FUTURE GENERALI HEALTH INSURANCE

Future Generali India Insurance Company Limited is a leading general insurer in India, formed as a joint venture between the Future Group and Italy’s Generali Group. Operational since September 2007, the company offers a broad portfolio of insurance products, including motor, travel, home, personal accident, and health insurance, with a focus on customer-centric solutions.

With a 94% claim settlement ratio, 3-hour cashless settlement, and 6000+ cashless hospitals, Future Generali Health Insurance plans provide comprehensive coverage for medical expenses arising from illness, injury, or hospitalization.

Future Generali Health Insurance Plans

Future Generali offers a curated range of health insurance plans designed to provide reliable financial protection against medical expenses. These plans cater to individuals, families, and senior citizens with options ranging from basic hospitalization cover to critical illness benefits and top-up plans.

Explore the available Future Health Insurance plans below and choose the one that best suits your healthcare and financial needs:

Future Generali Health Suraksha Plan

Future Health Suraksha is a core individual or family floater health policy, offering four plan variants with lifelong renewability and tailored coverage to suit diverse healthcare requirements. Here are the four plans and the sum insured:

Plan	Sum Insured Options (in INR)	Basis
Gold plan	50,000-5,00,000	Individual & Floater (from INR 2,00,000)
Platinum plan	6,00,000-10,00,000	Individual & Floater
Topaz plan	1,00,000-5,00,000	Individual & Floater (from INR 2,00,000)
Ruby plan	6,00,000, 7,50,000, 10,00,000	Individual & Floater

 

Coverage of Future Generali Health Suraksha Plan

●       Inpatient Treatment: Covers room rent and nursing expenses for hospital stays of 24 hours or more.

●       Pre-Hospitalization: Covers medical expenses for up to 60 days before hospitalization.

●       Post-Hospitalization: Covers medical expenses for up to 90 days after discharge.

●       Ambulance Charges

○        Gold/Platinum Plans: Up to INR 2,000 per hospitalization

○        Topaz/Ruby Plans: Up to INR 750 per hospitalization (max INR 1,500 per policy period)

●       Patient Care Benefit (for insured persons aged 60+)

○        Gold/Platinum: Up to INR 500 per day

○        Topaz/Ruby: Up to INR 350 per day

●       Cumulative Bonus (NCB): 10% increase in Sum Insured for each claim-free year, up to a maximum of 50%.

●       Organ Donor Expenses: Covers reasonable costs for the donor’s treatment during organ harvesting.

Future Generali Health Total Plan

Future Health Total is available in three variants to meet the medical and financial needs of up to 15 family members with a minimum policy term of 1 year and a maximum of 3 years. Check them out:

Plan	Sum Insured (in INR)	Who It Covers
Vital plan	●       3,00,000 ●       5,00,000 ●       10,00,000	Self, spouse, unmarried dependent children (<25 years), dependent parents
Superior plan	●       15,00,000 ●       20,00,000 ●       25,00,000	Vital group plus siblings, grandparents, non‑dependent children, non-dependent parents, dependent siblings, daughter-in-law, son-in-law, parents-in-law, and grandchildren.
Premiere plan	●       50,00,000 ●       1,00,00,000	Same as superior with better benefits

Coverage of Future Generali Health Total Plan

●       Insure up to 15 family members under a single policy

●       Daycare Treatment

●       Pre-Hospitalization Costs

●       Post-Hospitalization Costs related to recovery

●       Organ Donor Expenses

●       Domiciliary Hospitalization

●       Maternity Expenses

●       Mental Illness Cover

●       Patient Care, including nursing and support services

●       Road Ambulance Charges

●       E-Opinion for Illness or Injury

●       Alternative Treatment (AYUSH)

●       Accidental Hospitalization

●       Emergency Medical Evacuation

●       Doctor Consultations

●       Diagnostic Tests

●       Child Vaccination

●       Newborn Baby Cover

●       Medical Treatment Abroad

●       Outpatient Medical Expenses

●       Medications

●       Dental Consultation and Diagnostics

Future Generali Criticare Plan

Future Generali CritiCare is a dedicated critical illness insurance policy designed to provide a lump-sum payout on the first diagnosis of any covered critical illness. Available on an individual or floater basis, the plan offers financial protection against 12 major critical illnesses.

Coverage of Future Generali Criticare Plan

●       Lump Sum Payout on diagnosis of any of the 12 specified critical illnesses.

●       Applicable on first-time diagnosis only.

●       Waiting period of 90 days from the start of the policy.

●       A 28-day survival period post-diagnosis is required to be eligible for the benefit.

●       Available for individuals aged 6 to 65.

