Future Generali Insurance Plans

Individual & Family Plans
Specialized Plans
50+ Critical illness covered

Network hospitals

8430

Incurred claim ratio

79.18%

Sum insured

Up to 6 CR

No. of Plans

Solvency Ratio

1.8

Pan India Presence

121

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

1 Adult

2 Adults

2 Adults & 1 Child

2 Adults & 2 Children

2 Adults & 3 Children

Other Members

Age of Eldest Member

Network hospitals

8430

Incurred claim ratio

79.18%

Sum insured

Up to 6 CR

No. of Plans

Solvency Ratio

1.8

Pan India Presence

121

List of Future Generali Health Insurance Plans

Future Generali Health Insurance offers various health products to cater to the healthcare needs of every individual. At present, Future Generali has come up with 13 health insurance plans. Have a look at the table below to get an insight into the types of plans offered.

Individual & Family Health Insurance Plans

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

Future Generali Health Super Saver

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 Health Specialized Plans

Future Generali Health Total Policy

A comprehensive health insurance plan that provides coverage against medical expenses. Moreover, the plan also looks after your overall well-being.

Unique Features

Coverage for Mental Illness
E-opinion for illness or injury
Maternity Expenses covered

Health Total Policy (Pros)

Consultation Cover
Newborn Baby Cover
Organ Donor Cover
Cumulative Bonus
15 Family Member Cover

Health Total Policy (Cons)

Congenital diseases
Illness Due To Alcohol
Sex Change Treatment
Hormone Replacement Therapy
No Obesity Treatment Cover

Health Total Policy (Other Benefits)

Dental Consultations
Out-Patientt Treatment
Wellness Care
Medication Cover
OPD Cover

Health Total Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 65 Years
SI - NA
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

Future Generali Health Absolute

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.