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Future Generali Health Suraksha Plan

Future Generali's Health Suraksha Plan is a health insurance policy de ...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 · 2,703 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
Written by Simran Nirala
Reviewed by Anchita Bhattacharyya
Published: 29 Jan 2025
Updated: 26 Jul 2026
Expert Verified
IRDAI Licensed

Overview

The Future Health Suraksha Plan is a health insurance policy designed to cover hospitalisation and treatment costs, helping to protect your savings. It includes expenses such as hospital stays, daycare procedures, ambulance charges, and treatment for illnesses or accidents.

The plan also covers pre and post-hospitalisation costs and offers benefits like health check-ups and cashless treatment at network hospitals. You can choose from different variants based on your budget and coverage needs.

It is a good option for families seeking affordable and basic health coverage, but the final benefits depend on the plan variant you select.

Specifications of the Future Generali Health Suraksha Plan

Plan Variants Gold Platinum Topaz Ruby
Sum Insured Options 50 K | 1 L | 1.5 L | 2 L | 2.5 L | 3 L | 3.5 L | 4 L | 4.5 L | 5 L 6 L | 7.5 L | 8 L | 9 L | 10 L 1 L | 2 L | 3 L | 4 L | 5 L 6 L | 7.5 L | 10 L

Exclusions

  • External or congenital anomaly and related illness
  • Dental treatment or surgery
  • Usage of intoxicating drugs or alcohol and treatment resulting thereof
  • Self-inflicted injury
  • Act of committing suicide/suicidal activities
  • Life-threatening adventure sports
  • Specific illness: 12 months
  • Congenital diseases: 24 months
  • Joint replacement surgery/organ transplant: 36 months
  • Pre-existing diseases: 48 months
  • Mental illness, HIV/AIDS & psychiatric illnesses: 48 months

Summary

Unpredictable medical emergencies can arise at any time, potentially draining your savings. The Future Health Suraksha plan offers comprehensive support for your healthcare needs on a cashless basis at its network hospitals. This ensures you remain protected during medical emergencies.

For more details about the Health Suraksha policy, connect with us at 1800 4200 269.

Plan at a glance

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

Entry age
Child: 90 days - 25 years, Adult: 18 - 70 years
Plan type
Individual and Family Health Insurance
Sum insured options
₹50 L, ₹1 L, ₹2 L, ₹4 L, ₹6 L, ₹8 L, ₹10 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

  • ICU charges
  • Pre-hospitalisation
  • Post-hospitalisation
  • Daycare treatment

Cons

  • Domiciliary hospitalisation
  • OPD charges
  • Maternity cover
  • Newborn baby cover

What's covered

A quick look at what this plan covers — and what it doesn't.

Hospitalization

  • Room rent Covered
  • ICU charges Covered
  • Pre-hospitalization Covered
  • Post-hospitalization Covered
  • Domiciliary hospitalization Not covered
  • Day-care treatment Covered
  • OPD charges Not covered
  • Covid-19 treatment Covered
  • Cataract Covered

Bonuses & restoration

  • No-claim bonus Covered
  • Automatic restoration of SI Covered
  • Daily hospital cash Covered

Family & special care

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

Modern & preventive care

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

Conditions & global

  • Co-payment Covered
  • Sub-limits Covered
  • Compassionate travel Covered
  • Global coverage Not covered

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 →

Who can buy this plan

Eligibility criteria pulled straight from the policy wording.

  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Frequently Asked Questions

The 6 most-asked questions about Future Generali Health Suraksha Plan, answered.

The major benefits of buying the Future Generali Health Suraksha plan are: It covers free health check-ups Portability benefits Covers legally wedded spouse and live-in partner You get lifelong renewability and many others
This comprehensive plan comes with 4 plan variants, as; Gold plan (SI- 50,000 to 5 Lakhs) Platinum plan (SI- 6 to 10 Lakhs) Topaz plan (SI- 1 to 5 Lakhs) Ruby plan (SI- 6 to 10 Lakhs)
If the policy proposer and their family members are equal to/not more than 50 years old, there’s no need for pre-policy medical check-ups. Also, if the SI is over 3 Lakhs (INR), no pre-acceptance check-ups are needed. Even if the need arises, the insurer will reimburse any pre-medical check-up expenses.
These are the discount options available under the Future Health Suraksha policy: Family discount- 10% (if covered more than 1 family member) Long-term discount- 5% (for 2-year policy) & 10% (for 3-year policy) Loyalty discount- 2.5% Age discount- 10% (equal to 65 years), 7.5% (66 - 70 years), 5% (71 - 75 years) & 4% (76 years & above)
Accidental hospitalization benefit under the Health Suraksha plan helps you enhance SI limits by 25% upto a max. of INR 1 Lakh.
If you have the Gold or Platinum plan variants, insured over 60 can claim upto INR 500 per day. If you have the Topaz or Ruby plan variants, insured over 60 can claim upto INR 350 per day.

Conclusion

The Future Generali Health Suraksha Plan is a well-balanced health plan offering decent coverage and

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