Future Generali Health Insurance Claim Settlement

The reimbursement claim process is available when you get treatment at a non-network hospital. Under this option, you have to first foot your medical bills and avail hospital treatments, then raise a reimbursement claim with Future Generali. The process includes:

• Inform Future Generali about the hospitalisation of the insured individual in the non-empanelled hospital.
• Pay the hospital medical bills from your own pocket.
• Collect all the original medical documents from the hospital
• Send these documents along with a duly-filled claim reimbursement form to Future Generali.
• The insurer will verify the documents.
• In case of approval, the payment is transferred to your account through NEFT.

• A copy of health card
• Original investigation reports
• ​Duly filled-in and signed claim form.
• FIR or post-mortem report if happened
• Pharmacy bills along with the prescription
• Original bills, receipts, and discharge report
• Original hospital bills and a valid photo ID proof
• Summary from the hospital or nursing home
• Medico-Legal Certificate, in case of accidents
• Treating doctor's report, and original consultation notes
• Test reports along with attending doctor’s or surgeon’s report
• Canceled Cheque or scanned copy of the 1st page of passbook or bank statement.
• A copy of the identification card of the patient and PAN card of the insured individual.

Note: Claims with the amount of Rs.1 lakh and above need KYC form, photocopy of anyone KYC document (Aadhaar card, driving license, voter ID, passport, etc)

Incurred Claims Ratio or ICR lets you know the ability of an insurance company to make payments towards claims. The ICR of more than 50% is considered good. The ICR of Future Generali for FY 2018-19 is 73%. So, it can be considered as a reliable insurer to buy health insurance from.