●       Floater coverage available for up to 6 members (self, spouse, children, and parents).

●       Sum insured options:

○        INR 1,00,000 to INR 50,00,000 (18-45 years)

○        Up to INR 20,00,000 (46-65 years)

●       Children can be covered if parents are included in the plan.

Future Generali HospiCash Plan

Future Generali HospiCash is a fixed benefit health insurance plan that provides daily cash allowance during hospitalization. The policy offers financial support for additional non-medical expenses incurred during hospital stays, ICU admissions, and accidental hospitalization.

Coverage of Future Generali HospiCash Plan

●       Daily Hospital Cash: Amounts range from INR 500 to INR 3,000 per day, depending on the plan selected.

●       ICU Benefit

○         Double the daily benefit amount for ICU admissions.

○         Payout up to 10 days per policy year.

●       Accident Hospital Cash

○        Triple the daily benefit amount in case of hospitalization due to an accident.

○         Payout available for up to 15 days per policy year.

●       Maximum Coverage: Daily benefit payable for up to 30 days per hospitalization and 60 days per policy year.

●       Individual and Family Cover Options: Cover available for self, spouse, dependent children, and dependent parents.

Future Generali Accident Suraksha Plan

Future Generali Accident Suraksha is a fixed-benefit personal accident insurance policy that provides financial protection against accidental injuries, disabilities, and death. The plan is designed to safeguard from unforeseen accidents by offering a lump sum payout, regardless of hospitalization costs.

Coverage of Future Generali Accident Suraksha Plan

●       Lump sum payout of the Sum Insured in case of accidental death benefit.

●       100% of the Sum Insured is paid if the insured suffers permanent total disability due to an accident.

●       Proportional payout of the Sum Insured depending on the extent of permanent partial disability.

●       Weekly benefit payout if the insured is temporarily unable to work due to an accident.

●       Accidental hospitalization expenses.

●       Daily cash benefit for each day of hospitalization following an accident.

Future Generali Health Surplus Top-up Plan

Future Generali Health Surplus is a top-up health insurance policy designed to extend your existing health coverage at a low premium. It provides high-value coverage above a defined deductible limit, making it ideal for managing large medical expenses that exceed your base health insurance policy.

Coverage of Future Generali Health Surplus Top-up Plan

●       Inpatient Hospitalization covering room rent, nursing charges, ICU, medical practitioner fees, diagnostic tests, surgery, etc., for hospital stays over 24 hours.

●       Pre-Hospitalization covers medical expenses incurred up to 60 days before hospitalization.

●       Pays for follow-up care and related medical expenses up to 90 days after discharge.

●       Covers expenses for advanced medical procedures requiring less than 24 hours of hospitalization.

●       Covers ambulance services up to INR 1,500 per hospitalization.

Advantages of Availing Future Generali Health Insurance Plans 

Future Generali Health Insurance plans are designed to offer reliable, flexible, and value-driven protection against rising medical expenses. Here’s why they are a steal:

●       Comprehensive Coverage Options: Choose from a wide range of plans, including individual, family floater, top-up, personal accident, critical illness, and hospital cash benefit to suit specific health and financial needs.

●       Lifelong Renewability: All health insurance policies from Future Generali offer lifelong renewal.

●       Cashless Hospital Network: Access to a wide network of hospitals across India for hassle-free cashless treatment and faster claims processing.

●       No Pre-Policy Medical Tests: Most plans waive the requirement of pre-policy medical tests for applicants up to 50-55 years.

●       Pre and Post Hospitalization Cover: All major plans include pre-hospitalization (up to 60 days) and post-hospitalization (up to 90 days) coverage for complete medical expense protection.

●       Cumulative Bonus: Earn up to 50% additional Sum Insured for every claim-free policy year, rewarding healthy living.

●       Free Health Check-ups: Eligible policyholders receive complementary health check-ups after a specified claim-free period at empaneled diagnostic centers.

●       Tax Benefits: Enjoy tax deductions on premium payments under Section 80D of the Income Tax Act.

Exclusions or Incidents Not Covered by Future Generali Health Insurance Plans

While Future Generali Health Insurance offers extensive coverage for a wide range of medical treatments and services, certain conditions, treatments, and circumstances are not covered under the policy. These include:

Injuries or illnesses due to:

●       Alcohol or drug consumption

●       Intentional self-injury

●       War, invasion, foreign enemy acts, or war-like operations (declared or not)

●       Nuclear weapons or materials

Sexual health exclusions:

●       Venereal or sexually transmitted diseases (STDs), excluding HIV/AIDS

●       Sex-change or gender reassignment treatment

Medications and treatments not covered:

●       Non-prescribed drugs or medical supplies

●       Hormone replacement therapy

●       Stem cell storage

Congenital and age-related conditions:

●       External congenital anomalies and related illnesses

●       Age-related disabilities or congenital illnesses present from birth

Pregnancy and reproductive care:

●       Pre- and post-natal care

●       Circumcision (unless medically necessary due to illness or accident)

How to Apply For Future Generali Health Insurance Plans?

