What are the sum insured options available under the plan?

The plan allows sum insured levels of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 Lakh.

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.

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.

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.

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.

Is it required to undergo a pre-policy health check-up?

Yes, pre-policy health check-ups are required if the sum insured is Rs. 7.5 Lakh or Rs. 10 Lakh. However, for other sum insured levels, the check-up would be required only if an adverse medical history is stated in the proposal form.

Who bears the cost of pre-policy health check-up?

If the policy is accepted by the insurance company, 50% of the cost of the check-ups is reimbursed. So, the company bears 50% of the cost and the policyholder bears the remaining 50% cost.

What is the free-look period under the plan?

The plan allows a free-look period of 15 days for cancelling the policy after it has been bought.

For how long can the policy be renewed?

Renewal of the policy can be done lifelong.

Which treatments have coverage sub-limits?

Treatments having sub-limits include PTCA, CABG, cataract surgery, total hip replacement and total knee replacement. The sub-limits would depend on the sum insured level.

Future Generali Varishta Bima Health Insurance Wordings

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Highlights

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 Future Varishta Bima Brochure

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Jun 08, 2019

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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

What are the sum insured options available under the plan?
The plan allows sum insured levels of Rs. 2 Lakh, Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 7.5 Lakh and Rs. 10 Lakh.
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.
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.
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.
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.

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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 Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Future Generali Health Insurance
1800-220-2338 A.M. to 8 P.M.
fgcare@futuregenerali.in