Future Generali Vector Care Plan

Future Generali India Insurance Company is a joint venture between Future Group and Generali, established in 2007. They offer various health insurance plans, including the Future Generali Vector Care Plan, a fixed benefit insurance plan that provides a lump sum benefit in case of a covered vector-borne disease.

Over the past few decades, the instances of vector-borne diseases such as Malaria, Dengue, and Chikungunya have been increasing continuously. These diseases are transmitted by mosquitos and have a substantial impact on a significant number of people in India every year. Due to the warm and humid climate prevalent in the country, these diseases pose a significant threat to both urban and rural populations alike. Mosquitoes are known to breed in stagnant water, and with increasing urbanization, the accumulation of stagnant water in open containers, rainwater, and sewage systems has become a major concern.

A vector is a living organism, such as an insect or tick, that can transmit diseases to humans and other animals. In India, several vector-borne diseases pose a severe threat to public health. These include Dengue, Malaria, Chikungunya, Japanese Encephalitis, Kala-azar, Zika Virus, and Lymphatic Filariasis. These diseases are predominantly spread by mosquitoes, fleas, ticks, and other carriers. They can cause a wide range of symptoms, from mild fever to severe illness, and can sometimes even be fatal.

In addition to the health risks, treating these diseases can also be financially burdensome. However, the Future Generali Vector Care Plan offers an affordable insurance solution that covers you and your family against all seven of these deadly diseases. With this plan, you can have peace of mind knowing that you are protected against the financial impact of these illnesses.

There is no requirement to undergo any medical screening before purchasing the Future Generali Vector Care Plan. Typically, eligibility depends on factors like age, health condition, and other underwriting considerations. Simply prepare the requested documents to avail the policy for yourself or your family.

This insurance plan offers a lump sum benefit in case you are diagnosed with any of the 7 listed diseases that are covered under the policy. You have the flexibility to choose from various sum-insured options depending on your needs and budget. The policy allows you to cover yourself, your spouse, up to 3 dependent children, and dependent parents under a single policy.

Moreover, this plan offers 100% restoration of the sum insured in case you have utilized the entire amount in any given policy year. You also have the option to choose the policy period that suits you the best, ranging from 1 year to 3 years. Additionally, you can avail of discounts while opting for longer policy tenures.

The policy also offers a 15-day free-look period, which means that if you are not satisfied with the plan, you can return it within 15 days of receiving the policy document and get a full refund. It is worth noting that you don't need to undergo any pre-policy medical screening to avail of this plan.

Lastly, this Future Generali Health Insurance plan is available with the option of lifelong renewability, which means that you can renew the policy for as long as you want without any age restrictions.

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Please note the following information about the Future Generali Vector Care Plan:

Lump-sum Benefit

If you are diagnosed with any of the following diseases that require a minimum of 24-hour hospitalisation, you will receive 100% of the sum insured that you have opted for. The diseases covered are Dengue, Malaria, Chikungunya, Zika Virus, Japanese Encephalitis, Kala-azar, and Lymphatic Filariasis.

Automatic Restoration of Sum Insured

If you are diagnosed with any of the above ailments, you will receive 100% of the sum insured. Additionally, the sum insured will be automatically restored, subject to the deduction of a pro-rata premium from the payable claim amount for the remaining period of the policy year.

Discounts

If you purchase the policy for a longer term, you can avail of the following discounts:

• 5% discount on a single premium for a 2-year policy term
• 7.5% discount on a single premium for a 3-year policy term

No Pre-policy Medical Test

There is no requirement to undergo any medical screening before purchasing the Future Generali Vector Care Plan.

Sum Insured Options

You can select a sum insured that you think would be sufficient for your needs. The available options for Future Generali Health Insurance Plans are:

• INR 10,000
• INR 25,000
• INR 50,000
• INR 75,000

The Future Generali Vector Care Plan is a highly specialized health insurance policy that offers comprehensive coverage against vector-borne diseases. This insurance policy provides a fixed benefit in case of a covered diagnosis, which means that policyholders receive a pre-determined lump sum amount regardless of the actual medical expenses incurred. This unique approach ensures that individuals have a financial cushion to manage the financial burden associated with vector-borne diseases. This insurance policy is designed to offer peace of mind and timely healthcare interventions without incurring any financial strain. With this plan, you can rest assured that you'll have the necessary financial support to deal with any unforeseen medical expenses arising from vector-borne diseases.

Please note that the insurance company will not consider any claims under the following circumstances:

1. Any ailment that is not classified among the seven specified diseases: Dengue, Malaria, Chikungunya, Japanese Encephalitis, Kala-azar, Zika Virus, and Lymphatic Filariasis.

