Future Generali Health Total Plan

Family Definition

Vital Plan

Superior Plan and Premier Plan

Entry Age

The plan allows any member who has attained the age of at least one day to be covered under the policy, but the policyholder must be of legal voting age

Basis

Individual as well as floater policy for family members

Renewability

The policy comes with the option of lifetime renewal

Policy Tenure

The policy can be of a minimum of 1 year and a maximum of 3 years, post which it can be renewed further

Sum assured

• Vital Plan - The Sum Insured can be either INR 3 lakhs, INR 5 lakhs or INR 10 lakhs
• Superior Plan - The Sum Insured can be either INR 15 lakhs, INR 20 lakhs or INR 25 lakhs
• Premier Plan - The Sum Insured can be either INR 50 lakhs or INR 1 crore

Premium

Premiums vary based on sum assured and of the life insured

Policy coverage

1. Hospitalization Medical Expenses
2. Day Care Treatment Expenses
3. Pre-hospitalization Medical Expenses
4. Post-hospitalization Medical Expenses
5. Organ Donor Expenses
6. Domiciliary Hospitalisation Expenses
7. Restoration of Sum Insured
8. Maternity Expenses
9. Accidental Hospitalisation
10. Emergency Medical Evacuation (for Superior and Premiere variants)
11. Outpatient Medical Expenses (for Superior and Premiere variants)
12. New born baby expenses (for Superior and Premiere variants)
13. Child Vaccination Benefits (for Premiere variant)
14. Medical Treatment Abroad (for Premiere variant)

Benefits

1. Discount on premium in case of more than one person is covered under a single policy
2. Free health check-ups at selected diagnostic centres
3. Quick turnaround time which is as low as 90 minutes for cashless claims
4. Quick and easy claim settlement procedures
5. Enjoy cumulative bonus up to 100% for every claim free year
6. Get tax benefits under Section 80D of the Indian Income Tax Act, 1961

Bonus

The policy offers cumulative bonus of 50% 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 100%.

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,