Future Generali Varishta Bima Health Insurance Wordings
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
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Future Generali Health Insurance Plan List
- Family (3)
- Individual (1)
- Dengue (1)
- Critical Illness (1)
- Parents (1)
- Senior Citizen (1)
- HIV (1)
- Kids (1)
- Maternity (1)
- Woman (1)
Name of Plan | Sum Insured | |
Future Health SurakshaMin: 90 Days; Max: 70 Years | 50 Thousand | Check Premium |
Corona Rakshak PolicyMin: 18 years; Max: 65 years | 50,000 - 2.5 lakh | Check Premium |
Corona Kavach PolicyMin: 1 Day; Max: 65 Years | 50,000 - 5 lakh | Check Premium |
Arogya Sanjeevani Policy Min: 3 Months; Max: 65 Years | 1 Lakh - 5 Lakh | Check Premium |
Vector CareMin: 1 Day; Max: 65 Years | 10 Thousand | Check Premium |
Future HospiCashMin: 6 Months; Max: 65 Years | 500/day | Check Premium |
Future CriticareMin: 6 Years; Max: 65 Years | 1 Lakh | Check Premium |
Future Varishta BimaMin: 60 years; Max: No Limit | 2 Lakh | Check Premium |
Health TotalMin: 1 Day; Max: No Limit | 3 Lakh | Check Premium |
Health Super Saver PolicyMin: 18 years; Max: 70 years | 3 Lakh - 50 Lakh | Check Premium |
Future Generali Health Insurance Top Up List
- Cancer (1)
- Individual (1)
- Top-up (2)
Name of Plan | Sum Insured | |
Health SurplusMin: 3 Months; Max: 65 Years | 3 lakh | Check Premium |
Future Advantage Top UpMin: 1 Day; Max: No Limit | 50 Thousand | Check Premium |
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FAQs on Future Varishta Bima Health Insurance Plan
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What is the coverage limit on pre and post hospitalisation expenses?
The combined coverage limit on pre and post hospitalisation expenses depends on the sum insured. It is Rs. 4000 for sum insured of Rs. 2 Lakh, Rs. 6000 for sum insured of Rs. 3 Lakh, Rs. 8000 for sum insured of Rs. 4 Lakh and Rs. 10,000 for sum insured of Rs. 5 Lakh and above.
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What are the discounts on premiums?
The plan offers several premium discounts. Firstly, 5% discount is allowed for choosing a term of 2 years and 15% for 3 years. Secondly, if the spouse is also covered, 10% premium discount is allowed. Lastly, if the sum insured is up to Rs. 5 Lakh and the insured submits the medical reports within 15 days of the tests, 10% premium discount is allowed.
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Is the premium same when paid in instalments?
No, though the policy allows premiums to be paid in instalments, loading is applicable in such cases. If the premium is paid half-yearly, loading is added @ 3%. If paid quarterly the loading is 4% and for monthly mode the loading is 5% of the premium.
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Is co-payment applicable under the plan?
Yes, since the plan covers senior citizens, co-payment is applicable. The co-payment rate is 50% for illnesses and claims arising out of pre-existing conditions. For other types of claims, however, the co-payment ratio is 25%. However, the 25% co-payment can be waived if the insured pays an additional premium.