Future Generali Health Insurance FAQs

Future Generali Health Insurance

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Highlights

5,100+ Network Hospitals

64,670 Policies Issued

Lifelong Renewability

87.68% Claim Settlement Ratio

Dedicated Claim Settlement

Coronavirus (COVID-19) Cover

Claim Settlement

  • What are the health insurance claim settlement options offered by Future Generali?

    At Future Generali, you can either opt for cashless treatment or reimbursement facility to get your claims settled. 

  • When should I intimate my claim at Future Generali?

    Whether you are opting for cashless treatment or reimbursement mode, make sure you inform as soon as it the medical emergency arises. 

  • How can I make a health insurance claim intimation at Future Generali?

    To initiate a claim, you can either call the insurer or e-mail at insurer's customer support e-mail ID. For more in detail, you can also call us at InsuranceDekho at 18001205698. 

  • What all documents are required for claim settlement process?

    At Future Generali, the list of documents required for claim settlement process includes duly filled Future Generali Claim Form, completely filled Medical Certificate Form, signed and stamped by the treating doctor, Original Discharge Card/Summary from the hospital/nursing home, doctor's consultation reports or history, original hospitalisation & other bills, investigation reports, Cash Memos from hospitals, and Medico Legal Certificate (MLC) in case of an accident.

Critical Illness

  • Does Future Generali offer critical illness coverage?

    Yes, Future Generali offers critical illness under its Critical Illness Insurance policy. 

  • Does Future Generali offer critical illness coverage on family floater basis?

    Yes, Future Generali offers critical illness on family floater basis as well.

  • Who all can purchase critical illness plan by Future Generali?

    Any one in the age group of 18 years to 65 years can opt for Future Generali’s critical illness cover with lifetime renewal option. For children, the eligible age is from 6 years to 25 years, in case parents are insured with the insurer. 

  • Which critical illnesses does Future Generali cover under its critical illness plan?

    Future Generali, under its critical illness plan, covers Cancer, Stroke, Multiple Sclerosis, Coma, Total Blindness, Liver Failure, Major Organ Transplant, Aorta Surgery Graft, Coronary Artery Bypass Graft (CABG), First Myocardial Infraction, End Stage Renal Failure, and Primary Pulmonary Hypertension. 

Family Floater

  • Does Future Generali offer family health insurance?

    Yes, Future Generali offers family health insurance. You can make a choice between Health Suraksha, Health Total, and other plans on family floater basis and get your loved ones insured without any hassle. 

  • Do family floater plans by Future Generali come with lifelong renewability?

    Yes, family floater plans that cover the entire family in a single plan (such as Health Total) offer lifetime renewability.

  • What does family floater insurance policy in Future Generali cover?

    Family floater health policies in Future Generali provide coverage for in-patient hospitalisation and other expenses. On buying health insurance on a family floater basis, a single sum insured is shared by all family members.

  • What are the family floater benefits covered by Future Generali?

    Some of the family floater benefits covered by the company include hospitalisation medical expenses, day care treatment expenses, pre & post hospitalisation medical expenses, and others. 

General Information

  • 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 are the plans offered under Future Generali Health Insurance?

    The health insurance plans offered by Future Generali include Health Total, Future Health Suraksha, Health Total, Future Advantage Top Up, Future Vector Care, Hospital Cash, Personal Accident, Critical Illness, Surakshit Loan Bima, Future Health Suraksha - Individual, and Future Health Suraksha - Family.

  • What is the waiting period for pre-existing diseases in case of Future Generali Health Insurance policy?

    The waiting period for pre-existing disease in Future Generali is 4 years.

  • What is the free look period for Future Generali Health Insurance?

    For Future Generali health insurance, the free look period is 15 days.

  • 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.

Help to Buy

  • 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 are the plans offered under Future Generali Health Insurance?

    The health insurance plans offered by Future Generali include Health Total, Future Health Suraksha, Health Total, Future Advantage Top Up, Future Vector Care, Hospital Cash, Personal Accident, Critical Illness, Surakshit Loan Bima, Future Health Suraksha - Individual, and Future Health Suraksha - Family.

Individual

  • What is the entry age for buying Future Generali health insurance on an individual basis?

    For adults, the entry age limit is from 18 years to 70 years with a lifelong renewal option. 

  • Do I need to buy a separate health cover even if I am already covered under the health insurance of my parents?

    Investing in separate individual health insurance by Future Generali will allow you to get your medical needs catered to, especially after you become ineligible to remain covered your parent’s policy.

  • Does one have to undergo pre-medical tests when buying Future Generali health insurance?

    Up to age 45 years, no health declaration is required. Over 46 years, medical tests are required and 50% of the tests charges are reimbursed if the insured individual and their family is insured with Future Generali. 

  • What are the maximum sum insured options under Future Generali health insurance on an individual basis?

    For entry age up to 55 years, the maximum sum insured is Rs. 10 Lakh.

    For entry age above 55 Years, the maximum sum insured is Rs. 5 Lakh.

    For entry age above 55 Years, the maximum sum insured is Rs. 5 Lakh (if porting from another insurance company).

