Future Generali Health Insurance

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Highlights

5,100+ Network Hospitals

64,670 Policies Issued

Lifelong Renewability

87.68% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

About Future Generali India Insurance

Future Generali India Insurance is a joint venture of Future Group-a leading retailer of India and Generali Group-a global insurance group. With its presence in more than 125 branches across India, the insurer provides comprehensive insurance solutions to the customers and enterprises through personal, commercial, retail, and rural product offerings. The products offered by the insurer are health insurance, motor insurance, travel insurance, home insurance, personal accident insurance, lifestyle insurance, commercial insurance, social/rural insurance, and PMFBY. The company has a solid foundation with assets of more than Rs. 3,629 crore. It has a strong customer base and has sold more than 82 lakh policies across the country. The insurer is operating with a vision of actively protecting and enhancing people’s lives through its varied insurance products. 

Future Generali India Insurance offers a wide range of health insurance products at affordable premiums for different sections of society. The insurer offers health insurance for individuals, families, senior citizens, disease-specific health insurance plan, top-up health insurance, and super top-up health insurance plans. The plans offer comprehensive coverage along with several benefits like tax benefits, free look period, grace period, and lifetime renewability benefit. All in all, the insurer offers insurance products that meet all the major health insurance requirements of an individual. 

How to Purchase Future Generali Health Insurance Policy at InsuranceDekho? 

You can purchase Future Generali Health Insurance plans at InsuranceDekho in online as well as offline mode. Both of them offer you the utmost convenience. 

Buy Future Generali Health Insurance Plan Online At InsuranceDekho

To buy Future Generali Health Insurance plans online, you can follow the simple steps given below. The process takes a few minutes. 

Step 1: Visit insurancedekho.com. Click on the ‘health’ tab.
Step 2: Select your Gender and enter the personal details like Name and  Mobile Number. You will receive an OTP on the provided mobile number. Please enter that. 
Step 3: Tell us ‘When do you want to buy the policy’ by choosing the most relevant answer from the drop-down menu. Click on the ‘View Quotes’ button. 
Step 4:  Select your family members who you want to add to your health insurance policy. Click on the ‘Continue’ button. 
Step 5: Select the age of the family members selected. 
Step 6: Enter your Email ID and City. Click on the ‘Submit and View Quotes’ button. You will see the most suitable health insurance quotes on your screen. Shortlist the one you wish to buy. 
Step 7: Select the policy term for the shortlisted health insurance plan. Fill in the required details. Pay the required health insurance premium online. 

Buy Future Generali Health Insurance Plan Offline At InsuranceDekho

To buy Future Generali Health Insurance plans offline at InsuranceDekho, you will be required to share your requirements with our knowledgeable customer care executives. You can connect with them on the toll-free number 7551-196-989 any day between 9:30 AM to 6:30 PM. 

You can also get your queries solved by writing to us at customersupport@insurancedekho.com. 

