (Pros)
Non-medical Expenses Cover
Accompanying Person Cover
Alternative Treatments
Cumulative Bonus Booster
3 Variant Plan
DIY Health Insurance (Cons)
No Suicide Coverage
No Vaccination Cover
No War Injury Cover
No Cosmetic Surgery Cover
No Obesity Treatment Cover
DIY Health Insurance (Other Benefits)
Wellness Benefit
No Loading
15% Online Discout
20% Accident Booster
HIV Cover
DIY Health Insurance (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 4 L to 15 L
Waiting Period - 30 Days
Future Generali Health Elite
A plan tailored for premium customers, providing high coverage and premium healthcare services.
Unique Benefits
15 Family Member Cover
High Sum Insured
Global Coverage
Health Elite (Pros)
Maternity Coverage
Newborn Baby Cover
Organ Donor Cover
Patient Care
Day Care Treatment
Health Elite (Cons)
No Congenital diseases
No Infertility Treatment Cover
No War Injury Cover
No Sex Change Cover
No Obesity Treatment Cover
Health Elite (Other Benefits)
Dental Consultations
Out-Patientt Treatment
Alternative Treatment
Medication Cover
Family Floater Discount
Health Elite (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 75 L to 6Cr
Waiting Period - 30 Days
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 6300+ 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.
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
Read what our customers have to say about Future Generali health insurance company
Bhavika Arora
Allahabad
March 18, 2024
I was looking for a term insurance plan online, then I landed on the PolicyX website, where I chose Future Generali Life Insurance plan. Their customer service team has supported me well.
Karan Lamba
Mumbai
March 15, 2024
I am a fitness freak, so my health insurance needed to come with loads of fitness-related benefits. The Future Generali Health Absolute was the best fit. Thanks PolicyX for this great recommend...
Vishwa Rao
Hyderabad
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...
nimrat sondhi
Ludhiana
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 ...
Somyak Handa
Pune
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
mangni Ram
Ahmedabad
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.
Sriparna Das
Dehradun
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
Happy Singh
Gurgaon
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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