Future Generali Arogya Sanjeevani Health Insurance Wordings

Under this policy, you can cover yourself along with your legally wedded spouse, parents, parents-in-law, and dependent children. Note that you can include your dependent children, whether natural or legally adopted if only they belong to the age group, ranging between 3 months up to 25 years. Also, if your child, above 18 years of age is financially independent, they won’t be considered eligible for coverage in the subsequent renewals.

According to your requirements, you can choose between Rs.1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.

Arogya Sanjeevani Policy, Future Generali features mandatory pre-insurance medical examination if the insured is 56 years and above. Note that the insured individual is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

Arogya Sanjeevani Policy, Future Generali, provides cover for up to 50% of the sum insured for methods such as Uterine Artery Embolization and HIFU, Oral chemotherapy, Balloon Sinuplasty, Deep Brain stimulation, Intra vitreal injections, Robotic surgeries, Immunotherapy, Bronchical Thermoplasty, Intra Operative Neuro Monitoring, Stereotactic radio surgeries, Vaporisation of the prostrate and Stem cell therapy.

Yes! The policy provides an increase in sum insured by 5%, in respect of each claim free year, subject to a maximum of 50% of the sum insured.

Yes! The policy provides a family discount of 5% on covering more than 1 family member, under single proposal with individual sum insured.

Yes! Under Arogya Sanjeevani Policy, Future Generali, you can pay policy premium in monthly (5% loading on standard premiums), quarterly (4% loading on standard premiums), and half-early (3% loading on standard premiums) options.

No! There is no loading on premium for adverse claims experience under this policy.

While the grace period is 30 days (yearly premium payment) and 15 days (other premium payment modes), the free-look period for the policy is 15 days from the date of receipt of the policy.