Future Generali Health Insurance FAQs

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

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

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. 

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. 

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. 

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

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.

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. 

The 24x7 toll free customer helpline number of Future Generali Health Insurance is 1800-220-233.

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.

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.

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

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

Future Generali holds the claim settlement ratio of 86.09% among health insurers in India.

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.

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.

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.

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

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.

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. 

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).

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

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.

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

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. 

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

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

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

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. 

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

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. 

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. 

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. 

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.

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. 

Yes! You can apply for health insurance portability 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. 

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

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.

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

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.

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.

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

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

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. 

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. 

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.

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

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. 

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

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.