Future Generali Insurance plans

Future Generali Future Aarogya Bima

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Future AarogyaBima is an affordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime. Available on Individual & Family floater basis.

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Future Generali Health Insurance
Future Generali Health Insurance sum insured
3 lacs − 100 lacs options available
Incurred Claims Ratio *
Health Insurance tenure options
Policy extends from 10 yrs to 30 yrs
Claims Settlement Ratio **
List of network hospitals
6,300+ hospitals
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
* As per IRDAI report for 2020-21   |   ** As per NL25 data published on the Insurance Company website

Future Generali Future Aarogya Bima benefits

  • Benefits
  • Coverage Description
  • Exclusions

Sum Insured options available (in ₹INR)

  • 2,00,000
  • 3,00,000
  • 5,00,000

Plan Options Available

  • Plan A : Mandatory co-payment of 10%
  • Plan B : Mandatory co-payment of 10% and additional co-payment of 20%
  • Plan C : Mandatory co-payment of 10% and additional co-payment of 30%
Co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

Policy Term

  • Minimum Policy Term : 1 year
  • Maximum Policy Term : 3 years


  • Minimum entry age of Proposer : 18 years
  • Maximum entry age of Proposer : 70 years
  • Minimum entry age of Child : Day 1
  • Maximum entry age of Child : 25 years
  • Maximum Renewal Age : Lifelong

Family Definition

  • Individual option:Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents.
  • Family Floater option:Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years).

Coverage Description of Future Generali Future Health Suraksha Policy

  • Inpatient Treatment
    • Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home Up to 1% of the Sum Insured per day for non-ICU room.
      • Co-payment will be applicable in case of admission in a room with rent higher than the entitled room limit.
    • Other Inpatient Expenses : Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc
  • Pre & Post Hospitalisation
    • From 60 days prior and 90 days post
  • Day Care expenses
    • Covers 409 procedures
  • Pre-Acceptance Medical Tests
    • No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.
    • Mandatory Pre-insurance medical examination if the Insured is 51 years and above.
    • Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
    • Medical Report Validity : 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre
  • Discount Features
    • Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.
    • Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.
  • Instalment Facility
    • Facility of instalment premium payment is available on monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
  • Co-payment
    • Co-payments shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
  • Loading on Claim experience
    • There will be no loading on premium for adverse claims experience.
  • Tax benefit
    • Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act

Exclusions of Future Generali Future Aarogya Bima

  • External Congenital Anomaly and related Illness/ defect
  • Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).
  • Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.
  • Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)
Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

Future Generali Health Insurance FAQ’s

Future Generali under this policy will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated provided that :
  • The organ donor is any person whose organ has been made available in accordance and in compliance with the Transplantation of Human Organs Act, 1994 and the organ donated is for the use of the Insured Person;
  • We will not pay the donor’s screening expenses or pre and post hospitalisation expenses or for any other medical treatment for the donor consequent on the harvesting;
  • We have accepted claim under Hospitalisation medical expenses for the Insured Person and the Insured Person has been Medically Advised to undergo an organ transplant;
  • Costs directly or indirectly associated with the acquisition of the donor’s organ will not be covered.

If an Insured Person suffers an Illness or Injury during the Policy Period in respect of which a claim has been admitted under Hospitalisation medical expenses then at the Insured Person’s request We will arrange a maximum of two e-opinions (in a Policy Year) from a Medical Practitioner selected by the Insured Person from Our panel. The e-opinion will be based only on the information and documentation provided to the Medical Practitioner by or on behalf of the Insured Person.

If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims incurred and paid during the Policy Year or incurred during the Policy Year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year, provided that:
  • The Restore Sum Insured will be enforceable only after the Sum Insured and the Cumulative Bonus have been completely exhausted in that Policy Year;
  • The Restore Sum Insured can only be used for claims made by the Insured Person in respect of Benefits 1-4 (refer policy wordings).
  • The Restore Sum Insured cannot be used for claims based on Maternity Expenses/Treatment;
  • The Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an Illness (including its complications) for which a claim has been paid in the current Policy Year under Benefits 1-4(refer policy wordings).
  • Only the Sum Insured (excluding Cumulative Bonus) will be considered as Restore Sum Insured;
  • The Restore Sum Insured will only be applied once for the Insured Person during a Policy Year;
  • If the Restore Sum Insured is not utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.
  • If the Policy is opted by You on a ‘Family Floater’ basis as specified in the Schedule, then the Restore Sum Insured will only be available in respect of claims made by those Insured Persons who were Insured Persons under the Policy before the Sum Insured and Cumulative Bonus was exhausted.
  • 24 months waiting period for: Pre existing conditions, Internal Congenital Anomalies, Cataracts, Benign Prostatic Hypertrophy Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, Hydrocele, All types of sinuses Fistulae, haemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth. Surgery for prolapsed inter vertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers, any types of gastric or duodenal ulcers, stones in the urinary and biliary systems, Surgery on ears and tonsils.
  • 48 months waiting period for Organ transplant, Rheumatoid Arthritis, Gout, Joint replacement due to degenerative condition age related osteoarthritis, Osteoporosis , unless such joint replacement surgery is medically necessary due to injury
  • First 30 days waiting period for medical expenses incurred for any illness diagnosed or diagnosable except those incurred as a result of Injury.


Review Future Generali Future Aarogya Bima brochure to understand coverage details.

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Proposal form

Fill the online Future Generali Future Aarogya Bima proposal form.

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Policy wordings

Review Future Generali Future Aarogya Bima policy wordings which explains the terms and conditions.

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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025