Future Generali Health Total Plan
  • SI Up to 1 Crore
  • Family Discounts
  • Avail Wellness Benefits
Future Generali Health Insurance
premium

Network hospitals

8430

premium

Claim settlement ratio

96.01%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

15

premium

Solvency Ratio

1.61

premium

Pan India Presence

121

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

premium

Network hospitals

8430

premium

Claim settlement ratio

96.01%

premium

Sum insured

Up to 10 Lakh

premium

No. of Plans

15

premium

Solvency Ratio

1.61

premium

Pan India Presence

121

Future Generali Health Total Policy

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. There is no limit to the maximum entry age and dependent children are covered up to 25 years of age. With an impressive 94% CSR along with a promise of a 3-hour claim settlement future generali health total is a reliable health insurance plan. Customers can avail of the best medical care in 6300+ network hospitals of Future Generali. We have highlighted many such features and benefits of Future Generali Health Total in this article in order to help you make a financially smart decision when investing in health insurance.

Recommended Videos

Future Generali Health Insurance

Future Generali Health Insurance

Future Generali Health Total At A Glance

Plan Type Min Entry AgeIndividual/ Family Floater
Sum InsuredVital - 3 | 5 | 10 L Superior - 15 | 20 | 25 L Premier - 50 L | 1 Crore
Network Hospitals6300+
Initial Waiting Period30 Days
No claim Bonus50% every claim-free year, up to 100% SI
RenewalLifelong

Read more specifications in the brochure.

Benefits of Future Generali Health Total Plan

There are a plethora of benefits involved with Future Generali Health Total. Lets have a look.

  • Long Term Discounts
    Future Generali Health Total plan offers individuals a family discount of 10% when more than 1 person is insured under the same policy. A long-term discount is also provided in case the policy term is more than 1 year.
  • Voluntarily Deductible Discount
    Under all three plan variants customers can earn deductible discounts between 10 to 25% on investing in Future Generali Health Total Plan.
  • Wellness Benefits
    Future Generali offers wellness benefits as per the plan variant selected by individuals. These benefits will include health risk evaluation and annual health checkups 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 is exhausted due to claims incurred and paid during the policy year or incurred during the policy year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year.
  • Tax Benefits
    Premiums paid towards Future Generali Health Total Plan will be eligible for tax benefits under the Income Tax Act of India.

Eligibility Criteria For Future Generali Health Total Plan

Below mentioned are the eligibility criteria for the future generali health total plan:

Child Entry Age

Minimum Child: 1 Day to 25 Years Adult: 1 Day

Adult Entry Age

Maximum: No Limit

Plan Type

Individual/ Family Floater

Policy Term

1/2/3 Years

Sum Insured

3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr

Initial Waiting Period

30 Days*

*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.

Choose Your Future Generali Health Total Plan

The plan provides coverage to its customers for the following specifications mentioned below:

What is Room Rent?

The room rent limit is the maximum amount of bed charge that you can claim if you are hospitalized.

Common Room categories covered under room rent are:

  • Private Single AC Room
  • Twin Sharing
  • General Ward

Coverage status under Future Generali Health Total Plan?

Under Future Generali Health Total Plan, the room rent is covered up to SI.

What are ICU Charges?

It is a special department in the hospitals where patients with serious medical conditions are treated.

Coverage status under Future Generali Health Total Plan?

Under Future Generali Health Total Plan, the ICU charges coverage is available up to S.I.

What is Pre Hospitalization?

Medical expenses incurred before the hospitalization of the policyholder.

Coverage status under Future Generali Health Total Plan?

Under Future Generali Health Total Plan, pre-hospitalization is covered for up to 60 days.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan covers medical expenses incurred during post-hospitalization for

  • Vital - 90 Days
  • Superior - 120 Days
  • Premier - 180 Days
What is Domiciliary Hospitalization?

Home hospitalization arrangements for the insured person due to the unavailability of medical amenities in hospitals. The treatment should last equal to or more than 72 hrs to get financial coverage.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan covers domiciliary hospitalizations maximum up to 10% of SI.

What is Daycare Treatment?

Treatments that can be treated in less than 24 hours of hospitalization like blood dialysis, cataract, etc.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan covers expenses of daycare procedures.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization.

Coverage status under Future Generali Health Total Plan?

