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Future Generali health insurance overview

Future Generali Health Insurance Company is one of the largest operating companies in Italy. Future Generali Insurance Company exists as a collaboration between the Indian company named, Future Group and Italian firm called, Generali. The Generali Insurance Group is known to be one of the most popular insurers in the European region. The company initiated health operating in September 2007. Future Generali group offers policies for customers of all segments. It covers all kinds of major insurance policies that an individual may require. Coming to health insurance, such companies offer policies to fulfill every requirement of an individual.

Benefits of choosing Future Generali Health scheme

This is one of the leading organizations to provide insurance among the renowned insurers in the country. The following are some of the benefits of getting Future Generali Health Insurance policies.

  • The policy is available with hospitalization benefits completely cash-free at 4200+ hospitals with a network around the country.
  • Covers post hospitalization and pre hospitalization charges.
  • Provided with tax benefits under the Section 80D up to 25,000 INR.
  • Covers procedures of daycare for selected plans.
  • No cost look-in time for 15 days.
  • Allows portability.
  • Offers free health checkups at authorized centers for the claim-free period.
Why should one choose a health insurance plan?

In the modern age, health insurance policies and plans became mandatory due to rise in medical costs and due to unhealthy lifestyle habits. Medical expenses are hiking to a range that a common person cannot afford the medical emergency expenses. It is necessary for one to be insured to handle critical situations and health emergencies to reduce the load on the back of a middle-class Individual.

List of plans that come in Future Generali Health Insurance

Future Generali Health Suraksha Future Individual plan

  • Cash-free hospitalization at more than 4200 authorized hospitals.
  • Coverage for medical costs in situations of hospitalization.
  • This plan consists of three subcategories Basic plan, Silver plan & Platinum plan.
  • Subjected to clear proposal documents, medical examinations are relaxed up to 45 years of age. Above 45 years of age, medical examinations are necessary and 50 percent of expenses will be compensated to the policyholder.
  • For entry, coverage for the age of up to 55 years is 10 lakhs and for re-entry age more than 55 years, maximum coverage amount is five lakhs.
  • Pre- and post expenses for hospitalization are provided with a cover for 60-90 days.
  • Coverage for already existing diseases will be provided after four consequent renewals of the policy.
  • Hospital cost privileges are covered only by a platinum plan.
  • Companion’s costs are offered with coverage up to a maximum of Rs.500.
  • Costs for the care of patients are covered only for those people who are above 60 years and maximum coverage is 350 INR per day.
  • Health checks up cost coverage is provided for every year in which there were no claims from ten percent to fifty percent.
  • Health examination expenses after claim-free time period are covered at the authorized hospitals.
  • The customer can purchase additional accident recovery policy and the amount is enhanced up to 25 percent or a maximum of one lakh.
  • Coverage for ailments like cataract, tumor, and hernia is available up to two policy years.
  • Conditions like gallstones and kidney ailments are covered after completion of one policy year.
  • There are coverage privileges for surgical procedures for replacement of joints after completing 3 policy years for reasons besides accidents.
Future Health Suraksha Individual plan eligibility criteria
  • Citizen of India, who is in the 18-70 age group, is eligible for renewal for whole lifetime.
  • Children, who are between 3 months to 25 year age group, can get benefits if the parents have their insurance done.
Future Health Suraksha Family plan

This plan covers the health expenditures of the clients and their family members with following features.

 

The assured amount is applicable to the individual and family including his spouse and 2 children who are dependent.

