Future Generali Health Suraksha Family Plan

Entry Age

For Adults:

For Children:

Basis

It is a Family Floater.

Renewability

The policy comes with the option of lifetime renewal for adults.

Special Features

1. A 30 day grace period from the date of expiry of the policy.
2. A free look period of 15 days.
3. Policy portability is available.
4. The policy can be purchased online.
5. Maximum policy term is 1 year.

Sum assured

Minimum : Rs. 5 lakhs for entry age above the age of 55 years and Maximum: Rs. 10 lakhs for entry age up to 55 years.

Premium

Premiums vary based on sum assured and of the life insured.

Policy coverage

1. Cost incurred in pre and post hospitalization which include 60 days prior to hospitalization and 90 days post hospitalization.
2. It provides patient care expenses up Rs. 350 daily for patients above the age of 60 years.
3. It also includes the expenses caused to accompanying person. The policy offers up Rs. 500 per day.
4. The plan provides coverage for 130 day care procedures
5. It also includes ambulances charges up to 1500.

Benefits

The policy comes with the following benefits :

1. Get free health check-ups at selected diagnostic centers after every 4 claim free years.
2. Quick turnaround time which is as low as 90 minutes for cashless claims. Reimbursement claim settlement is done within 14 days.
3. Quick and easy claim settlement procedures.
4. Enjoy cumulative bonus up to 10%.
5. Get tax benefits under Section 80D of the Indian Income Tax Act, 1961.

Bonus

The policy offers cumulative bonus of 10% after each claim free year. To enjoy this bonus, you need to renew the policy continuously with Future Generali. The policy offers bonus maximum up to 50%.

Exclusions

The policy does not cover the following medical conditions: Disease detected within 30 days from the commencement for the policy, expenses related to AIDS and joint replacement surgery, injuries caused by alcohol or drug related abuses, non-allopathic treatment expenses, congenital diseases,