Future Generali Health Suraksha Individual Plan

Future Generali General Insurance Company has many comprehensive in the gamut of its offerings. One such comprehensive health insurance policy from Future Generali is the Individual Health plan called Health Suraksha - Individual, which is a specific plan meant for individuals. It is a pretty simple plan which does what it says, provide for affordable health insurance, making sure your savings and investments are safe from hospital bills.

Features and benefits of Future Generali Health Suraksha Individual Plan:

Entry Age The minimum allowed age for entry is 18 years, while the maximum allowed age is 70 years. Children of the age of 3 months till 25 years can be covered if parents are concurrently insured with the company
Basis Individual only
Renewability The policy comes with the option of lifetime renewal
Policy Tenure The policy can be of a tenure of 1 year it can be renewed further annually
Sum assured Sum assured depends on the entry age of the individual. The details of the same are provided as below –
  1. Entry age <=55 years – Sum insured can be a maximum of INR 10 lakhs
  2. Entry age > 55 years – Sum insured can be a maximum of INR 5 lakhs
If in case a policyholder is porting from another insurer, the sum insured could be a maximum of INR 5 lakhs too.
Premium Premiums vary based on sum assured and of the life insured
Policy coverage The policy covers the following -
  • Hospitalization Cash Expenses
  • Day Care Treatment Expenses
  • Pre-hospitalization Medical Expenses (60 days prior)
  • Post-hospitalization Medical Expenses (90 days’ post)
  • Accidental Hospitalisation
  • Accompanying Person’s Expenses
  • Pre-existing diseases (after 4 years of continuous renewal)
  • Ambulance charges
Benefits The policy comes with the following benefits
  • Possible free health check-ups at selected diagnostic centres
  • Quick turnaround time which is as low as 90 minutes for cashless claims
  • Quick and easy claim settlement procedures
  • Free health check ups
  • Possible tax benefits under the Indian Income Tax Act, 1961
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,

*The information listed here is as per the latest data. You should read the policy documents carefully before making a decision on buying a health insurance policy.

Other Health Insurance Plans from Future Generali:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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