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Future Generali Future Health Suraksha Health Insurance

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Future Generali Health Insurance
Future Health Suraksha
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary Teleconsultation

About Future Generali Future Health Suraksha Health Insurance

Future Health Suraksha by Future Generali is an affordable health plan that takes care of you and your family in a complete manner. An ideal choice for an individual and their family members including spouse and up to 3 dependent children, Future Health Suraksha leaves no stone unturned in ensuring that great health care is even more accessible.

The medical insurance plans under Future Health Suraksha include Gold, Platinum, Topaz, and Ruby. One can invest in these plans with individual and family floater option along with lifelong renewability. Protecting policyholders against the unpredictable, Future Health Suraksha supports one at a time when they need financial stability the most.

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Key Inclusions and Exclusions of the Plan

What's Included

  • 10% Cumulative Bonus for every claims free year to a maximum of 50% of the Sum Insured
  • Accompanying person expenses up to Rs. 500 per day for child up to 10 years
  • Hospital cash benefits available under the Platinum or Ruby plan of the policy
  • Coverage for 409 day care procedures under the policy
  • Pre-hospitalisation and post-hospitalisation expenses covered for 60 and 90 days respectively

What's Not Included

  • Diseases/surgeries such as gallstones, covered after the waiting period
  • Cataract, Hernia, and Tumour covered after a waiting period of 24 months
  • Any disease contracted during the first 30 days from the commencement of the policy
  • Costs incurred on all methods of treatment including AYUSH treatments except Allopathic
  • Congenital external illness/ disease/ defect/ anomaly

Future Health Suraksha Plan Details

Features/PlanFuture Health Suraksha
No Claim Bonus
Up to 100% of SI
Pre and Post Hospitalization
60 & 90 days
Day Care Procedure
130 procedures
Free Health Checkup
Available after every 4 claim-free years
Ambulance Cover
Up to Rs. 1500
Co-Pay
Zone-wise capping
Initial Waiting Period
30 days
Specific Illness Waiting Period
2 years
Waiting Period of PED
4 years
Special Feature
Patient care expenses for age 60 & above, benefit for accompanying person
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Future Health Suraksha User Reviews

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What users are saying
  • All
  • Informative Website

    Indeed, InsuranceDekho is the best! I bought Future Generali- Future Health Suraksha from the company’s official website. The information available on the website made it 90% easier for me to compare the plans myself. After comparing the pool of plans listed on their website, I bought this plan as it was providing me with the best coverage against critical diseases. Happy to get the best plan from the most trustworthy company. 

    G
    By Gracy Bhatt
    On: Jul 10, 2023
  • Plan perfect for me

    I got this plan so that i can be financially stable. Finally, i am! A big thanks to insurancedekho team for their support. I recommend this plan to other customers because it gives you very good cover, benefits and more without being heavy on pocket.

    A
    By Arun Singh
    On: Feb 13, 2020
  • Happy with the insurance

    It has been around 18 days that i bought this policy. Thanks insurancedekho for introducing me to such a nice cover. Under this plan, i am covered along with my wife and three kids. The premium is very low so i don’t have to worry about anything.

    R
    By Rajat Mohan
    On: Feb 07, 2020
  • Superb plan by Future Generali

    Future Health Suraksha enables me to encounter any medical emergency without having to worry about finances. This is suitable for my medical needs.

    P
    By Pinki Kumari
    On: Jan 29, 2020
  • Perfectly fine!

    Future Health Suraksha is perfectly fine for me. No claim bonus, hospitalisation coverage, daycare procedures, free health checkup, ambulance cover, are some of its benefits! I like this policy.

    P
    By Piyush kumar Verma
    On: Jan 20, 2020

Add-ons to Enhance Benefits

  • Accidental Rider

    Future Health Suraksha covers accidental hospitalisation under which the limits can be enhanced by 25% of the sum insured on the date, up to a maximum of Rs. 1 Lakh, irrespective of the number of claims in a policy period. The accidental hospitalisation rider is applicable for all plan variants namely, Gold, Platinum, Topaz, and Ruby. 

  • Hospital Cash

    In Future Health Suraksha policy, hospital cash add-on benefit is available under Platinum and Ruby Plan. 

    i) Under Platinum Plan : For sum insured options Rs. 6,00,000, Rs. 7,50,000, Rs. 8,00,000, Rs. 9,00,000, and Rs. 10,00,000, hospital cash benefit is of Rs. 500 per day, up to 60 days.

    ii) Under Ruby Plan : For sum insured options Rs. 6,00,000, Rs. 7,50,000, and Rs. 10,00,000, hospital cash benefit is of Rs. 500 per day, up to 60 days.

Future Generali Health Suraksha Expert Review

  • Expert Review

    If you have always been concerned about the unpredictable, especially in medical terms, Future Health Suraksha would be the perfect health insurance to invest in. A superb plan by Future Generali, Future Health Suraksha helps you face any unfortunate medical situation without having to worry about your finances. Those with specific requirements such as extensive coverage at an affordable premium rate, this plan is definitely meant for you.