Top Future Generali Health Insurance Plans

  1. Future Generali Health Total Policy: Future Generali Health Total Policy is a comprehensive health insurance plan that is available in three variants, viz., Vital, Superior, and Premiere. People aged above one day can be covered on an individual as well as floater basis. There is no maximum age under this policy. Available for sum insured options ranging between Rs. 3 lakh and Rs. 1 crore, the minimum and maximum terms for which you can purchase the policy are 1 year and 3 years respectively. The policy covers you for expenses related to in-patient hospitalisation, pre-hospitalisation and post-hospitalisation, daycare treatments, newborn baby cover, wellness care, domiciliary treatment, road ambulance, alternative treatments, medical e-opinion, etc. 
  2. Future Criticare Policy: Future Criticare Policy keeps you and your family protected against medical expenses arising due to critical illnesses. People aged between 6 years and 65 years can be covered under this policy or sum insured options ranging between Rs. 1 lakh and Rs. 50 lakh. The policy provides you a lump sum benefit in the event of diagnosis or procedure of 12 critical illnesses including cancer, liver failure, kidney failure, and aorta graft surgery. You can purchase this policy on a floater basis and add yourself, spouse, up to two dependent children (until 25 years), and two dependent parents. 
  3. Future Hospicash Policy: Future Hospicash Policy covers you for any incidental expenses that your regular health insurance might not be covering. The policy provides you cash benefits in case you or your family member get hospitalised. You can be covered under this policy if you are aged between 6 years and 65 years. The plan covers you for ICU benefit within and outside the city of residence with twice and thrice of the per day benefits respectively, an additional convalescence benefit, and ICU benefit. You can purchase this policy on a floater basis and include self, spouse, and up to 2 dependent children under it.  
  4. Future Health Suraksha Policy: Future Health Suraksha Policy is available in 4 variants namely, Gold, Platinum, Topaz, and Ruby, and can be purchased on an individual as well as a family floater basis. The policy offers sum insured options ranging between Rs. 50,000 and Rs. 10 lakh. You can be covered under this policy if you are aged between 90 days and 70 years for a minimum policy term of 1 year and a maximum of 3 years. The policy offers you many coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, and organ donor expenses. Some variants of the plan also cover you for hospital cash and patient care expenses. 
  5. Future Varishta Bima Policy: Future Varishta Bima Policy takes care of the medical expenses for senior citizens. You can purchase this policy if you are aged above 60 years for sum insured options ranging between Rs. 2 lakh and Rs. 10 lakh and policy terms between 1 year and 3 years. You can include yourself and spouse under this policy and enjoy several coverage benefits such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, road ambulance expenses, and free annual medical check-up. The policy can be renewed for a lifetime provided the premiums are paid timely before the policy expiration.  

What Is A Health Insurance Top-up Plan and Why Should I Buy It?

A top-up insurance plan is like a regular health insurance policy except that it offers cover against medical expenses incurred above the sum insured of your base policy after the threshold limit is crossed. Top-up plans are affordable in nature and come with a deductible. The deductible is the amount that is part of the claim amount that you as an insured, have to pay in order to avail the policy benefits. 

Future Generali offers a top-up plan named Future Health Surplus that provides additional protection to you and your family against medical expenses. It covers you against room, board, nursing expenses for hospitalisation of at least 24 hours, and other in-patient expenses. People aged between 3 months and 18 years can be covered under this policy. It comes with sum insured options ranging between Rs. 3 lakh and Rs. 10 and deductible options ranging between Rs. 2 lakh and Rs. 5 lakh. 

Future Generali Health Insurance also offers Future Advantage Top-Up policy. It is a deductible health insurance plan that provides extra coverage at an affordable premium to you and your family. The plan is available in two types namely Supreme plan and Elite plan. The former includes cover for all the ailments such as cancer and heart-related conditions whereas the latter only covers you for cancer and heart-related ailments only. People aged between 1 day and 18 years can be covered under this policy for a term of 1 year to 3 years. The sum insured options for this policy range between Rs. 50,000 and Rs. 1 crore and deductible options range between Rs. 50,000 and Rs. 40 lakh. 

Why Choose Future Generali Health Insurance?

Future Generali Health Insurance is a preferred choice for many because of the following reasons:

  • In-House Cashless Claim Settlement: Future Generali Health Insurance has an in-house team for claim settlement that ensures the smooth settlement of claims.
  • Cashless Treatment at Over 5,100 Hospitals: Future Generali Health Insurance has a wide network of 5,100 hospitals where the insured can avail cashless treatment.
  • Impressive Claim Settlement Ratio: Future Generali Health Insurance has an excellent Claim Settlement Ratio of 87.68% that shows that the insurer is good at settling claims. 
  • A Variety of Comprehensive Health Insurance Plans: Future Generali Health Insurance offers a variety of health insurance plans for individuals and families catering to their varied needs. 

