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Generali Central Health Insurance is offered by Generali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited), an IRDAI-registered general insurance company (Registration No. 132). The insurer offers health insurance solutions for individuals, families, senior citizens, women, and customers seeking higher medical coverage through comprehensive and top-up plans. Its portfolio includes plans with wellness benefits, unlimited restoration options, and customisable coverage to suit different healthcare needs.
Rather than listing generic health insurance benefits, these are product-specific features available across Generali Central's health insurance portfolio.
Cashless Network Hospitals: 10,000+ hospitals across India.
Health Insurance Plans: 9+ retail health insurance products, including individual, family, senior citizen, women-specific and top-up plans.
Maximum Sum Insured: Up to ₹2 crore.
Entry Age: Starts from 1 day for children (plan-specific) and up to 65 years for adults in most retail plans.
Family Coverage: Health Absolute allows coverage for up to 15 family members under a single policy.
Health Claim Commitment: Initial cashless authorisation within 1 hour and final hospital bill settlement within 3 hours for eligible cashless claims.
| Plan | Suitable For | Key Highlights |
|---|---|---|
| Health Unlimited | Individuals and families seeking higher medical protection | Sum insured from ₹7.5 lakh to ₹2 crore, unlimited restoration of the sum insured, premium payback benefit, OPD cover, home healthcare, maternity cover, AYUSH treatment, medical treatment abroad, wellness benefits, and optional consumables cover. |
| Health Xtra | Individuals and families looking for comprehensive everyday health cover | Sum insured from ₹5 lakh to ₹1 crore, hospitalisation cover, wellness benefits, coverage for specified pre-existing conditions after the applicable waiting period, and preventive healthcare benefits. |
| Health Absolute | Large families requiring a single policy | Covers up to 15 family members under one policy with multiple sum insured options and physical as well as mental wellness benefits. |
| D.I.Y. Health Insurance | Customers who want to customise their coverage | Available in Mini, Medi, and Max variants with sum insured from ₹4 lakh to ₹15 lakh, allowing policyholders to select benefits based on their healthcare requirements. |
| Health PowHER | Women | Designed for women's healthcare needs with benefits that include preventive care and maternity-related coverage under eligible policy terms. |
| Health Vital | Individuals looking for affordable health insurance | Entry-level health insurance plan designed to provide accessible medical coverage with essential hospitalisation benefits. |
| Health Elite | Individuals seeking broader healthcare benefits | Comprehensive health insurance with a focus on overall health and wellness through enhanced medical coverage and value-added services. |
| Health Total | Individuals and families | Comprehensive protection against hospitalisation and lifestyle-related medical expenses with multiple coverage options. |
| Varistha Bima | Senior citizens aged 60 years and above | Sum insured from ₹2 lakh to ₹10 lakh, designed specifically to meet the healthcare needs of senior citizens. |
| Advantage Top Up | Existing policyholders who need additional coverage | Top-up health insurance plan with higher sum insured options at a comparatively lower premium after the deductible is met. |
Generali Central offers optional add-ons with selected health insurance plans that can be purchased by paying an additional premium.
Covers eligible non-medical consumables such as gloves, masks, PPE kits, syringes, and similar items used during hospitalisation.
Removes the compulsory co-payment requirement under applicable plans, reducing your share of admissible hospitalisation expenses.
Allows you to choose a deductible amount to reduce the policy premium while retaining health insurance coverage.
Increases the available sum insured over time to help keep pace with rising medical treatment costs.
Generali Central Health Insurance offers a broad range of health insurance solutions designed for different healthcare needs instead of relying on a single standard policy.
Choose from health plans for individuals, families, women, senior citizens, and high-value medical coverage.
Sum insured options extend up to ₹2 crore, allowing you to select coverage based on your medical requirements.
Access treatment at 10,000+ cashless network hospitals across India.
