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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 Varishta Bima Policy
Future Generali Varishta Bima is a specially designed health insurance ...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 Varishta Bima Policy
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
Future Generali Varishta Bima policy is a specially designed health insurance plan for senior citizens that protects them from financial loss and ensures access to quality healthcare. This policy comes with a family floater option and offers lifelong renewability, allowing you to stay protected.
Additionally, if you cover yourself and your spouse under a family floater plan, you can avail of family and long-term discounts. An important note: the policy proposer and insured member must undergo a pre-acceptance medical check-up. The insurer will reimburse up to 50% of these expenses.
Further details on this plan's features, benefits, and eligibility criteria are provided on this page. Read on to learn more.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
60 years to No Limit
Plan type
Senior Citizen Health Insurance
Sum insured options
₹2 L, ₹5 L, ₹7 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
- Room Rent
- Pre-hospitalization
- Post-hospitalization
- Daycare Treatment
Cons
- ICU Charges
- Domiciliary Hospitalization
- OPD Charges
- Organ Donor Expenses
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 Not 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 Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Covered
- Organ donor expenses Not 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 Not covered
- Global coverage 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.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
Exclusions
- Dental surgery or any related treatment unless resulting from an accident/injury
- Any external congenital diseases
- Maternity and related expenses
- Gender change treatments or hormone replacement therapy
- Alcoholism or drug abuse and treatments resulting from the same
- Breach of law or unlawful actions
- Pre-existing diseases (PEDs): 12 months
- Listed diseases/conditions like internal congenital anomalies, varicose veins and varicose ulcers, all diseases of the prostate, all types of hernia, varicocele, hydrocele: 24 months
- Mental illness or psychiatric illness, AIDS, HIV: 48 months
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Min Entry Age: 65 years
- Max Entry Age: No Limit
- Initial Waiting Period: 30 days
- Sum Insured: Up to 10 Lakhs
Other features & benefits
- AYUSH Treatment Covered
- Modern Treatment
- Health Check-up
- Co-payment
Future Generali Varishta Bima Policy: FAQs
The 5 most-asked questions about Future Generali Varishta Bima Policy, answered.
It is a senior citizen health insurance plan that covers your senior parents’ healthcare expenses and supports them with their savings.
Any senior citizen from age 60 and above should buy this policy as it won’t only provide them healthcare protection but also the satisfaction of being taken care of when in need.
Yes, a pre-acceptance medical check-up is required to buy this policy and the company will reimburse 50% of the expenses of check-ups.
Yes, you can buy the Future Varishta Bima plan for your wife under the family floater option.
The sum insured options available under Future Varishta Bima are 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7.5 Lakhs, and 10 Lakhs.
Conclusion
A basic senior citizen health plan offering essential coverage and lifelong renewability.
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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