Room, Board & Nursing Expenses as provided by the hospital/nursing home including registration and service charges
Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation
Future Generali Health Insurance Review
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
Number of policies issued *
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
* As per IRDAI report for 2018-19 | ** As per NL25 data published on the Insurance Company website
Co-pay : No co-pay if entry age < 60 yrs / 20% to 40% co-pay for ages > 60 years
Restoration : 100% of base sum insured for all types of illnesses
Pre-hospitalisation expenses - We shall pay for expenses incurred 60 days prior to date of admission into the hospital.
Post-hospitalisation expenses - We shall pay for expenses incurred 90 days after the date of discharge from the hospital.
Day Care Expenses - We shall pay for Day Care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation as per the attached day care list.
Ambulance charges - up to a maximum of Rs. 1500 per hospitalisation will be reimbursed to You on producing the bills in original.
Free medical check-up - At the end of every continuous period of 4 years during which You/Your family have held Our Health Suraksha policy without
making a claim You/ Your family may apply to Us for a free medical check-up (Physician Consultation, ECG, Complete Blood Count, Urine Routine, Fasting blood Sugar, Post Prandial Blood Sugar, Lipid Profile, Sr. Creatinine, SGOT, SGPT, GGTP) at our Diagnostic Centre the location of which We will specify at the time of Your application. For the avoidance of doubt, We shall not be liable for any other ancillary or peripheral costs or expenses (including but not limited to those for transportation, accommodation or sustenance). The
above benefit would be available for any two of the insured family members.
Eligibility of Future Generali Health insurance
Eligibility period - 90 days to 70 years
Policy can be purchased by minimum 2 adults
Life long renewal.
Above 45 years customers should get medical check up done.
For those within 45 years, the value of sum insured accepted will be up to 10 lakhs without medical tests. Subject to claim proposal.
For person above 55 years maximum sum insured will be Rs 5 lacs.
Benefits of Future Generali Health insurance
With Health Suraksha, the member has access to cashless facility at our empanelled hospitals across India.
Pre and Post hospitalization expenses incurred from 60 days prior up to 90 days after hospitalization.
130 Day-care procedures.
Hospital cash benefit for platinum plan.
Pre-existing disease covered after four years of consecutive renewal.
Free Medical check-up in our empanelled diagnostic centres after every four claim free years.
Patient care expenses up to maximum of Rs 350 per day forpersons above 60 years.
Accompanying person expenses up to Rs 500 per day.
Additional accidental hospitalization limit enhanceed by 25% of balance sum insured, subject to a maximum of Rs.1 lakh.
Grace period of 30days from date of exipry of renewal.
Please note that Rs 50,000 sum insured would be available for dependent children only.
Loading of maximum 50% would be applicable for adverse claims experience.
Porting of similar health policy to Future Health Suraksha as per portability guidelines.
Exclusions of Future Generali Health insurance
Any condition, ailment, injury or related condition(s) for which you have been diagnosed, recieved medical treatment, had signs and / or symptoms, prior to the inception of your first policy until 48 months from the date of inception.
Any disease contracted during the first 30 days from the commencement of the policy.
Disease like cataract, hernia and tumour shall be covered after a waiting period of two years.
Diseases/surgeries like gallstones; renal stones shall be covered after a waiting period of one year.
All expenses related to AIDS and related diseases.
Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident.