Future Generali Health Total Plan

Overview

Future Generali Health Total is a holistic, comprehensive health insurance plan that offers a multitude of features, such as coverage 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 healthcare needs. The plan has wide coverage under three different plan variants with various sum insured options:

• Vital: 3, 5, or 10 Lakhs
• Superior: 15, 20, or 25 Lakhs
• Premier: 50 Lakhs 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.

Benefits of Future Generali Health Total Plan

There are a plethora of benefits involved with Future Generali Health Total. Let's take a look:

Family and 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 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.

Exclusions

The Future Generali Health Total plan does not cover:

• Cosmetic treatments (for change of life, cosmetic, or aesthetic treatment of any description) and 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.