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Overview
There should be no boundaries when it comes to your health!
The Future Generali Health Elite plan offers premium healthcare benefits globally 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.
Anybody residing within India or an individual who is a native Indian resident can get this comprehensive coverage plan, which 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.
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 Hospitalisation
In case of an unfortunate accident, the insurer will pay a higher sum insured for hospitalisation 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.
Exclusions
Permanent Diseases or Health Conditions Not Included
- 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
Diseases and Treatments Covered 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)
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.