OPD Charged are covered under Future Generali Health Total Plan

  • Vital - Not Covered
  • Superior - Up to INR 3,000 for an individual policy and INR 10,000 for a family floater
  • Premier - Up to INR 10,000 for an individual policy and INR 20,000 for family floater
What is COVID-19 Treatment?

COVID-19 treatment includes the cost of treatment for COVID-19 with a confirmative diagnosis from Govt. approved Centre.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan does not cover COVID-19.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan covers Cataract Treatment up to 10% of the Sum Insured for each eye, and a maximum of INR 1,00,000 per eye.

What is a No-Claim Bonus?

For every claim-free year, insurance companies reward policyholders with an increase in the Sum Insured amount as a no-claim bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage that varies from plan to plan.

Coverage status under Future Generali Health Total?

Future Generali Health Total Plan offers an additional 50% to the sum insured as a no-claim bonus for each claim-free year, a maximum of up to 100% of the sum insured.

What is Automatic Restoration?

Automatic restoration is a benefit in which an insurance company restores the sum insured amount completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from plan to plan.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan offers automatic restoration benefits.

What is Daily Hospital Cash?

It is a cash amount that you receive each day during the time of hospitalization.

Coverage status under Future Generali Health Total Plan?

The Daily hospital cash is available for individuals above 60 years under Future Generali Health Total Plan

  • Vital - INR 350/day
  • Superior - INR 500/day
  • Premier - INR 1,000/day
What is an Organ Donor Cover?

It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan the organ donor expenses are covered.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section procedure deliveries.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan Maternity Cover is available up to

  • Vital - (Normal Delivery) INR 15/20/25k and (C-sec) - INR 25/35/45k
  • Superior - (Normal Delivery) INR 30/40k and (C-sec) - INR 50/60k
  • Premier - (Normal Delivery) INR 50k and (C-sec) - INR 1 L
What is a New Born Baby Cover?

It takes care of the medical expenses that arise due to the hospitalization of the newborn baby in case of unforeseen circumstances. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Pre-mature delivery
  • Birth asphyxia
  • Day care treatment

Coverage status under Future Generali Total Plan?

Under the Future Generali Health Total Plan, the newborn baby cover is available as an automatic cover within Mother's/Floater Sum Insured under Superior and Premier plan variants.

What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

Coverage status under Future Generali Health Total Plan ?

Under the Future Generali Health Total Plan, AYUSH treatment is covered.

What is IVF Treatment?

In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are for:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, IVF is not available

What is a Modern Treatment?

Medical treatments that demand the use of modern technology such as robotic surgeries, stem cell therapy, etc.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, modern treatment is not covered

What is an Ambulance Cover?

An ambulance is used to move the patient from home to the hospital, transfer to another hospital, and take them for different tests outside the hospital.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan ambulance cover is available

  • Vital - Up to INR 1,500 and INR 1,500 as reimbursement in non-network hospitals
  • Superior - Up to actuals and INR 2,000 as reimbursement in non-network hospitals
  • Premier - Up to actuals and INR 5,000 as reimbursement in non-network hospitals
What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan air ambulance is not covered.

What is Compassionate Travel?

Refers to the traveling expenses of a family member of the insured person in case the policyholder gets admitted to a hospital outside his/her residential city.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, compassionate travel is not covered.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, global coverage is covered under the Premier plan variant after a waiting period of 4 years.

What is E-Consultation?

If a policy offers E-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, E-consultation is covered.

What is a Health Checkup?

A facility where the policyholder can avail of free health check-ups after fulfilling the company's policies.

Coverage status under Future Generali Health Total Plan?

Under the Future Generali Health Total Plan, a health check-up is not available.

What is a Second Medical Opinion?

If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan does not cover the expenses for a second medical opinion.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations is provided by the insurance companies.

Coverage status under Future Generali Health Total Plan?

Future Generali Health Total Plan covers vaccination expenses

  • Vital - Not Covered
  • Superior - INR 3,500
  • Premier - INR 5,000
What is Co-payment?

In the co-payment clause, policyholders have to pay a portion of the hospitalization expense on their own and the insurer will pay the rest of the amount.

Status under Future Generali Health Total?

