Benefits of Future Generali Health Insurance
A leading Indian retailer Future Group and a global insurance company, Generali Group, came together to form Future Generali General Insurance Company. The company sells various types of retail as well as commercial insurance products.
Ever since it was formed, Future Generali has sold over Rs. 82 Lakh policies and has a network of more than 2000 corporate clients. It is located throughout India with more than 125 branches and, as of September 2017, has more than Rs. 2484 crore as assets under management.
Future Generali offers good health insurance plans which have comprehensive coverage benefits for policyholders. The premiums are also competitive and the company aims to provide the best services to its customers.
Additional Benefit of Free Health Check upYou can avail the benefit of free health check-ups under Future Generali’s health insurance plans. These health check-ups form a part of the coverage benefit and are allowed once in a period of 1 to 4 years across plans.
Additional Protection over Employer CoverageEmployees who are covered under their employer’s sponsored health insurance plans can also opt for a separate health plan from Future Generali. Buying an independent health plan would give individuals control over their coverage level as well as enable them to avail the required coverage benefits.
Cashless BenefitCashless claims are when you avail treatments at a hospital tied-up with the insurance company. Under cashless claims you get the freedom from medical costs as the costs are settled directly by the insurer. To facilitate cashless claim settlements, Future Generali has tied up with more than 5000 hospitals in the country.
Claim Settement RatioClaim settlement ratio depicts the percentage of claims settled by the insurance company in one financial year. Future Generali had a ratio of 86.09%* showing that most of the claims presented on the company get settled easily. *The claim settlement ratio change from time to time.
Coverage against Medical ExpensesThe health insurance plans offered by Future Generali have some of the best inbuilt coverage benefits. Right from the expenses incurred before being hospitalised to the expenses incurred after being discharged, Future Generali’s health plans cover everything. Moreover, the coverage benefits also include the cost of ambulance, day care treatments, domiciliary treatments, organ donor expenses, etc. If you want maternity coverage or the benefit of sum insured restoration, the same can be availed under comprehensive health plans offered by the company.
Incurred Claim RatioIf the insurance company earns Rs. 100 as premiums in a year and pays Rs. 90 towards claims in the same year, the Incurred Claim Ratio (ICR) is said to be 90%. Ratios which are lower than 100% are better because they show that the company made a profit. In the financial year 2019-2019, Future Generali had an ICR of 73%* which shows that the company also made comfortable profits. *The incurred claim ratio change from time to time.
Tax BenefitPaying premiums of health insurance plans also earn you tax deductions. Section 80D allows health insurance premiums paid up to Rs. 55,000 (Rs. 25,000 for individual and Rs. 30,000 for senior citizen) as tax-free deductions.
Future Generali Health Insurance Plan List
|Name of Plan||Sum Insured|
|Future Health SurakshaMin: 90 Days; Max: 70 Years||50 Thousand||Get Quotes Now|
|Health TotalMin: 1 Day; Max: No Limit||3 Lakh||Get Quotes Now|
|Future Varishta BimaMin: 60 years; Max: No Limit||2 Lakh||Get Quotes Now|
|Future CriticareMin: 6 Years; Max: 65 Years||1 Lakh||Get Quotes Now|
|Aarogya BimaMin: 1 Day; Max: 70 Years||2 Lakh||Get Quotes Now|
|Future HospiCashMin: 6 Months; Max: 65 Years||500/day||Get Quotes Now|
|Vector CareMin: 1 Day; Max: 65 Years||10 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 Years||50,000 - 5 lakh||Get Quotes Now|
|Corona Rakshak PolicyMin: 18 years; Max: 65 years||50,000 - 2.5 lakh||Get Quotes Now|
Future Generali Health Insurance User Reviews
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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.