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Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali Health Total Plan
Future Generali Health Total is a holistic, comprehensive health insur ...Read More
Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,703 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
About Future Generali Health Total Plan
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
Future Generali Health Total is a holistic, comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family members, maternity cover, mental illness cover, organ donor cover, and a high sum insured for you and your family's health care needs. The plan has wide coverage under 3 different plan variants with different sum insured options, namely:
- Vital - 3 | 5 | 10 L
- Superior - 15 | 20 | 25 L
- Premier - 50 L and 1 Crore
The plan is available on an individual and family floater basis, with unique eligibility criteria covering individuals from 1 day old. There is no maximum entry age limit, and dependent children are covered up to 25 years of age. With an impressive 94% Claim Settlement Ratio (CSR) and a promise of a 3-hour claim settlement, Future Generali Health Total is a reliable health insurance plan. Customers can avail the best medical care in over 6300+ network hospitals of Future Generali. This article highlights the features and benefits of Future Generali Health Total to help you make an informed decision when investing in health insurance.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Day 1 - No Limit
Plan type
Individual and Family Health Insurance
Sum insured options
₹3 L, ₹5 L, ₹10 L, ₹15 L, ₹20 L, ₹25 L, ₹50 L, ₹1 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
- Daily hospital cash
- maternity cover
- newborn baby care
- modern treatment cover
- global coverage.
Cons
- OPD charges
- second medical opinion
- IVF treatment
- air ambulance cover
- compassionate travel.
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 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 Covered
- New-born baby cover Covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Covered
Modern & preventive care
- Modern treatment Covered
- Road ambulance Covered
- Air ambulance Not covered
- E-consultation Covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Covered
- Sub-limits Not covered
- Compassionate travel Not covered
- Global coverage Covered
Video reviews
Walkthroughs from the PolicyX team — pros, cons, real claim experiences and who should buy.
Future Generali Health Insurance
This video talks about Future Generali Health Insurance in detail. It talks about the Solvency Ratio, Claim Support Ratio which helps an individual to analyze the Claim settling ability of the Insurer.
Benefits of Future Generali Health Total Plan
There are a plethora of benefits involved with Future Generali Health Total. Let's take a look.
- Long-Term Discounts
Future Generali Health Total plan offers a family discount of 10% when more than one person is insured under the same policy. A long-term discount is also provided for policy terms longer than one year. - Voluntary Deductible Discount
Under all three plan variants, customers can earn deductible discounts between 10% to 25% when investing in Future Generali Health Total Plan. - Wellness Benefits
Future Generali offers wellness benefits based on the plan variant selected. These benefits include health risk evaluation and annual health check-ups such as Complete Blood Count, Urine Routine, Random Blood Sugar, and more. - Restoration Benefit
The plan benefit states that if the sum insured and the cumulative bonus are exhausted due to claims incurred and paid during the policy year or incurred during the policy year and accepted as payable, then a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for that Policy Year. - Tax Benefits
Premiums paid for Future Generali Health Total Plan are eligible for tax benefits under the Income Tax Act of India.
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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Cosmetic treatments (for change of life, cosmetic, or aesthetic treatment of any description), 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.
- Sterility and infertility.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Minimum age: 1 day
- Maximum age: No limit.
Other features & benefits
- Organ donor cover
- family floater benefits
- e-consultations
- daycare procedures cover.
Future Generali Health Total Plan: FAQs
The 5 most-asked questions about Future Generali Health Total Plan, answered.
The minimum entry age for future generali health total is 1 Day. There is no upper entry age limit in the plan. However, dependent children will be covered up to the age of 25 years. For more details, you can download the future generali health total brochure linked in the article.
Yes, the plan offers coverage to senior citizens as there is no upper limit on the entry age. However, there are certain co-pay clauses that are applicable in the policy with certain age brackets.
There are 3 plan variants available for customers to opt from under the plan, namely Vital - 3/5/10 L Superior - 15/20/25 L Premier - 50 L and 1 Crore
Insured individuals can avail of a family discount of 10% under the future generali health total plan on including more than 1 individual under the same policy. Moreover, under all three plan variants customers can earn voluntary deductible discounts between 10 to 25%.
Yes, premiums paid towards Future Generali Health Total Plan are eligible for tax benefits.
Conclusion
A well-rounded health plan with wide coverage and multiple variants, offering good benefits for fami
Explore Future Generali Health Insurance
Future Generali Health Premium Calculator
Future Generali Maternity Insurance
Future Generali Claim Settlement Ratio
Future Generali Renewal
Future Generali Customer Service
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