Kids

  • Does Future Generali offer health insurance for children?

    Yes! At Future Generali, you can invest in health insurance for your beloved kids.

  • How can I get health insurance for my kids at Future Generali?

    To get your children covered for health insurance, you can choose Health Total plan, a comprehensive retail health product that offers wide and long-term coverage.

     

  • Does Future Generali offer new born baby coverage under its health insurance?

    Yes! To avail the benefit of newborn baby cover, you can go for Health Total plan with Superior and Premier as the variant choices.

  • What are the benefits that Future Generali provides under health insurance for kids?

    Benefits that you can avail with Future Generali’s health insurance for kids include in-patient treatment, pre & post hospitalisation expenses, day care procedures, domiciliary hospitalisation, restoration of sum insured, patient care, accompanying person expenses, road ambulance charges, and others. 

Maternity

  • What is the waiting period associated with maternity benefit?

    When both husband and wife are covered, the maternity benefit has a waiting period of 2 years.

  • Does Future Generali offer maternity insurance?

    Yes, at Future Generali, you can apply for maternity insurance under Health Total mediclaim policy. 

  • Does maternity insurance include newborn baby expense?

    Yes, medical insurance at Future Generali’s Health Total plan covers newborn baby expenses, but only under Superior and Premier variants. 

  • Are child vaccination benefits covered under Future Generali’s maternity plan?

    Maternity benefits in Future Generali’s Health Total plan offer child vaccination benefits (charges for vaccinations for a child less than 12 years of age), but only under Premiere variant. 

Parents

  • Does Future Generali offer health insurance for parents?

    Yes! At Future Generali, you can avail health insurance coverage for your parents by investing in Future Varishta Bima. 

  • What are the minimum and maximum entry age for parents health insurance at Future Generali?

    While the minimum entry age of proposer should be 60 years, the maximum age does not have any restriction. Note that the maximum renewal age is also lifelong. 

  • What all benefits does parents health insurance in Future Generali come with?

    Inpatient treatment, pre-hospitalisation medical cost, post-hospitalisation medical cost, day care treatment expenses, diagnostic materials and x-ray, medicines and drugs, consultants, specialists fees, operation theatre charges, road ambulance charges, free annual medical check-up, are a few benefits that one gets with Future Generali’s parents health insurance. 

  • Are there any discounts associated with parents health insurance in Future Generali?

    Yes! Parents health insurance in Future Generali comes with family discount (if two or more family members are covered in the same policy in case of Individual Sum Insured option), long-term discount of 10% (applicable in case of upfront premium payment for long term policy), and other discounts. 

Plan Coverage

  • Which Future Generali health insurance plans cover day care treatments?

    Future Generali health insurance plans that provide coverage for day care expenses are Future Health Suraksha, Health Total, Future Advantage Top Up, Future Health Suraksha - Individual, and Future Health Suraksha - Family.

Portability

  • When can I apply for health insurance portability at Future Generali?

    The best time to apply for health insurance portability at Future Generali is at least 45 days before the premium renewal date of the existing policy. 

  • Does Future Generali offer health insurance portability feature?

    Yes! You can apply for health insurance portability at Future Generali.

  • What are the elements I should consider before porting health insurance at Future Generali?

    The list of elements that require consideration before health insurance portability include medical history, waiting period, increase in sum insured, age, premium, technicality of portability application. 

  • What is the eligibility criteria for health insurance portability feature at Future Generali?

    The entry age for health insurance portability at Future Generali is dependent on the new policy terms & conditions and guidelines.

     

Premium

  • How should I perform the calculation of Future Generali health insurance premium?

    If you want to calculate your Future Generali premium online, you can visit the website of the insurer. You can also ask your premium-calculation related queries to experts at InsuranceDekho at 18001205698.

  • What are the key factors that can affect my premium amount at Future Generali?

    Age, pre-existing diseases, medical history, and the number of people are prime four aspects that affect health insurance premium in a significant manner.

     

  • I want to compare my Future Generali health insurance policy based on premium. How should I do it?

    To choose the health insurance policy with the ideal health insurance premium, first you need to calculate the premium and then emphasize coverage and exclusions offered to conduct the best possible comparison.

     

  • How can I pay my Future Generali health insurance premium?

    For payment of your health insurance policy premium, you can choose either net banking, credit/debit card, cheque, UPI, or cash mode. To uncover detailed information about premium payment, you can call at 18001205698 to talk to one of the experts at InsuranceDekho.

Senior Citizen

  • Does Future Generali offer insurance to senior citizens? If yes, what is the entry age criteria?

    Yes, Future Generali provides senior citizen health insurance through Future Varishta Bima. Anyone above 60 years age and above can apply. 

  • What is the minimum and maximum policy term for senior citizen health insurance at Future Generali?

    While the minimum policy term is 1 year, the maximum policy term is 3 years.

  • Does senior citizen health insurance come with installment facility?

    The facility of installment premium can be availed on a monthly, quarterly, and yearly basis. Loadings maximum of 5% is applicable on standard premiums based on installment frequency chosen. 

  • What are the discounts associated with senior citizen health insurance?