20% co-payment where the entry age is from 60 years to 64 years

  • 25% co-payment where the entry age is from 65 years to 69 years
  • 30% co-payment where the entry age is from 70 years to 74 years
  • 40% co-payment where the entry age is 75 years and above
What is the Sub limit?

Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder.

Status under Future Generali Health Total?

No sub-limits are available

What is Not Covered Under Future Generali Health Total Plan?

The policy schedule has some exclusions that are mentioned below:

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

Future Generali Health Total Plan Premium Table

1 Adult

Sum Insured (In Rs.)5 L20 L50 L1 Crore
Premium (In Rs.)7,93213,18221,72829,450

Future Generali Health Total Plan Claim Process

To avail of claim settlement services, the insured individual must follow the process given below.

Cashless Claim Process

  • When admitted to a network Future Generali Hospital the insured individual must fill the pre-authorized form and show their future generali health card
  • The hospital will verify the insured individual’s identification documents as well as policy health card
  • Once verified, the insured individual can go back home and the hospital bill is settled between the insurance provider and the network hospital

Reimbursement Claim Process

  • Visit the official Future Generali General Insurance Website
  • Click on the “claim” button on the menu bar
  • Enter important details such as name, mobile number, email address, doctor’s number, policy number, hospital details, doctor details, date of admission, date of discharge, expenses amount and specify the treatment taken.
  • Once the documents are submitted the insurance provider will verify all the documents and reimburse the amount to the insured individual

Wrapping It Up

Future Generali Health Total is a versatile plan and if you have a large family it is an apt choice for you as it can cover up to 15 family members and provide you with a 10% family discount on covering more than one individual under the same policy. However, there are certain co-pay clauses that are mentioned in the coverage table mentioned above which must be read properly before making a purchase decision. The high value of the sum insured and flexible premium payment options make the plan an enticing choice.

Explore other Future Generali Health Insurance Plans

Future Generali offers a wide range of health insurance plans to fulfill the medical needs of individuals, families, and senior citizens.

Future Generali Advantage Top-Up

The plan acts as a top-up to your existing health insurance cover & supplements your existing health insurance when your basic health insurance cover is exhausted.

Unique Benefits

  • 2 variants to choose from
  • Cancer and heart issues covered
  • Daycare treatments covered

Advantage Top-Up (Pros)

  • Family Discount
  • Loyalty Discount
  • Floater Benefit
  • Easy Portability
  • Long Term Discount

Advantage Top-Up (Cons)

  • No War Injury Cover
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Advantage Top-Up (Other Benefits)

  • ICU Expenses
  • Specialist Fees
  • No Loading
  • Consultancy Cover
  • Operation Charges

Advantage Top-Up (Eligibility Criteria)

  • Entry Age - 1 Day
  • Max Entry Age - Lifelong
  • SI - 50 K to 1 Cr
  • Waiting Period - 30 Days

Future Generali Aarogya Bima

An extensive strategy that includes gay and bisexual individuals.This plan covers hospitalisation for both the live-in partner and the spouse.

Unique Features

  • Lifelong renewals
  • SI on Family Basis
  • Daycare treatments covered

Aarogya Bima (Pros)

  • 5% Long Term Discount
  • Hospitalization Benefit
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Aarogya Bima (Cons)

  • 10 % Copay
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Aarogya Bima (Other Benefits)

  • 5% Family Discount
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Aarogya Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2 L to 5 L
  • Waiting Period - 30 Days

Future Generali Arogya Sanjeevani

A health insurance plan that offers standard benefits as directed by the IRDAI. The plan offers coverage up to INR 10 Lakhs.

Unique Features

  • Cataract Treatments covered
  • Coverage for Modern Treatments
  • Avail up to 50% increase in SI

Arogya Sanjeevani (Pros)

  • Day Care Procedures
  • Inpatient Care
  • Plastic Surgery Due to Injury
  • Dental Cover
  • AYUSH Cover

Arogya Sanjeevani (Cons)

  • 4-Year WP For Joint Replacement
  • No Diabetics 2 Cover
  • No War Injury
  • 2 Year WP For Cataract
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • Cataract Cover
  • Post Hospitalization
  • Pre Hospitalization
  • Oral chemotherapy Cover
  • Stem cell therapy Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -NA
  • Waiting Period - 30 Days

Future Generali Critical Illness

A specialized cover designed to offer protection against 12 listed critical illnesses such as cancer, kidney failure, severe heart attack, total blindness and many more.

