Future Generali Future Aarogya Bima Health Insurance

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

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

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. 

For Future Aarogya Bima, the 3 sum insured amount options available are Rs. 2 Lakh, Rs. 3 Lakh, and Rs. 5 Lakh.

Future Aarogya Bima doesn’t have a maximum renewal age. The policy is renewable for lifelong.

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%. 

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.

Future Aarogya Bima provides cover for pre-existing diseases after a waiting period of 48 months. 

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.

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.

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.

No! There is no loading on premium for adverse claim experience under Future Aarogya Bima.