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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 DETAILS |
Future Varishta Bima Policy |
Icici Lombard Group Plan |
| Product Type | Senior Citizen Health Insurance | Group 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) |
Not 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 | 10600 |
| Organ Donor Expenses (Expenses incurred on organ donor in case of organ transplants) |
Not covered | Covered |
|
Hospital Daily Allowance (Some plans offer daily allowance to take care of expenses like food, etc) |
Not covered | Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
Covered | Applicable |
| Co-pay (Mentioned %, if any is to be borne by Insured and rest will be borne by insurer) |
Covered | Applicable |
| Plan Entry Age | 60 years to No Limit | Min- 180 days, Max- 95 years |
| Plan Premium Entry Age and S/A | 10505 | 1300 |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | Hospitalization expenses, pre and post-hospitalization expenses, daycare treatments, ambulance cover, annual health check-up | Hospitalization expenses, pre and post hospitalization, daycare treatments, maternity add-on, diagnostic and surgical costs |
| Plan Sample Premium | 10505 | 1300 |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1 Year |
| ICU Charges | Not covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Covered |
| Automatic Restoration | Not covered | Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not covered | Covered |
| Air Ambulance | Not covered | Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 95.5 | 97.16 |
| Solvency Ratio | 1.96 | 2.69 |
|
ICICI Lombard Health Insurance Review |
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