Unique Features

  • Lump sum payout on diagnosis
  • Floater Benefit available
  • Coverage up to 50L

Critical Illness (Pros)

  • Kidney Failure Cover
  • Liver Failure Cover
  • First Heart Attack Cover
  • Total Blindness Cover
  • Spouse Cover

Critical Illness (Cons)

  • No Birth Control Cover
  • No Hormone Replacement Cover
  • No War Injury
  • No Gender Change Cover
  • Cosmetic Surgery unavailable

Critical Illness (Other Benefits)

  • Family Floater Discount
  • Coma Cover
  • Open Chest Cover
  • Cancer Cover
  • Ambulance Cover

Critical Illness (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 50 L
  • Waiting Period - 30 Days

Health Super Saver comes with 2 plan options offering a 80% discount under the Super Saver Discount option**.

Unique Features

  • Home Health Care Services
  • Organ Donor Expenses
  • Daycare treatments

Health Super Saver (Pros)

  • Impatient Treatment Cover
  • Daycare Treatment Cover
  • Alternative Treatment Expenses
  • Maternity Benefits
  • Organ Donor Benefit

Health Super Saver (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Health Super Saver (Other Benefits)

  • Floater Benefit
  • Easy Portability
  • 10% Discount for Family Members
  • 80% No Claim Bonus
  • 100% Medical Reimbursement

Health Super Saver (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Health Suraksha Insurance

From simple daycare treatment to major operations, the plan comes out with various benefits to deal with the multiple needs of the policyholder.

Unique Features

  • Cumulative Bonus up to 50%
  • Flexible 4 plan variants
  • Compassionate benefit

Health Suraksha Insurance (Pros)

  • Hospitalization Expenses
  • Free Medical Checkup
  • Organ Donor Expenses
  • Loyalty Discount
  • Recharge of SI

Health Suraksha Insurance (Cons)

  • No Organ Transplantation Cover
  • Infertility Cover Unavailable
  • No STD covered
  • No Maternity Cover
  • Cosmetic Surgery unavailable

Health Suraksha Insurance (Other Benefits)

  • Renewal Benefits
  • Cataract Treatment Cover
  • Ambulance Cover
  • Inpatient Treatment Cover
  • Free Medical Checkup

Health Suraksha Insurance (Eligibility Criteria)

  • Entry Age -90 Days
  • Max Entry Age - 70 Years
  • SI - 50 Thousand To 10 L
  • Waiting Period - 30 Days

Future Generali Hospital Cash

The plan provides a daily hospital cash covering incidental expenses to both the insured and their family members.

Unique Features

  • Avail ICU outside your city
  • Additional convalescence benefit
  • No previous Mediclaim required

Hospital Cash (Pros)

  • ICU Benefit In Your City
  • Recovery Benefit
  • 10 Days ICU Benefit
  • Convalescence Benefit
  • Lifelong Renewal

Hospital Cash (Cons)

  • No Non-allopathic Treatment
  • No Cosmetic Surgeries
  • No Self-inflicted Injury
  • No Fertility-related Illnesses
  • No Obesity Treatment Cover

Hospital Cash (Other Benefits)

  • Daily Hospital Cash
  • Tax Benefit
  • No Loading
  • Easy Portability
  • Spouse Cover

Hospital Cash (Eligibility Criteria)

  • Entry Age - 6 Months
  • Max Entry Age - 65 Years
  • SI - NA
  • Waiting Period - 30 Days

Future Generali Personal Accident

The plan comes with 13 add-on covers and provides coverage against accidents.

Unique Features

  • Child Education support
  • No pre-medical test required
  • Repatriation & Funeral Benefits

Personal Accident (Pros)

  • Permanent Total Disability
  • 10% Family Discount
  • Easy portability
  • 14 Days Claim Settlement
  • Accident Death Cover

Personal Accident (Cons)

  • Domiciliary Treatment
  • Alcoholism Unavailable
  • Hazardous Activity not covered
  • Vaccination not covered
  • Cosmetic Surgery unavailable

Personal Accident (Other Benefits)

  • Permanent Partial Disability
  • Temporary Total Disability
  • Accidental Hospitalization Cover
  • Adaptation Allowance
  • Adventure Sports Benefit

Personal Accident (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 3 L to 50 L
  • Waiting Period - 30 Days

Future Generali Surakshit Loan Bima

Designed for loan borrowers & offers protection against the difficulties one may face during loan repayment due to accident, or in case of critical illness.

