Future Generali Health Absolute Plan

Overview of Future Generali Health Absolute Plan

Future Generali Health Absolute is a comprehensive health insurance plan with three plan variants and a wide range of sum insured options. The plan offers extensive coverage and helps policyholders manage their everyday lifestyle efficiently. FG Health Absolute not only covers hospitalization expenses but also includes benefits like annual health check-ups, mental health consultations, guidance towards a healthier lifestyle, and wellness rewards.

With embedded health and wellness features like fitness tracking, teleconsultations, and discounts on health and fitness brands, the plan offers a complete solution for individuals seeking to develop a healthy mind and body for themselves and their loved ones. By investing in the FG Health Absolute plan, individuals can cover up to 15 family members, providing them with holistic health and wellness coverage. This health insurance plan is a complete package for those seeking comprehensive coverage that not only protects during adversity but also rewards and tracks health and wellness, helping prevent ailments and sickness.

Plan Variants and Sum Insured Options

• Classic: 3, 5, and 10 Lakhs
• Platinum: 15, 20, 25, 30, and 35 Lakhs
• Signature: 50, 75 Lakhs, and 1 Crore

Exclusions

The Future Generali Health Absolute plan does not cover:

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

Waiting Periods

• Initial Waiting Period: 30 Days
• For Listed Conditions: 2-3 Years
• Pre-existing Diseases: 2 Years

Benefits of Future Generali Health Absolute Plan

Purchasing the FG Health Absolute health insurance plan entitles customers to numerous benefits and features:

Wellness Benefits

The FG Health Absolute plan not only cares for you and your family during medical adversity but also motivates you with tools to maintain a healthy lifestyle. These wellness benefits include value-added services and reward points. Teleconsultations, webinars, regular health check-ups, vouchers for health and fitness brands, and wellness content are some of the many features offered.

Wide Scope of Cover

Future Generali Health Absolute provides a wide scope of cover through its varied sum insured options under Classic, Platinum, and Signature variants. The plan covers up to 15 family members with benefits like sum insured restoration, maternity benefits, AYUSH treatment, international treatment, e-opinions, and more.

Additional Wellness Benefits

Future Generali offers wellness benefits based on the selected plan variant. These include health risk evaluation and annual health check-ups such as Complete Blood Count, Urine Routine, Random Blood Sugar, and more.

Voluntary Deductible Discount

Under all three plan variants, customers can earn deductible discounts between 8% to 25% when investing in the Future Generali Health Absolute Plan.

Multiple Discounts

Individuals investing in the FG Health Absolute insurance plan can earn multiple discounts:

• Family Discount: Under the individual Sum Insured (SI) option, a 10% family discount applies if more than one insured is covered under the same policy.
• Renewal Discount: Any unutilized reward points earned under the wellness benefit will be applied as a renewal discount on the premium at the time of policy renewal.
• Long-Term Discounts: Applicable if an individual purchases the FG Health Absolute plan for more than a 1-year policy tenure. A 7.5% discount applies for 2 years, and a 10% discount applies for 3 years.

Tax Benefits

All premiums paid towards the FG Health Absolute plan are eligible for tax benefits under the Income Tax Act of India.

Future Generali Health Absolute Plan Premium Table

Below is an individual premium for the 26-30 years age group.