Buy Future Generali Health Elite Plan Online In India
Buy Now
Summarize with
ChatGPT Claude Perplexity
Future Generali Health Insurance Future Generali Health Insurance ★ 4.4

Future Generali Health Elite Plan

Future Generali Health Elite plan offers premium healthcare benefits g ...Read More

Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
📄 Download brochure
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,697 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement

About Future Generali Health Elite Plan

A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.

There should be no boundaries when it comes to your health!

Future Generali Health Elite plan offers premium healthcare benefits globally that come with a sum insured value of up to 6 crores. This impressive plan covers you without any sub-limit restrictions. This health insurance plan provides holistic wellness benefits beyond conventional insurance plans, such as domiciliary hospitalisation, OPD care, mental health coverage, air ambulance service, and worldwide emergency healthcare services.

So, anybody residing within India or an individual who is a native Indian resident can get this comprehensive coverage plan that comes with lifelong renewability. But there's more!

There are many more benefits attached to this single health insurance policy. To learn more about the Future Generali Health Elite insurance policy, read on.

Plan at a glance

Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.

Entry age
91 days
Plan type
Individual and Family Health Insurance
Sum insured options
₹75 L, ₹1 L, ₹4 L, ₹6 L
Waiting period
30 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.

Pros & cons

A quick honest summary — the strengths and the trade-offs.

Pros

  • Room rent covered
  • ICU charges
  • Pre and post hospitalisation
  • Domiciliary hospitalisation
  • Daycare treatment

Cons

  • Congenital diseases
  • Change of gender treatment
  • Sterility and infertility treatment

What's covered

Every CMS-driven coverage flag from the plan wording — only items with a published value render below.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Covered
  • Day-care treatment Covered
  • OPD charges Covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Not covered

Family & special care

  • Maternity cover Covered
  • New-born baby cover Covered
  • IVF treatment Not covered
  • AYUSH treatment Covered
  • Organ donor expenses Covered

Modern & preventive care

  • Modern treatment Not covered
  • Road ambulance Covered
  • Air ambulance Covered
  • E-consultation Covered
  • Health check-up Covered
  • Second medical opinion Not covered
  • Vaccination Covered

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Covered

Benefits of FG Health Elite Insurance Plan

  • Long-term & family discount

    For a policy of 3 years, you get a discount of 10%. For a policy period of 2 years, you can avail of a discount of 7.5%. For a family floater policy (more than one member), get up to a 10% family discount.

  • Dental treatment

    The insurer will pay up to 70% for dental diagnostics and related consultation expenses.

  • Accidental hospitalization

    In case of an unfortunate accident, the insurer will pay a higher sum insured for hospitalization related to it.

  • Global medical treatment

    You can avail of global treatment benefits like return airfare, treatment of critical illnesses, medical emergencies, and repatriation of mortal remains (excluding the USA and Canada).

  • Wellness benefits

    Insured members will receive value-added services and wellness reward points (maximum 200 points per member in the policy) by maintaining good health and a balanced lifestyle. These points can later be used for availing discounts on premiums at renewal.

  • Optional covers

    If you feel the coverage benefits of this comprehensive plan aren’t enough, here are the optional covers you can get:

    • Co-pay waiver: This cover will waive the co-payment limits for treatments taken abroad.
    • Treatment in USA & Canada: All specified benefits under global coverage can be availed under this cover.

  • Hearing & vision aid

    If insured members need coverage for hearing impairment or vision correction treatments, the insurer covers prescribed spectacles/contact lenses and hearing aids as per specified categories up to the mentioned sub-limits. This benefit can only be availed every alternative policy year.

Future Generali Health Insurance Network Hospital List

Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance 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 Hospitals →

Inclusions & exclusions

What the plan pays for, and what it doesn't.