Unique Features

  • Coverage against 18 critical illness
  • 5 plan options to choose from
  • No Survival Period required

Surakshit Loan Bima (Pros)

  • Loss Of Job Cover
  • Total Disablement Cover
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Surakshit Loan Bima (Cons)

  • No Pregnancy Cover
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Surakshit Loan Bima (Other Benefits)

  • Medical Test Above 50
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Surakshit Loan Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 10 Thousand to 3 Cr
  • Waiting Period - 30 Days

Future Generali Varishta Bima

Specially designed for senior citizens and is available on an individual and family floater basis which includes the insured and their spouse. SI goes up to 10 lacs.

Unique Features

  • Avail Road Ambulance
  • Free medical check-up available
  • Advance Treatments covered

Varishta Bima (Pros)

  • Affordable Premium
  • Daycare Treatment Cover
  • Cataract Surgery
  • Tax Benefit
  • Knee Replacement Cover

Varishta Bima (Cons)

  • 50% CoPayment On PED
  • Alcoholism Unavailable
  • No Dental Cover
  • 10% Copay On Hospitalization
  • Cosmetic Surgery unavailable

Varishta Bima (Other Benefits)

  • Ambulance Charge
  • Free Annual Medical Checkup
  • 10% Long Term Discount
  • 10% Family Discount
  • Spouse Cover

Varishta Bima (Eligibility Criteria)

  • Entry Age - 60 Years
  • Max Entry Age - LifeLong
  • SI - 2 L to 10 L
  • Waiting Period - 30 Days

Future Generali HIV Disability Suraksha

A comprehensive plan that covers HIV/AIDS, Multiple disabilities, and chronic neurological disorders. This plan even covers Cerebral palsy.

Unique Features

  • Hospitalization Expenses
  • Cataract Treatment Cover
  • Acid Attack Victim Cover

HIV Disability Suraksha (Pros)

  • Sublimit For Room Rent
  • Speech Disability Cover
  • Hearing Impairment Cover
  • Mental Illness Cover
  • Intellectual Disability Cover

HIV Disability Suraksha (Cons)

  • No Global Coverage
  • No Vaccination Cover
  • 20% Copay
  • No Cosmetic Surgery Cover
  • No Stem Cell Storage

HIV Disability Suraksha (Other Benefits)

  • Autism Cover
  • AYUSH Treatment
  • Parkinson’s Disease Cover
  • Dwarfism Cover
  • Leprosy Cover

HIV Disability Suraksha (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

Future Generali Saral Suraksha Bima

This is an affordable accidental cover for you and your family. The plan covers disability and accidental death.

Unique Features

  • Education Grant
  • Parents Cover
  • Worldwide Coverage

Saral Suraksha Bima (Pros)

  • 5% Long Term Discount
  • Hospitalization Benefit
  • Death Cover
  • Loss Of Speech Cover
  • Deafness Cover

Saral Suraksha Bima (Cons)

  • 10 % Copay
  • No Hazardous Sports Cover
  • No War Injury
  • No Non-Allopathic Cover
  • Cosmetic Surgery unavailable

Saral Suraksha Bima (Other Benefits)

  • 10% Family
  • Kidney Failure Cover
  • Open Heart Surgery Cover
  • Brain Tumor Cover
  • Cancer Cover

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 70 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Future Generali DIY Health Insurance

A policy that allows the policyholder to customise and select what is best for them. The plan includes the accidental death cover of the primary member.

Unique Features

  • Maternity Benefits
  • Emergency Air Ambulance
  • Convalescence Benefit

DIY Health Insurance (Pros)

  • Non-medical Expenses Cover
  • Accompanying Person Cover
  • Alternative Treatments
  • Cumulative Bonus Booster
  • 3 Variant Plan

DIY Health Insurance (Cons)

  • No Suicide Coverage
  • No Vaccination Cover
  • No War Injury Cover
  • No Cosmetic Surgery Cover
  • No Obesity Treatment Cover

DIY Health Insurance (Other Benefits)

  • Wellness Benefit
  • No Loading
  • 15% Online Discout
  • 20% Accident Booster
  • HIV Cover

DIY Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 15 L
  • Waiting Period - 30 Days

A plan that provides physical & mental health coverage .The plan also includes accidental hospitalization and wellness benefits.

