Future Generali Future Aarogya Bima Health Insurance

Claim Settlement | Dedicated Team |
Claim Settlement Ratio | 95% |
COVID-19 Cover | Yes |
Network Hospitals | 5,100+ |
Policies Sold | 64,670 |
Renewability | Lifelong |
About Future Generali Future Aarogya Bima Health Insurance
Future Aarogya Bima is a great insurance option by Future Generali. Renowned for covering the entire family, this comprehensive policy is available on both, individual and family floater sum insured basis. Providing extensive coverage at an affordable premium, Future Aarogya Bima comes with a minimum policy period of 1 year and a maximum policy period of 3 years. Available in plan options, Plan A, Plan B, and Plan C with varied mandatory co-payment rates, Future Aarogya Bima allows coverage for self, spouse, up to four dependent children and two dependent parents under individual option. Under family floater option, the policy allows the inclusion of spouse, and up to three dependent children apart from self.
The best solution to gain financial security without losing peace of mind, the policy assures coverage for in-patient treatment, room rent including boarding & nursing expenses, daycare expenses, pre-hospitalisation expenses, post-hospitalisation expenses, etc. The policy comes with the sum insured options of Rs. 2 Lakh, Rs. 3 Lakh and Rs. 5 Lakh to cater to the different medical needs of an individual or family.
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Key Inclusions and Exclusions of the Plan
What's Included
- Wide coverage for hospitalisation & other benefits
- Sum insured options starting from Rs. 2 Lakh to Rs. 5 Lakh
- 50% reimbursement of pre-insurance medical test when insured is 51 years and above
- Medical expenses incurred for up to 60 days prior to date of admission into the hospital
- Medical expenses incurred for up to 90 days after the date of discharge from the hospital
What's Not Included
- Expenses related to Sexually Transmitted Diseases
- Costs incurred on all treatment methods including AYUSH, except Allopathic
- Obesity treatment, and other weight control programs, services & supplies
- Cataract, Tumour, Hernia, and other diseases/surgeries covered after 24 months period
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Future Generali Aarogya Bima Expert Review
Expert Review
Future Aarogya Bima is yet another gem offered by Future Generali. This policy is an ultimate choice for family health insurance as it lets you ensure protection of each member without encountering financial shortage at the time of a medical emergency. Allowing complete security as well as peace of mind at an affordable premium rate, Future Aarogya Bima is worth considering for anyone seeking health insurance for all their loved ones under a single plan.
For Future Aarogya Bima, while the minimum entry age is 18 years, the maximum entry age is 70 years. You can even get your children covered under the plan if they fall between the age range of day 1 up to 25 years. Available under individual and family floater sum insured basis, Future Aarogya Bima features a policy period of 1 year, 2 year, and 3 years. Offered under three plan options, Plan A, Plan B, and Plan C according to their mandatory co-payment rate, the policy comes with a sum insured range starting from Rs. 2 Lakh up to Rs. 5 Lakh.
Major Attractions
Future Aarogya Bima, at every step, proves why it is a worthy choice. Providing superior coverage for entire family, be it adults, parents or kids, Future Aarogya Bima is a prime plan by the insurer that comes with plentiful benefits. While one of the major highlights of the policy is its coverage for children from day 1, there are various other features that make it complete. The prime features that take the worth of Future Aarogya Bima to the next level include -
- Inpatient hospitalisation expenses including room rent, boarding charges, nursing expenses, and others
- Coverage for cost of medicines & drugs; diagnostic materials; OT charges; fees of consultant, specialists, and others
- 60 days pre-hospitalisation medical treatment
- 90 days post-hospitalisation medical treatment
- Day care treatment expenses
- Freedom from pre-insurance medical examination for insured up to 50 years of age
- 50% reimbursement of pre-insurance medical test cost for insured individual aged 51 years and above
- Instalment facility for premium payment available
What’s More?
Future Aarogya Bima is an excellent family health insurance choice, owing to the wide range of benefits that it has to offer. Designed to be comprehensive, the policy includes an array of valuable features that allow the insured to gain even more than expectations. Elements that play an important role in the policy comprise of -
- Lifetime renewal
- Free look period - 15 days
- Grace period - 30 days
- Pre-existing disease coverage after a waiting period of 48 months
- Long term discount - 5% discount for 2 year policy & 10% for 3 year policy
- Family discount - 5% discount on covering more than 1 family member under single proposal with individual sum insured
- Tax benefits under Section 80D of the Income Tax Act
Conclusion
Needless to say, Future Aarogya Bima brings the much-desired financial stability for one, especially when they are already facing health issues on the physical and mental level. If this policy seems apt for your requirements, you can go for it without thinking twice.
It is advisable to purchase Future Aarogya Bima online so that you can get the policy issued as soon as possible. Besides, InsuranceDekho, as an online platform, would be helpful in gaining benefits such as policy portability, policy transparency, claim settlement support, and others.

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FAQs on Aarogya Bima Health Insurance Plan
What is the minimum and maximum eligible age for Future Aarogya Bima?
While the minimum entry age for Future Aarogya Bima is 1 day, the maximum entry age is 70 years.
What are the sum insured amount options available under Future Aarogya Bima?
For Future Aarogya Bima, the 3 sum insured amount options available are Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 5 Lakh.
Does Future Aarogya Bima comes with a maximum renewal age?
Future Aarogya Bima doesn’t have a maximum renewal age. The policy is renewable for lifelong.
What is the percentage of mandatory co-payment available under each plan of Future Aarogya Bima?
Talking about Plan A, there is a mandatory co-payment of 10%. Plan B comes with a mandatory co-payment of 10% and additional co-payment of 20%. Lastly, Plan C has a mandatory co-payment of 10% with an additional co-payment of 30%.
Do I have to undergo pre-insurance medical test for taking Future Aarogya Bima?
In case, your age is above 50 years or you have any adverse medical declaration in the proposal form, a pre-insurance medical examination would be a must.
What is the waiting period associated with pre-existing diseases for Future Aarogya Bima?
Future Aarogya Bima provides cover for pre-existing diseases after a waiting period of 48 months.
Does Future Aarogya Bima offer tax benefits?
Under Future Aarogya Bima, premium paid by any mode other than cash and demand draft is eligible for tax relief as offered under Section 80D of the Income Tax Act.
Does Future Aarogya Bima feature discounts?
Future Aarogya Bima provides two discount types, namely Long-term Discount and Family Discount. Under Long-term Discount, you get 5% discount for a 2-year policy and 10% for a 3-year policy. Under Family Discount, you get 5% discount on covering more than 1 member under single proposal with individual sum insured.
Can I purchase Future Aarogya Bima online?
Yes, you can purchase Future Aarogya Bima online! You can either visit the official website of Future Generali or talk to InsuranceDekho experts at 1800 1205 698 to explore more about the policy and further purchase process.
Does Future Aarogya Bima feature loading on premium for adverse claim experience?
No! There is no loading on premium for adverse claim experience under Future Aarogya Bima.