Applying for a Future Generali Health Insurance plan is quick, secure, and entirely online. Follow the simple steps below to get covered instantly:

●       Choose Your Plan: Browse available health insurance plans and select the one that best matches your coverage needs.

●       Fill Out the Proposal Form: Complete the online form with your personal and health details to initiate the application process.

●       Make Payment: Pay the premium securely through credit card, debit card, UPI, or net banking.

●       Get Instant Policy Issuance: Once payment is confirmed, your health insurance policy is issued and sent directly to your registered email.

How to Renew a Future Generali Health Insurance Policy?

Future Generali Health Insurance renewal is simple, fast, and entirely digital. Follow these easy steps to stay protected without a break in coverage:

●       Visit the Official Website of the Renew section or via the FG Insure App, online customer portal, WhatsApp support, or by calling customer care

●       Verify Policy Details by entering your existing Policy Number, Date of Birth, or Registered Mobile Number.

●       Review your plan by checking the sum insured, insured members, and policy period.

●       Choose your preferred payment method and complete the premium payment.

●       Once the payment is successful, the Future Generali Health Insurance renewal document is instantly issued and shared on your registered email and phone.

Benefits of Renewing a Future Generali Health Insurance Before Expiry 

Future Generali Health Insurance renewal before expiry ensures uninterrupted coverage and continued access to benefits.

●       Zero Paperwork: Experience a seamless, 100% digital process for policy renewal, claims, and account management with no paperwork required.

●       24/7 Customer Support: Get round-the-clock assistance through multiple digital platforms for effortless and instant service.

●       Policy Continuity: Maintain benefits such as waiting periods, pre-existing disease coverage, and other long-term advantages.

●       Hassle-Free Claims: Ensure seamless and uninterrupted claim approvals without re-evaluation or fresh underwriting.

●       Peace of Mind: Stay stress-free knowing your health insurance coverage is active and accessible when you need it most.

Future Generali Health Insurance plans are designed to meet diverse healthcare needs with flexible coverage, lifelong renewability, and trusted claim support. With features like cashless treatment, high claim settlement ratio, and value-added benefits across plans, it ensures financial protection and peace of mind for individuals and families.

Now, easily explore and compare Future Generali’s range of health insurance plans on Quickinsure — your one-stop platform offering easy insurance comparison, instant policy issuance, affordable prices, and access to 50+ insurers. Plus, benefit from a dedicated support team to guide you every step of the way.

Get covered with confidence, the smart way!

FAQs

1. What is covered under the Future Generali Health Suraksha Plan?

The Future Generali Health Suraksha Plan covers hospitalization, pre- and post-hospitalization, ambulance charges, organ donor expenses, accidental hospitalization, patient care, and other key medical costs.

2. Is there a cashless facility available with Future Generali Health Insurance?

Yes, Future Generali Health Insurance offers a cashless facility at network hospitals across India, allowing hassle-free treatment without upfront payment.

3. Can I increase the sum insured of the Future Generali Mediclaim policy during renewal?

Yes, you can increase the sum insured of your Future Generali Mediclaim policy at the time of renewal, subject to underwriting approval and policy terms and conditions.

4. What does the Future Generali HospiCash Plan cover?

The HospiCash Plan provides fixed daily payouts for hospitalization, ICU stays, and accidents, with coverage up to 60 days per year and no medical test required up to age 55.

5. Can I port my existing health insurance policy to Future Generali?

Yes, you can port your existing health insurance policy to Future Generali as per IRDAI portability guidelines, ensuring continuity of benefits like waiting periods without losing coverage.

6. What is the policy cancellation process for Future Generali Health Insurance?

To cancel a Future Generali Health Insurance policy, submit a written request mentioning the insured’s name(s), policy number, reason for cancellation, preferred cancellation date, and signatures of all policyholders.

7. What happens if I miss both the renewal date and the grace period?

If you miss both the renewal date and the 30-day grace period for your Future Generali Health Insurance policy, the policy will lapse. This results in loss of coverage and continuity benefits like No Claim Bonus and waiting period credits.

8. Can I renew my Future Generali Health Insurance policy if I have filed a claim in the previous year?

Yes, you can renew your Future Generali Health Insurance policy even if you have filed a claim in the previous year.

Published on - 26/09/2015