Unique Benefits

  • Diagnostic & Fitness Tracking
  • Discount on fitness
  • Discount on Health Brands

Health Absolute (Pros)

  • Home Health Care Expenses
  • Alternative Treatments
  • Accompanying Person Cover
  • E-Opinion Cover
  • 3 Variant Plan

Health Absolute (Cons)

  • No Newborn Baby Cover
  • No Infertility Treatment Cover
  • No War Injury Cover
  • No Joint Replacement Cover
  • No Obesity Treatment Cover

Health Absolute (Other Benefits)

  • Organ Donor Expenses
  • Maternity Expenses
  • Global Coverage
  • Emergency Medical Evacuation
  • Child Vaccination

Health Absolute (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Limit
  • SI - 3 L to 1Cr
  • Waiting Period - 30 Days

Future Generali Health Elite

A plan tailored for premium customers, providing high coverage and premium healthcare services.

Unique Benefits

  • 15 Family Member Cover
  • High Sum Insured
  • Global Coverage

Health Elite (Pros)

  • Maternity Coverage
  • Newborn Baby Cover
  • Organ Donor Cover
  • Patient Care
  • Day Care Treatment

Health Elite (Cons)

  • No Congenital diseases
  • No Infertility Treatment Cover
  • No War Injury Cover
  • No Sex Change Cover
  • No Obesity Treatment Cover

Health Elite (Other Benefits)

  • Dental Consultations
  • Out-Patientt Treatment
  • Alternative Treatment
  • Medication Cover
  • Family Floater Discount

Health Elite (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 75 L to 6Cr
  • Waiting Period - 30 Days

Future Generali Health Insurance Network Hospital List

With the benefit of cashless facility, you do not need to spend money on your treatment, as all expenses will be paid by the insurer itself. Future Generali has tie-up with more than 6300+ hospitals, which are known as You can go to a network hospital, get your treatment done and the insurer will settle the bill directly at the hospital.

Future Generali Health Total Plan : FAQs

1. What are the eligibility criteria under Future Generali Health Total Plan?

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,

2. Does Future Generali Health Total plan cover senior citizens?

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.

3. What are the plan variants available under future generali health total plan?

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

4. What are the various discounts available under Future Generali Health Ttotal plan?

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%.

5. Are tax benefits applicable on Future Generali Health total Plan?

Yes, premiums paid towards Future Generali Health Total Plan are eligible for tax benefits.

Other Health Insurance Companies

Future Generali Health Insurance Reviews

Read what our customers have to say about Future Generali health insurance company

Customer Review Image

Vishwa Rao

Hyderabad

May 31, 2022

One of the best health insurance companies available in India. In March 2021, my wife was diagnosed with Covid-19, and the company settled all my claims. Thank you Future Generali for helping a...

Customer Review Image

nimrat sondhi

Ludhiana

March 14, 2022

my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I ...

Customer Review Image

Somyak Handa

Pune

October 12, 2021

It has been an honour being with Furture generali for almost 10 years now...never goes back on their words. You can trust them to settle claims when in need

Customer Review Image

mangni Ram

Ahmedabad

October 12, 2021

Very amazing plans and helpful customer care service offered by Future Generali Insurance. I am impressed by the way this company works.

Customer Review Image

Sriparna Das

Dehradun

August 31, 2021

got recommended this company by a friend. Very pleased to have associated with them. Got my bills settled quickly after my husband was hospitalzed recently! Thanks a bunch

Customer Review Image

Happy Singh

Gurgaon

August 11, 2021

Best company with best services. Also, the team of policyx helped me very much. I will definitily tell my friends to buy this company policy

Customer Review Image

Rakhi Dave

Vadodara

August 11, 2021

One of the best health insurance company, that truly looks after its customer s needs. I am glad that I decided to buy this company s health insurance.

Customer Review Image

Radha Verma

Lukhnow

May 20, 2021

Very Good and trustworthy company. Got my claims settled in no time. Thankyou for looking after mine and my family s healthcare needs.

View All Future Generali Insurance Reviews

Simran Nirala

Written By: Simran Nirala

Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.