Benefits of Future Generali Health Insurance Plans

Future Generali Health Insurance plans offer you the following benefits:

  • Restoration of the Sum Assured: Future Generali Health Insurance plans offer automatic restoration of the sum insured if it gets exhausted on the claims made during a policy term.
  • Quick Settlement of Claims: You can enjoy quick and transparent claim settlement under Future Generali Health Insurance plans. 
  • Wide Sum Insured Range: Future Generali Health Insurance plans offer a wide range of sum insured between Rs. 1 lakh and Rs. 1 crore that you can choose as per your requirement.
  • Portability Benefit: You can switch to Future Generali Health Insurance plan in case you are not satisfied with your current health insurance policy offered by any other insurer.
  • Lifetime Renewability: Future Generali Health Insurance plans are renewable for a lifetime provided you pay the renewal premium on time. 

Future Generali Health Insurance Claim Settlement Ratio

Claim Settlement Ratio (CSR) reveals the ratio of claims settled by an insurer against the total number of claims received during a financial year. For instance, if the CSR of a health insurance company is 80%, then it means that the insurer was able to settle 80 claims out of the total 100 claims received during a financial year. Given below is the Claim Settlement ratio of Future Generali Health Insurance for the financial years 2018 and 2019:  

Financial Year

Claim Settlement Ratio

FY 2017-2018

                     86.09%

FY 2018-2019

87.68%

(Source: IBAI’s General Insurance Claim Insights Handbook For Policyholders - 3rd & 4th Edition) 

Network Hospitals of Future Generali Health Insurance

A network hospital is the hospital that has tie-up with the insurer and offers the insured cashless treatment. Future Generali Health Insurance has a good number of more than 5,100 network hospitals where you can avail cashless treatment without any hassle by following a few steps that are mentioned further in the article. 
Future Generali Health Insurance Policy Terms

Future Generali Health Insurance plans are available with the following terms: 

Minimum Entry Age

18 years

Maximum Entry Age

65 years 

Policy Renewal

Lifetime renewability offered 

Renewal Premiums

Premiums paid on health insurance renewals are subject to change.

General Waiting Period

A waiting period of 30 days is applicable. It will begin from the date of policy issuance. You will be eligible to avail policy benefits only when you complete the waiting period.    

Note that different Future Generali health Insurance plans come with different features. 

Future Generali Health Insurance Claim Process

Under your Future Generali Health Insurance plans, you can make claims in two ways. These are cashless and reimbursement. Both ways help you seek medical treatment in the case of planned or emergency hospitalisation. 

How To Make A Future Generali Health Insurance Cashless Claim?

Given below are simple steps that you are required to follow to make a cashless claim under Future Generali Health Insurance plan:

Step 1: Get Hospitalised 

Get hospitalised at a network hospital of your choice and show your Future Generali health insurance card at the hospital desk. Inform the insurer about your hospitalisation on the toll-free number 1800-103-8889

Step 2: Submit a Cashless Claim Form 

Submit the duly filled cashless claim form to the insurer. 

Step 3: Document Verification

Future Generali Health Insurance will verify your documents for further processing of the claim. 

Step 4: Claim Settlement 

The insurer will approve and pay for the claim directly at the hospital if it is in accordance with the terms and conditions of the policy. 

How To Make A Future Generali Health Reimbursement Claim?

Given below are simple steps that you are required to follow to make a reimbursement claim under Future Generali Health Insurance plan:

Step 1: Get Hospitalised

Get hospitalised at a non-network hospital of your choice and inform the insurer about the hospitalisation.

Step 2: Pay at the Hospital

Settle the medical bills related to your treatment at the hospital. 

Step 3: Collect the Relevant Documents From the Hospital

Collect the documents related to your treatment from the hospital for the process of claim settlement.

Documents Required for Reimbursement Claim

The list of documents required is mentioned below:

  • Duly filled claim form along with the claimant’s signature
  • Duly filled, signed and stamped Medical Certificate Form by the treating doctor  
  • Original Discharge Card/Summary from the hospital/nursing home 
  • Doctor's consultation reports
  • Hospitalisation and other medical bills, 
  • Original receipts
  • Cash Memos and prescriptions from hospital 
  • Cash memos from the pharmacy 
  • Investigation reports 
  • Medico Legal Certificate (MLC) in case of accident

Step 4: Claim Settlement

If the insurer finds the claim in accordance with the terms and conditions of your policy, then it will pay you the required amount. 

