Future Generali Insurance plans

Future Generali Future Varishta Bima

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Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime. Available on Individual & Family floater basis.

Future Generali Health Insurance Review

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 Varishta Bima benefits

  • Benefits
  • Coverage Description
  • Exclusions

Sum Insured options available

  • 2,00,000
  • 3,00,000
  • 4,00,000
  • 5,00,000
  • 7,50,000
  • 10,00,000

Policy Term

  • Minimum Policy Term - 1 year
  • Maximum Policy Term - 3 year


  • Minimum entry age of Proposer: 60 years
  • Maximum entry age of Proposer: Lifelong
  • Maximum Renewal Age: Lifelong

Family Definition

  • Insured and Insured spouse

Pre-insurance medical examination

  • Applicable for proposal form with any medical declaration for any sum insured
  • Mandatory Pre-insurance medical examination for sum insured ₹ 7.5 L and ₹ 10 L

Coverage Description of Future Generali Future Varishta Bima 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
  • Additional Covers
    • Road Ambulance charges, Free Annual medical check-up
  • Pre-Acceptance Medical Tests
    • Pre-insurance medical examination will be conducted on the basis of adverse medical declarations in the proposal form, age of member, sum insured opted.
    • 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
  • Family discount
    • 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:Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.
    • 10% discount if the insured produces the latest medical reports within 15 days of the tests done along with the proposal form and the proposal is accepted. This is available for Sum Insured options of ₹ 2L, 3L, 4L and 5L.
    This discount will not be applicable for further renewals.
  • 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.
      • 50% co-payment is applicable for claim related to Pre-existing disease
      • 25% co-payment is applicable for all other claims. However the Insured has an option to waive off this co-payment on payment of additional premium.
  • Sub limits applicable for specified procedure
    • Sub limits applicable for specified procedures under this policy. Co-payment will not be applicable in case there is a claim for these specified procedures.
  • 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 Varishta 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 has an extensive network of 5,100+ network hospitals across India. One must get admitted to a network hospital in order to avail cashless treatment for their illness. One can get the Future Generali Health Insurance network hospital list which is available "Hospital list link"

  • 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.
The PPC details are as per the table below :
Plans Vital Superior Premiere
Age Band Upto 50 years Above 50 years From 18 years to 50 years Above 50 years From 18 years to 50 years Above 50 years
Medical tests Not Required Required Required Required Required Required

Proposals with health declarations may also be advised Pre policy medical examinations irrespective of age. Pre policy tests need to be done in the empanelled diagnostic centers only. The test would be valid for a period of one month from the date the tests have been conducted.
You can port your existing health insurance policy to Future Generali’s Health plan. The below supporting documents will be required:
  • Portability Form
  • Proposal Form
  • Previous insurance policy copies of last 4 years


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

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Proposal form

Fill the online Future Generali Future Varishta Bima proposal form.

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Policy wordings

Review Future Generali Future Varishta 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