Future Generali Insurance plans

Future Generali Future Health Surplus

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* Name, Email Id & Mobile No. are required 

Future Health Surplus is a high deductible health insurance plan which can easily act as a top up to one’s existing basic health insurance, which covers medical expenses from hospitalisation following a sickness or accident. Given that at these times, when medical expenses are getting beyond everyone’s reach, this is an ideal way to enhance coverage with reasonable additional premium.

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 Health Surplus benefits

  • Benefits
  • Coverage
  • Exclusions

Plan options of Future Health Surplus

  • Available on Individual & Family floater basis.
  • (Family Floater option can cover family members which include Self, Spouse and 2 dependant children upto 25 years)

Eligibility of Future Health Surplus - Entry Age

  • Adults: 18 years to 65 years with a lifetime renewal option.
  • Children: 3 months to 25 years can be covered if parent(s) are concurrently insured with Future Generali.

Maximum Sum Insured

The sum insured options are as per the table below:
Sum Insured (₹ INR) Deductible per hospitalisation (₹ INR)
3,00,000 2,00,000
5,00,000 2,00,000-3,00,000
7,00,000 3,00,000
10,00,000 5,00,000

Coverages of Future Generali Future Health Surplus

  • Inpatient Treatment
    • Room, board and nursing expenses for a minimum period of 24 hours.
    • Other Inpatient Expenses: Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc
  • Pre-Acceptance Medical Tests
    • Age up to 55 years: Medical tests waived subject to no adverse health declaration on the proposal form.
    • Over 55 years: Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
    • Medical Report Validity: 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

Exclusions of Future Generali Future Health Surplus

  • Waiting Periods: All Illnesses and treatments shall be covered subject to the waiting periods specified below:
    • Pre-Existing Disease - Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us.
    • Specified disease/procedure waiting period- Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 36 months of continuous coverage
    • Mandatory Waiting Period: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims
  • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
  • Rest Cure, rehabilitation and respite care
  • Obesity/ Weight Control: Expenses related to the surgical treatment of obesity that does not fulfil specific conditions
  • Change-of-Gender treatments
  • Cosmetic or Plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) orCancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered amedically necessity, it must be certified by the attending Medical Practitioner.
  • Hazardous or Adventure sports: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but notlimited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-seadiving
  • Breach of law: Code- Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law withcriminal intent.
  • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
  • Dietary supplements and substances which are available naturally and that can be purchased without prescription, including but not limited toVitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day careprocedures.
  • Unproven Treatments: Code- Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments aretreatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
  • Birth control, Sterility and Infertility
  • Injury or Disease 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).
  • Circumcision, unless necessary for treatment of a disease, not excluded hereunder or as may be necessitated due to an accident.
  • Vaccination (except as post-bite treatment) inoculation
  • Dental treatment or surgery of any kind unless requiring hospitalisation as a result of accidental Bodily injury.
  • Venereal /Sexually Transmitted disease other than HIV/AIDS, intentional self-Injury.
  • Congenital external illness/ disease/ defect anomaly.
  • Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials.
  • Costs incurred on all methods of treatment including Alternative treatments/ AYUSH treatment other than Allopathy.
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

Under cashless hospitalization, the insured person does not settle the hospitalization expenses at the time of discharge from hospital. The settlement is done directly by us for treatment that the insured person is eligible to receive under the terms of his/her policy. This is for your convenience. However, it is important to note here that prior approval is required from us before admission into the hospital. In some cases, you may have to pay for all or part of the treatment if it is not fully covered under the terms of the policy. However, in case of emergency hospitalization, you can obtain approval post-admission. Please note that the cashless facility is available only at our Network Hospitals.

The premium paid on a health insurance policy is eligible for deduction under Section 80D of the Income Tax Act. So save with your policy now!

A waiting period is the length of time you, the insured, will have to wait before the benefits under the health policy can be utilised.

The following KYC documents are required from the insured person/proposer in cases of reimbursement -
  • If claim amount is below 1 lakh- Photo Id proof & address proof
  • If claim amount is above 1 lakh- Photo Id proof, address proof and a recent photograph


Review Future Generali Future Health Surplus brochure to understand coverage details.

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Proposal form

Fill the online Future Generali Future Health Surplus proposal form.

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Policy wordings

Review Future Generali Future Health Surplus 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