Future Generali Health Insurance Renewal Process

Renewing your Future Generali Health Insurance plan is as important as buying it. You are required to pay renewal premium after your policy period in order to renew your health insurance policy. Health insurance renewal allows you to keep availing benefits under your health insurance policy. You can renew your Future Generali Health Insurance policy by following the steps given below:  

Step 1: Visit the official website of Future Generali Health Insurance and click on ‘Renew’. 

Step 2: Fill in your policy details and Click on ‘Renew’. 

Step 3: Select the most suitable renewal quote for you.

Step 4: Pay online via a secured payment gateway.

Future Generali Health Insurance Tax Benefits 

Health insurance premiums paid for Future Generali Health Insurance plans are subject to tax deduction under Section 80D of the Income Tax Act, 1961. You can enjoy the benefits for the number of years of the cover in case you pay the premium in one go. If you are a senior citizen, then you can avail of higher tax benefits as compared to those who are young. To understand the tax deductions better, refer to the table below:

Situations

Premium Paid

Deduction under Section 80D of the Income Tax Act

Self, Family, Children

Parents

When the policyholder as well as parents are less than 60 years of age

Rs. 25,000

Rs. 25,000

Rs. 50,000

When the policyholder and family members are aged below 60 years with parents aged more than 60 years

Rs. 25,000

Rs. 50,000

Rs. 75,000

When the policyholder, family members, and parents are aged more than 60 years 

Rs. 50,000

Rs. 50,000

Rs. 1,00,000

Members of the Hindu Undivided Family

Rs. 25,000

Rs. 25,000

Rs. 25,000

Non-Resident Individuals 

Rs. 25,000

Rs. 25,000

Rs. 25,000

Future Generali Health Insurance Premium Calculation

Health insurance premium is the amount that you pay to the insurance provider in order to avail benefits under your health insurance policy. You are required to pay a health insurance premium after the policy term and before your policy gets expired. For instance, if you have bought a one-year health insurance policy, then you will be required to pay the premium annually. 

Health insurance premium calculation is important as it gives you an estimate of the premium that you will be required to pay for the shortlisted health insurance plan. You can use InsuranceDekho’s health insurance premium calculator to know the approximate premium amount. The premium may differ for different health insurance plans as well as individuals. Listed below are the factors that affect your health insurance premium:

  • Age: Opting for a health insurance policy at an early age allows you to save on health insurance premiums. This is because you are less prone to disease and illnesses due to a strong immune system when you are young. So, the earlier you purchase a health insurance policy, the lesser premium you will be required to pay for your Future Generali Health Insurance plan. 
  • Sum Insured: The higher sum insured amount you choose, the higher coverage you will receive under your Future Generali Health Insurance plans, and hence the higher premium you will be required to pay. But you should not compromise on the sum insured amount thinking about the higher premium. This is because a health insurance policy with a lower sum insured amount may be insufficient for you in the event of a major medical emergency. In such cases, you can also opt for a top-up health insurance plan that reduces your financial liabilities without compromising on coverage. 
  • Pre-Existing Diseases: Pre-existing diseases are the medical conditions that the policyholder is already affected at the time of purchasing a Future Generali Health Insurance policy. If you are suffering from any pre-existing disease, then you will be required to pay a higher premium as then you will be more likely to get hospitalised and make claims compared to others. 
  • Type of Policy: Type of Future Generali Health Insurance policy that you choose affects your health insurance premium. For instance, if you go for a family floater plan where two or more people are covered under the same policy, then it will allow you to reduce the premium cost in comparison to if you cover every member on an individual basis. 
  • Smoking Habits: Smoking affects adversely on your health. If you smoke regularly, then it may lead to serious illness(es) or disease(s) that require hospitalisation, thereby creating a greater liability on the insurer. Therefore, you will be required to pay a higher premium for Future Generali Health Insurance plans in case you are habitual to smoking. 

