Future Generali Health Insurance

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.

Vision

The vision of Future Generali Group is:

  • To actively protect and enhance people's lives.
  • To play a proactive and leading role in improving people's lives through insurance.
  • Protect, manage and mitigate risks of individuals and institutions.
  • Create value in the lives of its customers.

Mission

The mission of Future General Group is:

To be the first choice by delivering relevant and accessible insurance solutions.

  • Ensure achievement striving towards better performance.

Note: All information has been sourced from the official website of Future Generali Health Insurance.

Features of Benefits of Future Generali Health Insurance Policy

The various features and benefits of Future Generali Health Insurance Policy are

CriteriaDescription
Cashless Treatment Cashless treatment is a process where the patient does not have to pay for the hospitalization and treatment expenses. The cost of medical treatment is managed directly by the listed network hospital and Insurer/Third Party Administrator (TPA). The patient simply has to opt for a cashless settlement process.
Pre and Post Hospitalization ExpensesAvailable, depending on the variant of the health plan, the pre and post hospitalization expenses cover can vary from 60 days for pre hospitalization to 90|120|180 days for post hospitalization, respectively.
Ambulance ChargesFor network hospitals, the minimum is Rs. 1,500 and the maximum limit is based on the actual expenses.
For non-network hospitals, the limit varies from Rs. 1,500|2,000|5000.
No Claim BonusYes, 50% for every claim-free year to a maximum of 100%.
Medical check-upPre-acceptance medical tests are not required for all proposers up to the age of 50 years. For age 51 years and above, medical tests are mandatory.
Tax BenefitsPremium paid towards a health plan is eligible for tax relief as provided under Section 80D of the Income Tax Act, 1961.
Co-Payment● 20% co-payment where entry age is from 60 years to 64 years.
● 25% co-payment where entry age is from 65 years to 69 years.
● 30% co-payment where entry age is from 70 years to 74 years.
● 40% co-payment where entry age is 75 years and above.
ReimbursementReimbursement or in-house cashless claim settlement (includes consultation, diagnostic tests and medications prescribed as per plan opted).
FlexibilityDepends on the type of health plan.
Sum Insured Health Total:
Vital Plan - 3|5|10 lakhs.
Superior Plan - 15|20|25 lakhs.
Premier Plan - 50 lakhs|1 Crore.
Accident Suraksha: Based on the monthly income of the person.
Future Arogya Bima: Rs. 2|3|5 lakhs.
Future Varishta Bimaa: Rs. 2|3|4|5|7.5|10 lakhs.
Future Vector Care: Rs. 10000|25000|50000|75000.
Future Advantage Top-up: Since this is a top-up plan, the sum insured ranges from Rs. 50,000 to Rs. 1 crore.
Future Health Suraksha: Depends on the selected plan variant - Gold, Platinum, Topaz or Ruby.
Future Criticare:
Age between 18 years to 45 years - Sum insured from Rs. 1 lakh to Rs. 50 lakhs.
Age between 46 years to 65 years - Sum insured from Rs. 1 lakh to Rs. 20 lakhs.
Surakshit Loan Bima: Rs. 10,000|Rs. 3 Crores
CoverageIn-patient Hospitalisation for Medical Treatment/Sickness (includes consultation, diagnostic tests and medications prescribed as per plan opted).
Accidental hospitalisation - 25% increase subject to maximum of Rs. 10 lakhs.
Domiciliary hospitalisation expenses - maximum up to 10% of SI.
Alternative treatments Ayurveda / Unani / Sidha / Homeopathy - reimbursement.
E-Opinion for illness / injury (Maximum 2 per policy year).
Premium ChargesDepends on the sum insured selected under the health plan.
Day Care ProceduresCovered
Organ Donor BenefitsYes
Plan OptionHealth Total - This is a comprehensive health product with wider and long-term coverage. This plan comes in three variants, Vital, Superior and Premiere. All of these variants are available with individual and floater option and with Lifelong renewal facility.
Accident Suraksha - This is a plan that takes care of your personal accident expenses. The scope of cover includes Permanent Total Disablement, Permanent Total Disablement or Temporary Total Disablement along with Repatriation and Funeral Benefit.
Future Hospicash - This plan provides cash benefit in the event you get hospitalised. It is designed to cover the incidental expenses in the event of hospitalization.
Future Arogya Bima - This is an affordable health insurance plan that covers your whole family from day 1 to 70 years thereafter till lifetime. It is available on individual & family floater basis.
Future Varishta Bima Yojana - This is a health insurance plan designed for senior citizens. It is available on individual & family floater basis and provides cover to anyone from the age of 60 years and above with continuous cover thereafter till lifetime.
Future Vector Care - This is a health insurance product which provides a lump sum benefit in case you are diagnosed and hospitalised due to serious diseases caused by vectors such as Malaria, Dengue, Lymphatic Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya or Zika Virus.
Future Adventure Top-up - This is a top-up deductible health insurance plan with high sum insured options. It provides extra coverage at low premium.
Future Health Suraksha - A health insurance plan which comes in four variant - Gold, Platinum, Topaz and Ruby. All policies are available with individual and floater options as well as with Lifelong renewal facility.
Future Criticare - This is a critical illness cover plan which provides monetary benefit to take care of miscellaneous expenses in case you are diagnosed with a critical illness. You will be given a fixed sum, irrespective of your actual medical costs and other health indemnity policies.
Future Health Surplus - This is a top-up health insurance plan which enhances your existing health insurance cover with a higher sum insured over and above a deductible limit.
Waiting PeriodPre-existing disease:
- Compulsory waiting period: 2 years.
- Pre-existing disease - maximum liability 3rd year onwards: 50%.
- Pre-existing disease - 4th year onwards: 100%.
General waiting period:
- 30-day - fresh proposals excluding accidental hospitalisation.
- 2-year waiting period for listed conditions.
- 4-year waiting period - joint replacement and organ transplant.

