Future Generali India Insurance Company Limited was established in September 2007 as a joint venture between Future Group and Generali. The main objectives of Future Generali Health Insurance Plans are to provide retail, commercial, personal and rural insurance solutions to individuals and corporates.
The various exclusions under this policy are:
Injury or illness caused by or arising from or attributable to invasion, war, act of foreign enemy, war like operations (whether war is declared or not). Circumcision, unless required for treatment of an illness not excluded hereunder or as may be necessitated due to an accident.
Vaccination/inoculation (Except as post-bite treatment).
Cosmetic treatments (For change of life or cosmetic or aesthetic treatment of any description), plastic surgery other than as may be necessitated due to an accident or as a part of any illness, refractive error corrective procedures, experimental, investigational or unproven/experimental treatment, devices and pharmacological regimens of any description.
Charges incurred in connection with the cost of spectacles and contact lenses, hearing aids, durable medical equipment (including but not limited to cost of instrument used in the treatment of Sleep Apnea Syndrome, Continuous Peritoneal Ambulatory Dialysis and oxygen concentrator for asthmatic condition, wheelchair, belts, crutches, artificial limbs, braces, stocking, Glucometer and the like), namely that equipment used externally for the human body which can withstand repeated use; is not designed to be disposable; is used to serve a medical purpose, such cost of all appliances/devices be it for diagnosis or treatment following discharge from the hospital.
Treatment expenses for obesity, weight control programmes, services and supplies.
Alcohol/Tobacco/Narcotic Substance Abuse.
HIV/AIDS/STDs
External Congenital Anomaly and related Illness/ defect.
The eligibility criteria will vary from one plan to another:
The documents required to buy a Future Generali Health Insurance Policy are:
Easy Procedure to Renew Future Generali Health Insurance Policy
You can easily renew your existing Future Generali Health Insurance Policy by following the below steps.
Visit the official website of Future Generali Health Insurance and select the Renew tab on the top right of the landing page.
You will be required to enter your 8-digit policy number (e.g. 2018-V1234567-FPV, enter only V1234567) or enter the expiry date of your policy as specified in your schedule (e.g. 12/01/2017).
Modify your existing plan if required.
Check the nominee and contact details.
Confirm and pay the premium amount at the payment gateway via net banking/credit or debit card.
Post payment, you will get a confirmation regarding the same on your registered mobile number and email.
To initiate the claim process, you need to intimate a claim via the following modes:
The following documents are required to be submitted.
Medical Expenses
Accidental Dismemberment / Disablement
Repatriation of Mortal remains
Medical Evacuation / Transportation to Republic of India
Accidental Death
Post submission of all the documents, Future Generali Health will verify the claim and settle the same within 30 working days or less.
Future Generali Health Insurance holds a good track record of providing the best insurance solutions to its customers. As a mark of its success, Future Generali
Health has been a recipient of the following awards:
If you are looking for insurance solutions for your entire family, Future Generali Health has a holistic range of products that will suit your needs and financial requirements.
With stressful and sedentary lifestyles, people are more prone to diseases than ever. Rising medical costs have further made it necessary to have a health insurance policy. Future Generali general insurance company provides a variety of health insurance products to prepare you for any unforeseen event and protect you against medical expenses. The following are the reasons why you should buy Future Generali health insurance.
Future Generali insurance company offers a wide range of health insurance solutions to meet all kinds of different needs. Given below are some of its top health insurance plans providing coverage for both individuals and families.
The incurred claim ratio of Future Generali health insurance is 88.44% for FY21-22. It is the ratio between the claims paid by the insurance company to the premiums received by the insurance company in a financial year. ICR indicates the operational efficiency of a health insurance company and its ability to pay the claims requested. A high ICR is always considered good. However, a company having an ICR of more than 100% means that the company is facing a loss because it is paying more in claims than what it is receiving as a premium. Incurred Claim Ratio (ICR) = (Value of claims settled/ Value of premiums received)*100
Yes, there is a waiting period applicable to Future Generali health insurance plans. This is the period during which you have to wait before you can make any claim under the policy. Future Generali health insurance plans have waiting periods as follows:
Yes, Future Generali health insurance has a senior citizen plan to cover the medical costs of individuals above 60 years. The plan is specially designed for seniors to cover health issues related to old age.
Yes, Future Generali health insurance company offer health insurance plan for women. The company offers a comprehensive health insurance plan that can be customised to suit the medical needs of women. The plan provides coverage for maternity and newborn expenses and also for a number of women-related health issues and critical illnesses.
With a Future Generali health insurance policy, you can file a cashless or reimbursement claim. Here are some basic steps you need to follow to file a health insurance claim.
Note that each health insurance policy is different and so the claim requirements are also different, for a specific claim process, please refer to the policy document or contact the insurance company.
To check the status of your Future Generali health insurance policy you can follow any of the methods given below.
Follow the instructions provided by the insurance company to ensure that your query is properly resolved.
No, the company has an in-house claim-settlement system for faster and better claim settlement.
Yes, Future Generali's comprehensive health insurance policy, Health Total provides maternity coverage on an individual and family floater basis. The maternity benefit comes with 2 year waiting period. Some benefits of maternity coverage are;