2. Conditions that emerge within the stipulated waiting period.

3. Outpatient-based treatments.

4. Diagnoses or treatments sought outside of India, except for the mentioned countries.

5. Hospital or healthcare centre treatments that are blacklisted by Future Generali Insurance Company.

6. Any procedures that the policy deems non-allopathic treatments.

If you are wondering if you should Buy Future Generali Vector Care Plan Online, the following points may help you make your decision.

• Comprehensive Coverage: Future Generali Vector Care Policy provides extensive coverage against vector-borne diseases, including Dengue, Malaria, Chikungunya, Japanese Encephalitis, Kala-azar, Zika Virus, and Lymphatic Filariasis.

• Financial Security: The policy offers a lump sum benefit upon the diagnosis of a covered disease, ensuring financial security to meet medical expenses and other associated costs.

• Fixed Benefit Advantage: Irrespective of the actual medical expenses incurred, policyholders receive a predetermined lump sum amount, providing certainty in times of need.

• Focused Healthcare: The lump sum benefit allows for focused and timely healthcare interventions, aiding in effective disease management.

• Peace of Mind: By offering a financial cushion, the policy alleviates the worry of financial strain during the treatment of vector-borne diseases.

• International Coverage: While treatment in India is covered, exceptions for listed countries enhance the policy's flexibility for global coverage.

• Exclusion Clarity: The policy clearly outlines exclusions, ensuring policyholders understand the conditions and circumstances where claims may not be accepted.

• Company Reputation: Future Generali's reputable standing in the insurance industry adds credibility to the Vector Care Policy, instilling confidence in policyholders.

You can buy Future Generali Vector Care Plan right here on Coverfox. Simply follow the following steps:

1. Locate the "Health Insurance" section on the website.

2. Enter the required details, including your age, coverage needs, and any other information relevant to the Future Generali Vector Care Plan.

3. Compare the Future Generali Vector Care Plan with other health insurance options available on Coverfox to make an informed decision.

4. Once you've chosen the Future Generali Vector Care Plan, proceed to select the plan and coverage options that suit your requirements.

5. Complete the online application form with accurate information. Ensure that all details are filled correctly to avoid issues during the application process.

6. Review the details of the selected plan, coverage, and the information provided. Confirm that everything is accurate before proceeding.

7. Make the payment for the selected Future Generali Vector Care Plan using the available payment options.

8. After successful payment, the policy documents and details will be sent to the email address provided during the application process.

Renew your Future Generali Vector Care Policy on time to continue enjoying its benefits. Remember these points when renewing:

• The company provides a 30-day grace period after the policy expires to renew it.
• No claims will be accepted during the grace period.
• If the policy is not renewed within the grace period, it will be terminated.
• If you renew the policy after the grace period, all waiting periods will apply again.
• If a child turns 25, they will need to be covered under a separate policy at the time of renewal.
• You can increase or decrease the sum insured only during the renewal period.

In the event that you need to make a health insurance claim, it is important to contact the insurance company immediately within 48 hours of hospitalisation. This will help to ensure that your claim can be processed as quickly and efficiently as possible.

The insurance company offers several ways to report your claim, including calling their toll-free number at 1800 103 8889 or 1800 209 1016, submitting a claim online by visiting Future Generali website, or sending an email to the company at fgh@futuregenerali.in.

After you have reported your claim, the insurance company will request all the necessary documents and information to authenticate your claim. They will then begin the verification process, as well as any other formalities required to settle your claim. Once the claim has been verified and settled, the insurance company will credit the amount to your registered bank account.

Documents Needed

The following original documents must be submitted within 15 days of discharge:

• Claim Form, duly filled and signed
• Copy of policy document
• Discharge Summary
• Medical certificate confirming the diagnosis/treatment of Illness
• Diagnosis Report
• Treating doctor’s certificate regarding the duration of the illness
• KYC documents of the insured patient
• Laboratory Report

In conclusion, the Future Generali Vector Care Insurance plan stands as a robust shield against the health threats posed by diseases transmitted through vectors. With a comprehensive coverage scope encompassing illnesses like Dengue, Malaria, Chikungunya, and more, our plan ensures financial security during times of medical need.

Offering a unique fixed benefit approach, it provides a predetermined lump sum amount upon diagnosis, irrespective of actual medical expenses. This not only guarantees financial certainty but also allows for focused and timely healthcare interventions. Avail it the Vector-Borne Insurance plan for peace of mind, knowing you have a reliable partner in safeguarding your well-being against these prevalent health risks.