Exclusions

  • Permanent diseases or health conditions not included under the Future Generali Health Elite Plan are:
  • Congenital diseases and similar illnesses
  • Alcoholism, drug abuse, and related treatment
  • Injury or illness caused by war, invasion, civilian unrest, etc.
  • Change of gender treatment
  • Sterility and infertility treatment
  • Drugs and treatment procedures not prescribed by doctors
  • Certain diseases and treatments are covered under this plan after a specific waiting period:
  • Specific illness: 24 - 48 months
  • Pre-existing diseases: 24 months
  • Maternity expenses: 24 months (if proposer & spouse covered), 48 months (if only proposer/female covered)

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Minimum entry age: 18 years
  • Maximum entry age: 65 years
  • Initial waiting period: 30 days
  • Sum insured: Up to 6 Cr

Other features & benefits

Wrapping It Up

The Future Generali Health Elite policy covers all your healthcare requirements with a premium service model. Regular health insurance policies often lack wellness management or rewarding benefits for maintaining health and fitness, but the Future Generali Health Elite plan includes them.

With a bundle of premium healthcare benefits available, there's no need to wait. Get your FG Health Elite policy in just a few clicks.

Future Generali Health Elite Plan: FAQs

The 7 most-asked questions about Future Generali Health Elite Plan, answered.

You can include 15 members of your family under a single policy. The term family in this policy refers to: Self Spouse/ Live-in partner Children Parents Parents-in-law Dependent siblings Daughter-in-law Son-in-law Grandparents Grandchildren
Yes, buying this policy for seniors, availing global coverage including USA and Canada, availing a waive-off for the co-pay cover, long instalments for paying premiums, etc can increase the loading of your policy.
It covers medical treatment received abroad, emergency ambulance services, and repatriation/carriage of mortal remains which sets this policy apart from other options available in the market.
The holistic wellness benefits under FG Health Elite comprehensive policy can be availed after getting involved in wellness activities such as: Maintaining happiness index and stress score Wellness assessment from experts designated for it Participating in lifestyle and wellness monitoring activities Tracking fitness and healthy lifestyle
An insured individual who is 18+ can avail of the following benefits under this policy: Tele-counselling through FG insure application Health content consumption about physical and mental well-being Access the webinars related to physical and mental wellness Collecting vouchers to avail additional benefits like medication and diagnostics at the networking hospitals Can avail of the yearly health check-up benefits to maintain a healthy and balanced lifestyle
You can choose the sum insured option as per your healthcare needs from a range of 75 Lakhs, 1 Cr, 1.5 Cr, 2 Cr, 2.5 Cr, 3 Cr, 3.5 Cr, 4 Cr, 4.5 Cr, 5 Cr, 5.5 Cr, 6 Cr.
Yes, an individual whose age is 18 and above has to go through pre-policy medical examinations.

Conclusion

A premium health plan with global coverage and high benefits, ideal for those seeking extensive cove

Explore Future Generali Health Insurance

Health Insurance Articles

Health Insurance Premium Calculator

PolicyX.com premium calculator offers premium comparison for some of the best health plans in India. Input your details and find the most suitable health insurance policies for your requirements.

Written and reviewed by

PolicyX content is researched in-house and reviewed by an IRDAI-certified insurance specialist before publication.

Written by Simran Nirala — Health & Term Insurance Reviewed by Anchita Bhattacharyya — Health, Term & Life Insurance
Last updated: 30 Jan 2025 · Originally published: 30 Jan 2025

Compare Health Insurance Plans

Select a company and plan for each side to see a detailed side-by-side comparison.

Other Health Insurance Companies

Star Health Insurance HDFC Ergo Health Care Health Insurance Aditya Birla Health ICICI Lombard Health Bajaj Allianz Health Tata AIG Health SBI Health Insurance

Share your Valuable Feedback

Rating Icon 4.9

Rated by 60 customers

Was the Information Helpful?

Select Your Rating

We would like to hear from you

Let us know about your experience or any feedback that might help us serve you better in future.

Reviews and Ratings

Do you have any thoughts you'd like to share?

📞 Call Free