Future Generali Health Insurance is a leading general insurance company based in India. The Future Generali Health Insurance is a joint venture between the Future Group of industries and the Italian prime leader in financial protection and wealth management, the Generali Group. The company offers a wide range of insurance products like Motor Insurance, Future Generali Health Insurance, Travel Insurance, Personal Accident and Home Insurance.
Types of Future Generali Health Insurance
There are various types of plans in Future Generali Health Insurance. Check out the list and find out which is suitable for your requirements.
- Health Total Mediclaim Policy
- Future Health Suraksha
- Personal Accident Insurance
- Hospital Cash Plan
- Future Advantage Top-up
- Future Surakshit Loan Bima
- Future Vector Care
- Future Varishta Bima
- Critical Illness Insurance Policy
- Top-up Health Insurance
All these types of health insurance plans come with various benefits and extraordinary features to let the individual select the most appropriate health insurance for themselves.
Eligibility Criteria
| Parameters | Details |
| Entry Age | Any Age |
| Entry Age for Children | Any Age from Day 1 |
| Policy Tenure | 1 to 3 years |
| Sum Assured | Rs. 50,000 to Rs 1 crore |
| Maximum Permitted Members | 2 adults and 2 children |
| Policy Renewal | Lifetime renewal |
Documents Required
Mentioned below are the lists of documents required for purchasing Future Generali Health Insurance:
- Age Proof (PAN, Voter ID, Driving License, Passport, Birth Certificate)
- Address Proof (Passport, Voter ID, PAN, Ration Card, Utility Bill)
- Photo Identity Proof (Passport, Voter ID, Driving License, PAN)
- Passport Size Photograph
- Bank Proof (Cancelled Cheque, Bank Statement)
- Income Proof (Form 16, Employer’s Certificate)
Future Generali Health Insurance Plans
Future Generali Offers number of health insurance plans for the policyholders at an affordable premium paying amounts. Some of the health plans are mentioned below:
Future Varishta Bima
This plan is highly designed for the senior citizens and provides cover for the individuals of above 60 years of age. This plan is available on individual and floater basis and also provides continuous cover till lifetime.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 60 years | No limit |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.2 lakh | Rs.10 lakh |
Also Read: Future Health Surplus Top Up Plan
Future Vector Care
This health insurance offered by Future Generali provides lump-sum benefit to the individuals who are diagnosed with serious disease caused by vectors.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 1 day | 65 years |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.10,000 | Rs.75,000 |
Health Total Mediclaim Policy
This is a comprehensive health plan which offers wider and long term coverage to the individuals. This plan is categorized into three other plans namely- Vital Plan, Superior Plan and Premiere Plan. All these plans provide lifelong renewal facility with individual and floater options.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 1 day | No limit |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.50,000 | Rs.1 crore |
Also Read: Future Hospital Cash Insurance
Future Advantage Top-up
This plan is deductible health insurance plan which provides high sum insured in case of any medical expenses that are getting beyond the expectations. This plan is available on individual and and family floater basis.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 1 day | No limit |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.50,000 | Rs.1 crore |
Future Health Suraksha
Future Health Suraksha plan offers individuals in-house cashless treatment with innovative covers at an affordable premium costs. This plan is available in four different categories- Gold, Platinum, Topaz and Ruby.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 90 days | 70 years |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.50,000 | Rs.10 lakh |
Personal Accident Insurance
Under this plan, individual is covered in case of any serious injury or accidental death caused due to unfortunate events and also provides financial support to individual and family members.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 3 years | 70 years |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | The maximum sum insured that can be offered is 144 times of monthly income of the proposer. | |
Hospital Cash Plan
This plan helps individuals in meeting hospitalization expenses in form of cash benefit. Under this plan, coverage is offered under ICU benefit which avoids draining of your savings.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 6 months | 65 years |
| Policy Tenure | – | 1 year |
| Sum Assured | Rs.500 per day | Rs.3,000 per day |
Critical Illness Insurance Policy
This plan offers lump-sum benefit to the individual if diagnosed with critical illness disease. Also, this plan helps in providing financial support to the individual in meeting with escalating medical expenses.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 6 years | 65 years |
| Policy Tenure | – | 1 year |
| Sum Assured | Rs.1 lakh | Rs.50 lakh |
Top-up Health Insurance
This plan offers an additional advantage to policyholders who require extra financial support to meet the escalating medical expenses with the base plan. This plan is available on individual as well as family floater basis with deductible amount limit.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 3 months | 65 years |
| Policy Tenure | – | 1 year |
| Sum Assured | Rs.3 lakh | Rs.10 lakh |
Surakshit Loan Bima
This plan offers comprehensive protection to loan borrowers of banks and financial institutions. This specifically designed plan helps the individual in repayment of loan in event of unfortunate incidences.
Eligibility Criteria
| Parameters | Minimum | Maximum |
| Entry Age | 18 years | 70 years |
| Policy Tenure | 1 year | 3 years |
| Sum Assured | Rs.10,000 | Rs.3 crore |
Different Modes of buying Future Generali Health Insurance Policy Online
To purchase Future Generali Health Insurance online, individuals need to follow the below mentioned steps:
Step 1: Visit the official website at general.futuregenerali.in
Step 2: Click “Health Insurance” under “Buy” option
Step 3: Choose plan as per your need
Step 4: Enter “Residential PIN Code”
Step 5: Choose Type of Plan
Step 6: Enter personal details
Step 7: Enter contact details
Step 8: Click “Buy Now” and proceed to the payment page
Future Generali Network Hospitals
There are more than 5,000 network hospitals offered by Future Generali for its policyholders to avail cashless treatment at their nearest location.