    A family discount (on covering two or more family members), 10% long term discount and 10% other discount are a few discounts that senior citizen health insurance at Future Generali comes with. 

Tax Benefit

  • Is there any tax benefit that one can avail while buying a Future Generali Health Insurance policy?

    When you buy a Future Generali Health Insurance policy, you are entitled to avail tax benefits against the health insurance premium, under Section 80D Income-tax Act, 1961 if you choose to pay premium by any mode other than cash.

Woman

  • Does Future Generali offer affordable health insurance for women?

    Yes! At Future Generali, women can opt for health insurance by investing in Health Total Mediclaim policy. 

  • What all benefits does Future Generali cover under its health insurance plan for women?

    Future Generali, under its health insurance plans for women, offers benefits that include maternity expenses (with 2 years of waiting period when both, husband and wife are covered), new born baby cover (applicable for Superior Plan and Premiere Plan), child vaccination benefits (Premier variant), other than pre & post hospitalisation expenses, day care treatment, domiciliary expenses, etc. 

  • Will I get coverage for delivering baby via normal and cesarean on choosing women health insurance at Future Generali?

    Yes, you will! Future Generali, under its women health insurance plan will cover maternity expenses on delivery, whether normal or cesarean.  

  • What are the sum insured options available for women health insurance at Future Generali?

    At Future Generali, the sum insured options include Rs. 3 Lakh, Rs. 5 Lakh, and Rs. 10 Lakh for Vital variant. Rs. 15 Lakh, Rs. 20 Lakh, and Rs. 25 Lakh for Superior and Rs. 50 Lakh & Rs. 1 Crore for Premium variant. 

Future Generali Health Insurance Plan List

Name of PlanSum Insured
Future Health SurakshaMin: 90 Days; Max: 70 Years50 Thousand Get Quotes Now
Health TotalMin: 1 Day; Max: No Limit3 Lakh Get Quotes Now
Future Varishta BimaMin: 60 years; Max: No Limit2 Lakh Get Quotes Now
Future CriticareMin: 6 Years; Max: 65 Years1 Lakh Get Quotes Now
Aarogya BimaMin: 1 Day; Max: 70 Years2 Lakh Get Quotes Now
Future HospiCashMin: 6 Months; Max: 65 Years500/day Get Quotes Now
Vector CareMin: 1 Day; Max: 65 Years10 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 Years50,000 - 5 lakh Get Quotes Now

Future Generali Health Insurance Top Up List

Name of PlanSum Insured
Health SurplusMin: 3 Months; Max: 65 Years3 lakh Get Quotes Now
Future Advantage Top UpMin: 1 Day; Max: No Limit50 Thousand Get Quotes Now

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

Future Generali Health Insurance User Reviews

  • Cost-effective insurance plan

    The Arogya Sanjeevani is an economical and beneficial plan offered by the Future Generali. I wanted to buy a plan like this for a long time but my wai...

    Read More
    N
    Neeraj Garg
    On: Jun 18, 2020 | Views
  • Great coverage offered

    I bought this Arogya Sanjeevani Plan from InsuranceDekho platform and got highly impressed with its coverage. It offers me coverage for in-patient hos...

    Read More
    H
    Harsh
    On: Jun 17, 2020 | Views
  • Got the plan in no time

    This health insurance policy was issued to me in a few minutes at InsuranceDekho. The platform promises to issue the plan instantly after payment and ...

    Read More
    O
    Om Naresh Sharma
    On: Jun 15, 2020 | Views
  • Customise the plan easily

    At InsuranceDekho, I can easily customize my Arogya Sanjeevani Plan without any hassle. It offers me different options like add-ons, top-ups, and othe...

    Read More
    K
    Karan Naresh
    On: Jun 14, 2020 | Views
  • Quality support available

    I got extraordinary experience while having the word with an InsuranceDekho customer care person. He told me all the benefits of different plans of di...

    Read More
    A
    Abhishek Prasad
    On: Jun 12, 2020 | Views
  • Got covered for many benefits

    Under my Future Generali Health Total Plan, I get covered for many benefits. It comes with many variants and I chose the one which was most suitable f...

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    R
    Rashi Ravjiani
    On: Jun 03, 2020 | Views
  • Really liked InsuranceDekho’s services

    The buying process of InsuranceDekho is as smooth as butter. I purchased Future Generali Health Surplus plan from them and they helped me understand t...

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    A
    Amol Kumar
    On: Jun 01, 2020 | Views
  • Awesome Health Plans

    I took Future Generali Health Insurance by paying a reasonable premium. This is the perfect plan to cover my family, also at affordable premium cost. ...

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    A
    Amit Singh
    On: May 29, 2020 | Views
  • Digital process is good

    I was not aware of health insurance plans offered by Future Generali. But when the team at Insurance Dekho suggested to me its Health Total Plan, and ...

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    S
    Sakshi Jain
    On: May 27, 2020 | Views
  • Financially secure with this

    This is a new purchase for me. Someone at insurancedekho told me about this plan and i liked it. Finally my money related concerns are over. This plan...

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    T
    Trilochan Pant
    On: Feb 24, 2020 | Views

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