  • Hospitalization becomes cashless in 4200+ authorized hospitals.
  • Coverage of medical costs in incidents related to hospitalization.
  • This plan consists of three subcategory plans Basic scheme, Silver scheme, and Platinum scheme.
  • Subjected to a vivid proposal file, medical tests get relaxed up to 45 years of age. Above 45 years, medical examinations are necessary and 50 percent of expenses will be offered to the client.
  • For an initial age of fifty-five years, maximum coverage amount is 10 lakhs and for entry more than 55 years of age, maximum coverage amount is five lakhs.
  • Coverage for foretold diseases will be provided after four consequent renewals of the policy.
  • Hospital cost advantages are covered only by a Platinum plan.
  • Companion’s costs are mended up to maximum of Rs.500
  • Patient care expenditures get covered for patients above 60 years and maximum coverage 350 INR per day.
  • 10-50% Health check- up cost coverage is provided for each year that is free of a claim.
  • Price of health checkups after claim free years are covered only at authorized hospitals.
  • Customer can purchase additional accident recovery policy and the amount is enhanced up to 25 percent or maximum of rupees one lakh.
  • Coverage for ailments like cataract, tumor, and hernia is available up to two policy years.
  • Conditions like gallstones and kidney ailments are covered after completion of one policy year.
  • There are privileges for claims on replacement of joints after completion of three policy years for required reasons. The accident does not count in this.
  • Ambulance expenses are supported up to Rs.1500.
Future Health Suraksha Family plan eligibility requirements

The eligibility is same as in Future Health Suraksha Individual plan.

Future Suraksha Personal Accident Insurance plan

Cash-free hospitalization in addition to lump sum amount is provided in the case of accidental death or terrorist attack is provided along with the following features. Accidental disabilities like total permanent disability, partial permanent disability, total disability (temporary) or death because of an accident are covered in this case. A lump sum amount of 50,000 INR and funeral charges can be claimed immediately in the case of death. The funeral charges limit is up to 12,500 INR. The customer, in accident cases due to house remodeling, can claim up to 10 percent of the amount. In such cases, family transportation allowances will be up to Rs.50,000.

 

The terms for applying for the policy will be the same as above two cases.

Future Criticare Critical Insurance Plan

Future Criticare Critical Insurance Plan is eligible to provide coverage for ailments like the heart attack (the first one), cancer, coma, surgery to an aorta, MAJOR ORGAN DAMAGE, LEUKEMIA, total blindness, stroke come under lump sum coverage. This plan is liable to income tax advantages that come under the Section 80D.

 

Future Health Suraksha Individual plan eligibility requirements

  • Any individual who is Indian and comes with minimum 18 and maximum 70 years, can apply policy renewal for the lifetime.
  • Children of 6-25 years can get covered by the insurance of their parents.
Future Hospicash Hospital Cash Insurance Plan

This policy provides cash coverage on hospitalization for the customer or his family. The terms of Future Health Suraksha Individual plan are applicable to this policy and four subtypes in the plan are there. Plans A and B have criteria for negligible income. Plan C is applicable to income group above 50000 INR and Plan D is applicable to income group above Rs.75000. ICU charges are benefited up to twice the amount if the policyholder or his/her family member gets hospitalized within or outside the city limit. Hospitalization coverage is provided up to Rs.5000 for maximum 10 days of hospitalization.

Future Hospicash Hospital Cash Insurance plan eligibility needs
  • Any resident of India who enters the age group – 18-65, is allowed for renewal for the lifetime.
  • Children, between 6 -25 years, get covered by parents' insurance.
Future Generali Health Surplus Top-up plan

Inpatient charges in addition to cash coverage for hospitalization are provided with respect to this plan up to minimum 24 hours. Extra inpatient charges such as drugs and medicines, diagnostic services are covered under this plan in addition to the benefits of Future Health Suraksha family plan.

The eligibility criteria will be same as the above for applying the policy.

Exclusions under Future Generali Health Insurance plan

Hospitalization within the inspectional period of 30 days is not covered. There is also no cover for congenital illnesses, ailments linked with aids, illnesses due to drugs and alcohol. Diseases that are existing long before do not get covered until four policy years are not completed.

Application procedure of Future Generali Health Insurance plans

You can avail plan through company's sales helpline or can chat with the personnel up to 1 a.m. to 6 p.m. or you can visit the company branches directly. You can leave your mobile number or email id for any queries on the company's website to get clarification.

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