    Starting with eligibility criteria, while the minimum age of entry is 90 days, the maximum entry age is 70 years. On choosing individual sum insured basis, you will be able to add your spouse, up to 4 dependent children (unmarried and aged up to 25 years), and dependent parents apart from self. In case of family floater, coverage will be available for self, spouse, and up to 3 dependent children (unmarried and up to age 35 years). Moreover, the plan is available in four variants, namely Gold, Platinum, Topaz, and Ruby that differ in their features and benefits. Lastly, the sum insured options under the plan range from Rs. 50,000 to Rs. 10 Lakh.

  • Major Attractions

    Future Health Suraksha is an absolute choice in every which way. Be it major coverage areas or additional benefits, the plan meets the needs of one and all in an absolute manner. So, when you choose the policy, you get covered for inpatient treatment & expenses, pre & post hospitalisation expenses, day care treatment expenses, ambulance charges, patient care expenses, and other costs that may be too much for you to handle at the time of an unexpected emergency. Apart from the basic ones, the policy provides benefits that include -

    • Availability of Hospital Cash (under Platinum or Ruby plan)
    • Accompanying person expenses up to Rs. 500 per day for child up to 10 years
    • Recharge benefit available for plans with a basic sum insured Rs. 3 Lakh and above
    • Free health check-ups at insurer’s empanelled centers after every four claim free years
    • Instalment premium payment facility available on a monthly, quarterly, and half yearly basis
    • Cumulative Bonus - 10% for every claim free year to a maximum of 50% of sum insured
    • The freedom to get your existing policy ported with Future Generali (as per the Portability guidelines of IRDAI)
    • Accidental hospitalisation with limits that can be increased by 25% of the sum insured on date up to a maximum of Rs. 1 Lakh
  • What’s More?

    Future Health Suraksha fulfills its aim of making great healthcare even more accessible and complete, whether with its vast network hospitals or a vast array of benefits. A few prime features that make the policy worth investing in include -

    • Assured renewability for life
    • No loading on premium for adverse claims experience
    • Tax benefits under Section 80D of the Income Tax Act
    • 2.5% loyalty discount if the client has a separate Retail Health insurance policy from Future Generali
    • Long-term discount up to 10% applicable, in case of upfront premium payment for a long term policy
    • Family discount in case more than one family members are covered in the same policy on individual sum insured basis
  • Conclusion

    Future Health Suraksha is highly recommended to those who consider their health as the most important asset and want to put efforts in maintaining it for life.

    Go ahead and choose the online mode to buy the policy if you don’t want to experience delayed policy issuance problems or deal with a lack of transparency in policy terms and conditions. Also, rely on InsuranceDekho for the purchase process without giving it a second thought. The health insurance broker will not only help you with policy portability, but also claim settlement support, and various other after-sales services that may be a plus.

Future Generali Future Health Suraksha Brochure

  • 911.82 KB
  • PDF Document
  • Apr 09, 2019

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.

FAQs on Future Health Suraksha Health Insurance Plan

  • Why should i buy Future Health Suraksha?

    Future Health Suraksha by Future Generali is a popular policy that covers both, individuals and their family members. The benefits one can avail under this policy include in-house cashless settlement, innovative covers, quick settlement of claims, and no-claim cumulative bonus.

  • What is the minimum entry age for Future Health Suraksha?

    The minimum age of entry is 90 days.

  • What is the maximum entry age for Future Health Suraksha?

    The maximum age of entry is 70 years.

  • What is the minimum policy term for Future Health Suraksha?

    The minimum policy term is 1 year.

  • What is the maximum policy term for Future Health Suraksha?

    The maximum policy term is 3 year.

  • What is the waiting period for pre-existing illnesses in Future Health Suraksha?

    Pre-existing illnesses are covered after 48 months of continuous coverage in Future Health Suraksha.

  • What are the additional benefits provided in Future Health Suraksha?

    Cumulative bonus of 10% on the basic sum insured, family discount of 10%, long term discount, loyalty discount of 2.5%, recharge of sum insured, and portability are other benefits that come with Future Health Suraksha.

  • What is the minimum and maximum amount for the Sum Assured in Future Health Suraksha?

    The minimum sum insured amount is Rs. 50,000 and the maximum sum insured amount is Rs. 10,00,000.

  • What does the Future Health Suraksha Plan cover?

    Future Health Suraksha covers inpatient treatment, other inpatient expenses, pre & post hospitalisation expenses, day care expenses, ambulance charges, patient care, accident hospitalisation, hospital cash, organ donor expenses, and recharge benefit.

  • Is there a tax benefit under Future Health Suraksha Plan?

    Yes, a policyholder is eligible to avail tax relief on premium paid by any mode other than cash, as provided under Section 80D of the Income Tax Act.

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