Exclusions under Future Generali Health Insurance Policy

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.

Eligibility Criteria for Future Generali Health Insurance Policy

The eligibility criteria will vary from one plan to another:

Total Health Plan

Minimum age at entry1 day
Maximum age at entryNone
Maximum renewal ageLifelong

Accident Suraksha

Adults18 years to 70 years with renewability up to 70 years.
Children3 years to 25 years can be covered as dependents.

Future Hospicash

Adults18 to 65 years lifetime renewal option.
Children6 to 25 years can be covered only if parents are insured with Future Generali.

Future Aarogya Bima

Minimum entry age of Proposer18 years
Maximum entry age of Proposer70 years
Minimum entry age of ChildDay 1
Maximum entry age of Child25 years
Maximum Renewal AgeLifelong

Future Varishta Bima

Minimum entry age of Proposer60 years
Maximum entry age of ProposerLifelong
Maximum Renewal AgeLifelong

Future Vector Care

Minimum Age at entry1 day
Maximum Age at entry65 years
RenewabilityLifelong

Future Adventure Top-up

Adults
Children

Future Health Suraksha

Adults18 years - 70 years with a lifetime renewal option.
Children90 days - 25 years.

Future Criticare

Adults18 - 65 years lifetime renewal option.
Children6 years to 25 years can be covered if parents are concurrently insured with Future Generali.

Future Health Surplus

Adults18 years to 65 years with a lifetime renewal option.
Children3 months to 25 years can be covered if parent(s) are concurrently insured with Future Generali.

Surakshit Loan Bima

18 years to 65 years with renewability up to 70 years of age

Documents required to buy Future Generali Health Insurance Policy

The documents required to buy a Future Generali Health Insurance Policy are:

  • Proof of ID
  • Proof of Address
  • Proof of Income
  • Application/Proposal Form
  • Medical check-up/report, if required.

