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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:
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 DETAILS |
Future Generali Health Total Plan |
Royal Sundaram Lifeline Plan |
| Product Type | Individual and Family Health Insurance | Individual and Family Health Insurance |
| Key Features (Key features of the plan) |
|
|
| OPD Details (In some policies, OPD (Out patient department) expenses are also covered.) |
Not Covered | Covered |
|
Room Rent (A limit of room rent cover during hospitalization if any) |
Covered | Covered |
| Domicillary Hospitalization (It is the expenses incurred on treatment of the patient at home) |
Covered | Covered |
| Pre-hospitalization (Expenses before the insured is hospitalized) |
Covered | Covered |
| Post-hospitalization (Expenses after discharge from the hospital) |
Covered | Covered |
| Day Care Treatment Covered (Day care treatments refers to the treatments that do not necessarily require 24hrs of hospitalization like MRI.) |
Covered | Covered |
| Hospital_network (Number of Hospital Network in city) |
10000 | 10000 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Not Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Not Covered | Not Covered |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Not Covered |
| Plan Entry Age | Day 1 - No Limit | 18 Years to No Upper Age Limit |
| Plan Premium Entry Age and S/A | 6,000 | 4284 |
| Plan Waiting Period | 30 Days | 30 |
| Plan Coverage | Hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, maternity and newborn cover, organ donor cover, domiciliary treatment. | - |
| Plan Sample Premium | 6,000 | 4284 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1,2,3 Years |
| ICU Charges | Covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Covered | Not Covered |
| Air Ambulance | Not Covered | Covered |
| Global Coverage | Covered | Covered |
| Claim Ratio | 95.5 | 96.17 |
| Solvency Ratio | 1.96 | 2.20 |
|
Future Generali Health Insurance Royal Sundaram Health Insurance |
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