Claim Process
The Future Generali Health Insurance offers the claim settlement in two ways. Here is the procedure for both the types:
Cashless Claim
For the cashless claim procedure, take a visit to the nearest network hospital of the Future Generali Health Company. Show the Future Generali Health card at the help desk and fill the claim request form, the rest of the process will be taken forward by the hospital and the insurer.
The hospital will send the duly signed form to the insurer for approval. Once the insurer approves the form, a hospital can offer cashless treatment to the customer. But, if the insurer declines the form, the patient can get the treatment but will have to pay the bills on his own.
Claim for Reimbursement
Once you are discharged from the hospital, fill the form duly and submit it to the insurer along with the medical bills and the original medical documents. Make sure you submit the documents along with the invoices within 15-30 days of discharge from the hospital. The claim will be settled within a few days based on the terms and conditions of the plan you have chosen.
Documents Required for Claim Process
For beginning with the claim process, there are certain basic documents you may require. They are:
- Claim form
- Medical Invoice
- Physician’s Certificate regarding diagnosis
- Other bills and necessary documents
Exclusions under Future Generali Health Insurance
Some of the conditions are not included in the Future Generali Health Insurance. Below mentioned are the exclusions of the Future Generali Health Insurance.
- The medical expenditure that has been done within 30 days of the commencement of the policy
- The pre-existing diseases are not covered under the Future Generali Health Insurance. A waiting period for the pre-existing diseases is four years.
- The Future Generali Health Insurances do not cover the ailments that are solved through non-allopathic solutions
- Ailments related to AIDS or any other sexually transmitted diseases are not covered under the Future Generali Health Insurance
- The Future Generali Health Insurance does not cover Congenital diseases
- Diseases occurred due to abuse of drug or alcohol is also an exclusion with The Future Generali Health Insurance
- Congenital disabilities are not covered under the Future Generali Health Insurance
- The health insurance does not cover unnecessary medical treatment without the guidance of a doctor
- The procedures for birth control or hormone replacement are not covered with health insurance
- Suicide attempts are also not covered with the Future Generali Health Insurance
- The Future Generali Health Insurance does not include the injuries sustained during the sports
- The injuries are occurring during terrorist attack or wars
- All kinds of maternity treatment are excluded from the Future Generali Health Insurance
- Psychological treatment
Time taken to settle the claim
Future Generali will settle the claim as early as possible (usually within 7-15 days) until and unless no fraudulent activity is involved.
Future Generali Health Insurance Renewal Process
As all the Future Generali Health Insurance Plans are provided with lifelong renewability option, it can be renewed until and unless no fraud or misrepresentation has been done by the insured.
Procedure to Surrender
Policyholders can surrender the policy by giving a written notice at least 15 days before the next policy period. Also, company will refund the amount if no claim has been made on the pro-rata premium basis for the unexpired policy period.
Advantages of buying Future Generali Health Insurance
Future Generali Health Insurance stands out of due to various benefits offered by the health insurance plans of Future Generali. Below mentioned are some significant benefits:
- Premium paid during the Future Generali Health Insurance can be deducted from tax under Section 80 D subject to the Income Tax Act, 1961
- The Future Generali Health Insurance offers free 15 Day trial. You will be given the rights to cancel the policy and get the premium refunded
- The Future Generali Health Insurance offers coverage across the globe
- When buying health insurance with the Future Generali, you may not need to get the medical check-up
- The Future Generali Health Insurance offers quick cashless claim processing. It generally takes 90 minutes for cashless claim settlement.
- The plans with the Future Generali come with flexibility for the whole family
- This insurance policy offers a grace period of 30 days for the renewal of the policy
- Some of the plans of this insurance policy also cover the cost of vaccination to the new-born
- A large variety of discounts is available for upfront payments and certain family floater plans with this health insurance policy
Important Aspects
Before buying the Future Generali Health Insurance, there are certain points you need to consider.
- Analyse all the types of plans properly
- Look for the most appropriate plan according to your requirement and the number of people in your family
- Check if the selected plan fulfills your entire checklist
Customer Care
Customers can enquire about the policy status, claim process, etc. via-
Email: fgcare@futuregenerali.in
Call: 1800-220-233/1860-500-3333/022-67837800
Address:
Future Generali India Insurance Co Ltd.,
Indiabulls Finance Centre,
Tower 3, 6th Floor,
Senapati Bapat Marg,
Elphinstone Road, Prabhadevi (W), Mumbai – 400 013.
Fax: 022-41514555, 022- 40976785.
Also Check: Future Generali Future Criticare
FAQs
Q1. What is the renewal procedure for the Future Generali Health Insurance?
One can renew the policy by login into the e-portal of the Future Generali Health Insurance. All type of cards is accepted on the e-portal.
Q2. What are the modes of paying a premium?
There are total three ways of paying a premium with Future Generali Health Insurance.
- Get it auto debited from the account
- Deposit at the bank
- Online payment through net banking, credit card, or debit card
Q3. What do you mean by floater plans?
If you opt for the Group policy, you will be given an opportunity of certain family floater plans. These are the plans where a certain amount is divided among the family members under the Group Mediclaim Policy.