Certain plans include features such as unlimited restoration, home healthcare, OPD benefits, wellness programmes, and maternity benefits.
The insurer aims to provide initial cashless claim approval within 1 hour and final settlement within 3 hours for eligible cashless hospitalisation.
Buying a Generali Central Health Insurance policy through Coverfox is quick and completely online.
Step 1: Compare Plans
Enter a few basic details such as your age, city, and family members to compare available Generali Central health insurance plans.
Step 2: Choose the Right Policy
Review the sum insured, coverage, waiting periods, add-ons, and premium to select the plan that best suits your healthcare needs.
Step 3: Share Your Details
Fill in the required personal, nominee, and medical information accurately. Depending on the plan and underwriting requirements, you may also need to provide additional health-related details.
Step 4: Make the Payment
Complete the premium payment using your preferred online payment method.
Step 5: Receive Your Policy
Once the proposal is accepted, your policy document will be issued digitally and shared with you by email.
Need Assistance?
If you need help comparing Generali Central Health Insurance plans, understanding policy features, or selecting the right coverage, the Coverfox team can guide you through the purchase process and assist you even after your policy is issued.
The waiting period varies depending on the health insurance plan and the type of claim.
Initial Waiting Period: 30 days from the policy commencement date for all illnesses. Accidental hospitalisation is covered from Day 1.
Specified Diseases & Procedures: 24 months for the illnesses and treatments listed in the policy wording.
Pre-existing Diseases (PED): 36 months from the date of first policy issuance.
Maternity Benefits: Available after 24 months under plans where maternity cover is included.
Note: Waiting periods vary across products and optional covers. Please refer to the policy wording of your chosen Generali Central Health Insurance plan for the applicable terms and conditions.
Generali Central Health Insurance offers access to 10,000+ cashless network hospitals across India, enabling eligible policyholders to receive cashless treatment for covered hospitalisation expenses.
How to Find a Network Hospital
Visit the Coverfox Network Hospital page: Search hospitals by insurer, city, locality, or PIN code.
Select Generali Central Health Insurance: View the list of empanelled cashless hospitals near you.
Verify Before Admission: Confirm the hospital is part of the active network and complete the pre-authorisation process for cashless treatment.
For policy servicing, claims, renewals, and other assistance, you can contact Generali Central through the following channels:
Customer Care: 1860 500 3333 / 022 6783 7800
Toll-free Helpline: 1800 220 233
WhatsApp Support: 7678006000
Email: GCIcare@generalicentral.com
Mobile App: GC Insure App for policy servicing, renewals, claim tracking, and policy downloads.
Branch Network: 150+ places of business across India for policy servicing and customer assistance.
Disclaimer - The information on this page is intended for general informational purposes only. Policy features, premiums, waiting periods, network hospitals, add-on covers, and exclusions are subject to change. Please refer to the latest Generali Central Health Insurance policy wording and prospectus before purchasing, renewing, or making a claim.
Generali Central offers health insurance plans for individuals, families, senior citizens, women, and customers looking for top-up health insurance. The minimum and maximum entry age varies depending on the plan selected.
Yes. Generali Central Health Insurance provides cashless treatment at 10,000+ network hospitals across India, subject to policy terms, hospital network availability, and claim approval.
Yes. Pre-existing diseases are covered after the applicable waiting period specified under the selected policy, provided the condition is disclosed at the time of purchasing the policy.
Yes. Generali Central offers family floater health insurance plans that allow you to cover multiple family members under a single policy, depending on the product chosen.
A pre-policy medical examination may be required depending on factors such as the applicant's age, medical history, sum insured, and the health insurance plan selected.
Yes. Generali Central Health Insurance policies can be renewed annually. Renewing your policy within the due date helps maintain continuity benefits, including waiting period credits and other applicable policy benefits.
You can check your policy status by logging into the Generali Central customer portal or the GC Insure App. Alternatively, you can contact customer care or email the insurer for policy-related assistance.
