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Future Varishta Bima Policy
10505
VS
Super Top Up Plan
NA
Enjoy every moment of your senior citizenship with Future Varishta Bima for senior citizens!
Future Generali Varishta Bima policy is a specially designed health insurance plan for senior citizens that protects them with good healthcare and from financial loss. This policy comes with a family floater option and has a lifelong renewability benefit that allows you to stay protected no matter what.
Additionally, if you get yourself and your spouse covered under a family floater plan, you can avail of family and long-term discounts. An important fact to note here, the policy proposer and insured member need to go through a pre-acceptance medical check-up which the insurer will reimburse up to 50% of the expenses on the check-up.
The rest of this plan's features, benefits and eligibility criteria are covered on this page, read on to learn more.
| PLAN DETAILS |
Future Varishta Bima Policy |
Super Top Up Plan |
| Premium Including GST | ||
| Product Type | Senior Citizen 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 | Not 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 | Not 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 | 15000 |
| 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 | Not Covered |
| Ambulance Charges (Expenses incurred on ambulance charges) |
Covered | Covered |
|
Maternity Benefits (All Hospitalization cost covered at the time of pregnancy.) |
Not covered | Not Covered |
| New Born Baby Covered (Newborn babies can be covered under the insurance plan after a certain period) |
Not covered | Not Covered |
| Health Checkup (An added benefit of one time full health checkup of policy holder.) |
Covered | Not Covered |
|
Sub Limit (Sub-limit is a monetary capping that applies on specific diseases like cataract) |
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 | 60 years to No Limit | 18 years to No maximum limit |
| Plan Premium Entry Age and S/A | 10505 | NA |
| Plan Waiting Period | 30 | 30 |
| Plan Coverage | - | Top-up & Super Top-up cover |
| Plan Sample Premium | 10505 | NA |
| Plan Brochure | Brochure URL | Brochure URL |
| Policy Term | 1, 2, 3 Years | 1,2,3 years |
| ICU Charges | Not covered | Covered |
| Covid-19 Treatment | Covered | Covered |
| Cataract | Covered | Not Covered |
| Automatic Restoration | Not covered | Not Covered |
| Ayush Treatment | Covered | Covered |
| Modern Treatment | Covered | Covered |
| E Consultation | Not covered | Not Covered |
| Air Ambulance | Not covered | Not Covered |
| Global Coverage | Covered | Not Covered |
| Claim Ratio | 95.5 | 98 |
| Solvency Ratio | 1.96 | 1.76 |
|
Manipal Cigna Health Insurance Plan Detailed Review |
||
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