What All Is Covered Under Future Generali Health Insurance Plans?

Future Generali Health Insurance plans cover you against the following healthcare expenses: 

  • In-Patient Hospitalisation Expenses: In-patient hospitalisation expenses are those medical expenses that are incurred during 24 hours of hospitalisation. These include room rent, nursing, boarding, oxygen, blood, anesthesia, Surgeon’s fees, etc. Future Generali Health Insurance plans provide you cover for such expenses. 
  • Pre-Hospitalisation And Post-Hospitalisation Expenses: Pre-hospitalisation and post-hospitalisation expenses are those which are incurred before and after hospitalisation. Future Generali Health Insurance plans cover you for such expenses for a specific number of days. These expenses may be incurred on several tests such as blood tests, urine tests, consulting fee, medicine costs. diagnostic charges, etc.
  • Road Ambulance Expenses: Future Generali Health Insurance plans cover you for expenses related to domestic road ambulance services to the nearest hospital. The ambulance will have all the necessary facilities required during transportation of the patient.
  • Expenses Related to Daycare Procedures: Daycare procedures are those medical treatments that, due to medical advancements,  require hospitalisation of fewer than 24 hours. For instance, chemotherapy, radiology, cataract surgery etc. Future Generali Health Insurance plans cover you for expenses incurred on daycare procedures.  
  • Organ Donor Expenses: Future Generali Health Insurance plans offer cover for the expenses related to organ donor’s treatment for the harvesting of the organ. 

What All Is Not Covered Under Future Generali Health Insurance Plans? 

Future Generali Health insurance plans do not cover you against the following: 

  • Injuries Caused Due to War: Future Generali Health Insurance plans do not provide you cover against any injury that is caused directly or indirectly, arising from or attributable to war, act of foreign enemy, invasion or declared or non-declared act of war.
  • Treatment of Illness(es) Arising Due to Consumption of Alcohol: Future Generali Health Insurance plans do not cover you against expenses incurred on treatment of any illness or diseases due to alcohol use, misuse or abuse, narcotic substance or drugs, whether prescribed or not.  
  • Expenses Incurred on Treatment of HIV/AIDS: Future Generali Health Insurance plans do not cover you against expenses related to treatment of AIDS and illnesses arising due to it. 
  • Injuries Caused Due to Self-Harm: Future Generali Health Insurance plans do not cover you against any injury caused due to attempt of suicide or any other activity with an intention of self-harm. 
  • Experimental or Unproven Treatments: Future Generali Health Insurance plans do not cover you against expenses for any treatment required for the purpose of experiment or a treatment which is unproven in nature. 

Note that inclusions and exclusions vary with different Future Generali Health Insurance plans.  

Future Generali Health Insurance Plan List

Name of PlanSum Insured
Future Health SurakshaMin: 90 Days; Max: 70 Years50 Thousand Get Quotes Now
Health TotalMin: 1 Day; Max: No Limit3 Lakh Get Quotes Now
Future Varishta BimaMin: 60 years; Max: No Limit2 Lakh Get Quotes Now
Future CriticareMin: 6 Years; Max: 65 Years1 Lakh Get Quotes Now
Aarogya BimaMin: 1 Day; Max: 70 Years2 Lakh Get Quotes Now
Future HospiCashMin: 6 Months; Max: 65 Years500/day Get Quotes Now
Vector CareMin: 1 Day; Max: 65 Years10 Thousand Get Quotes Now
Arogya Sanjeevani Policy Min: 3 Months; Max: 65 Years 1 Lakh - 5 Lakh Get Quotes Now
Corona Kavach PolicyMin: 1 Day; Max: 65 Years50,000 - 5 lakh Get Quotes Now

Future Generali Health Insurance Top Up List

Name of PlanSum Insured
Health SurplusMin: 3 Months; Max: 65 Years3 lakh Get Quotes Now
Future Advantage Top UpMin: 1 Day; Max: No Limit50 Thousand Get Quotes Now

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

1130 Future Generali India Insurance Cashless Network Hospitals in India

Future Generali Health Insurance User Reviews

  • Cost-effective insurance plan

    The Arogya Sanjeevani is an economical and beneficial plan offered by the Future Generali. I wanted to buy a plan like this for a long time but my wai...