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.

What is the Claim Procedure for Future Generali Health Insurance Policy?

To initiate the claim process, you need to intimate a claim via the following modes:

  • Call on 1800 103 8889 or 1800 209 1016.
  • Email at fgh@futuregenerali.in
  • Submit the details on the official website of Future Generali Health and a representative will get back to you.

The following documents are required to be submitted.

Medical Expenses

  • Future Generali Travel Suraksha Claim Form
  • Policy Copy / Certificate Copy
  • Treating / attending Doctor’s report
  • Original Admission / discharge card
  • Original Bills with Receipts & Prescription
  • Original X-ray reports/Pathological / Investigative reports, if any
  • Copy of passport / Visa with Entry & exit stamp
  • Copy of ticket and boarding pass

Accidental Dismemberment / Disablement

  • Future Generali Personal Accident Claim Form
  • Policy / Certificate Copy
  • Attending Doctors Report
  • Original Disability Certificate from the Doctor, if any
  • Investigation / Lab Reports (X-Rays & reports etc.)
  • Original Admission / Discharge Card, if hospitalized
  • Police Inquest report, where applicable
  • In case of PTD claims - Disability Certificate from treating doctor.

Repatriation of Mortal remains

  • Future Generali Travel Suraksha Claim Form
  • Policy / Certificate Copy
  • Hospital admission / discharge card, if hospitalized
  • Medical Reports / Investigative (coroners / Post mortem) Reports
  • Death Certificate
  • Funeral Certificate along with original bills / receipt towards funeral expenses.
  • Copy of passport / Visa

Medical Evacuation / Transportation to Republic of India

  • Future Generali Travel Suraksha Claim Form
  • Policy / Certificate Copy
  • Hospital admission / discharge card, if hospitalized
  • Medical Reports / Investigative (coroners / Post mortem) Reports
  • Doctor’s statement indicating the cause of illness and necessity of medical evacuation / transportation to the Republic of India.
  • All original bills / receipt towards expenses incurred during medical evacuation / transportation.

Accidental Death

  • Future Generali Personal Accident Claim Form
  • Policy / Certificate Copy
  • Attending Doctors Report
  • Original Death Certificate
  • Original / attested Post Mortem / Coroner's Report
  • Attested copy of FIR / Panchnama
  • Police Inquest report, where applicable

Post submission of all the documents, Future Generali Health will verify the claim and settle the same within 30 working days or less.

Review of Future Generali Health Insurance

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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:

  1. Asia-Pacific Stevie Awards
  2. Best Product Launch PR Campaign of the Year
  3. ET Now Sales Champion Award
  4. Golden Star Awards - Claims Service Leader
  5. Golden Star Awards - Best Product Innovation
  6. CMO Asia Award
  7. Medallia Expy Award
  8. Institute of Economic Studies (IES) Awards
  9. Stevie Awards
  10. ET Now CSR Leadership Award
  11. Customer Experience Awards 2018
  12. Most policyholder & broker friendly insurer 2017 – IBAI
  13. People Capital Index 2017
  14. Impresa Awards 2017
  15. BW HR Excellence Awards 2017 - Best Emerging HR Strategy
  16. BW HR Excellence Awards 2017 - Excellence in Employee Experience
  17. Companies with Great Managers - People Business
  18. Genius HR Excellence Awards 2017 - Best Innovative HR Technology
  19. EE Achievers Awards 2017 - HR Practices
  20. EE Achievers Awards 2017 - Voice of Employee
  21. Great Indian Workplace Award
  22. Skoch Technologies for Growth Award
  23. HR Excellence Awards
  24. EFFIE Award
  25. ISO Certification
  26. Ingenious 100 Award
  27. CIO 100 Smart Infrastructure Award
  28. Impresa Award
  29. Guinness World Record
  30. ISO 27001:2013 Certification
  31. Top 100 CISO Award

Conclusion

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.

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