Future Generali Health Total Plan

Future Generali General Insurance Company has comprehensive health insurance plans in the gamut of its offerings. One such comprehensive from Future Generali is the Health Total plan which can be either an individual policy or a floater one. The plan includes three variants and all of them come with the option of either covering an individual or being floater policies. The policy comes with the option of lifetime renewability. It provides cover for pre-hospitalization, post-hospitalization, maternity and new-born related procedures, etc.

Features and benefits of Future Generali Health Total Comprehensive Plan:

Family Definition Vital Plan – Can include self, spouse, dependent children (unmarried up to the age of 25 years) and dependent parents Superior Plan and Premier Plan – Can include self, spouse, dependent children (unmarried up to the age of 25 years) or non-dependent and dependent immediate kin (till a maximum of 15 members)
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 Sum assured depends on the variant of the plan chosen. The details of the same are provided as below –
  1. Vital Plan – The Sum Insured can be either INR 3 lakhs, INR 5 lakhs or INR 10 lakhs
  2. Superior Plan – The Sum Insured can be either INR 15 lakhs, INR 20 lakhs or INR 25 lakhs
  3. Premier Plan – The Sum Insured can be either INR 50 lakhs or INR 1 crore
Thus, the minimum amount herein is INR 3 lakhs, whereas the maximum is INR 1 crore
Premium Premiums vary based on sum assured and of the life insured
Policy coverage The policy covers the following -
  • Hospitalization Medical Expenses
  • Day Care Treatment Expenses
  • Pre-hospitalization Medical Expenses
  • Post-hospitalization Medical Expenses
  • Organ Donor Expenses
  • Domiciliary Hospitalisation Expenses
  • Restoration of Sum Insured
  • Maternity Expenses
  • Accidental Hospitalisation
  • Emergency Medical Evacuation (for Superior and Premiere variants)
  • Outpatient Medical Expenses (for Superior and Premiere variants)
  • New born baby expenses (for Superior and Premiere variants)
  • Child Vaccination Benefits (for Premiere variant)
  • Medical Treatment Abroad (for Premiere variant)
Benefits The policy comes with the following benefits
  • Discount on premium in case of more than one person is covered under a single policy
  • 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
  • Enjoy cumulative bonus up to 100% for every claim free year
  • 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,

*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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