    Read More
    N
    Neeraj Garg
    On: Jun 18, 2020 | Views
  • Great coverage offered

    I bought this Arogya Sanjeevani Plan from InsuranceDekho platform and got highly impressed with its coverage. It offers me coverage for in-patient hos...

    Read More
    H
    Harsh
    On: Jun 17, 2020 | Views
  • Got the plan in no time

    This health insurance policy was issued to me in a few minutes at InsuranceDekho. The platform promises to issue the plan instantly after payment and ...

    Read More
    O
    Om Naresh Sharma
    On: Jun 15, 2020 | Views
  • Customise the plan easily

    At InsuranceDekho, I can easily customize my Arogya Sanjeevani Plan without any hassle. It offers me different options like add-ons, top-ups, and othe...

    Read More
    K
    Karan Naresh
    On: Jun 14, 2020 | Views
  • Quality support available

    I got extraordinary experience while having the word with an InsuranceDekho customer care person. He told me all the benefits of different plans of di...

    Read More
    A
    Abhishek Prasad
    On: Jun 12, 2020 | Views
  • Got covered for many benefits

    Under my Future Generali Health Total Plan, I get covered for many benefits. It comes with many variants and I chose the one which was most suitable f...

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    R
    Rashi Ravjiani
    On: Jun 03, 2020 | Views
  • Really liked InsuranceDekho’s services

    The buying process of InsuranceDekho is as smooth as butter. I purchased Future Generali Health Surplus plan from them and they helped me understand t...

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    A
    Amol Kumar
    On: Jun 01, 2020 | Views
  • Awesome Health Plans

    I took Future Generali Health Insurance by paying a reasonable premium. This is the perfect plan to cover my family, also at affordable premium cost. ...

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    A
    Amit Singh
    On: May 29, 2020 | Views
  • Digital process is good

    I was not aware of health insurance plans offered by Future Generali. But when the team at Insurance Dekho suggested to me its Health Total Plan, and ...

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    S
    Sakshi Jain
    On: May 27, 2020 | Views
  • Financially secure with this

    This is a new purchase for me. Someone at insurancedekho told me about this plan and i liked it. Finally my money related concerns are over. This plan...

    Read More
    T
    Trilochan Pant
    On: Feb 24, 2020 | Views

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Future Generali Health Insurance FAQs

  • Why should I buy Future Generali health insurance policy?

    Future Generali Health Insurance helps one stay protected during medical emergencies. Known for offering cashless approvals in just 90 minutes, Future Generali provides multiple comprehensive and customer centric plans that come with quick and easy claim settlement.

  • How to apply for and buy Future Generali Health Insurance policy?

    You can apply for and buy Future Generali health insurance policy online from the official website of Future Generali India Insurance Co Ltd., at general.futuregenerali.in or through www.insurancedekho.com. You can also visit the nearest branch of Future Generali health insurance for your convenience and learn more about policies and process of purchase in a detailed manner.

  • What is the toll free customer care number of Future Generali?

    The 24x7 toll free customer helpline number of Future Generali Health Insurance is 1800-220-233.

  • What is the address of Future Generali Health Insurance?

    The correspondence address is- Future Generali India Insurance Co Ltd., Indiabulls Finance Centre, 6th Floor, Tower 3, Senapati Bapat Marg, Elphinstone Road, Prabhadevi (W), Mumbai - 400 013.

  • What is the Claim Settlement Ratio of Future Generali Health Insurance?

    Future Generali holds the claim settlement ratio of 86.09% among health insurers in India.

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