Future Generali Health Total Health Insurance

Investing in Health Total will be a fruitful move for you. Since the policy provides coverage for the most common expenses such as inpatient treatment & expenses, day care treatment expenses, pre & post hospitalisation expenses, organ donor expenses, domiciliary hospitalisation expenses, and various others, it is advised to purchase it today and reap its benefits later when the need arises. Other than road ambulance charges, Wellness Care expenses, patient care expenses, accompanying person expenses, and alternative treatment expenses, the list of key features covered under the policy includes -

• Outpatient medical expenses (applicable for Superior and Premiere plan)
• Medical treatment abroad for listed conditions (applicable for Premiere plan)
• E-opinion in respect of an illness or injury and alternative treatment
• Maternity benefits with 2 years of waiting period when both husband and wife are covered together
• Coverage for newborn baby expenses (applicable for Superior and Premiere plan) and vaccination charges for a child less than 12 years of age (applicable for Premiere plan)
• Restoration of the sum insured (if the sum insured and cumulative bonus, if present, is exhausted due to claims payable)
• Emergency medical evacuation (applicable for Superior and Premiere plan) where expenses incurred for medical evacuation from the place of local hospitalisation/accident to any other hospital within India are reimbursed
• Reimbursement of expenses incurred for consultation, diagnostic tests, and medications prescribed as per plan
• In case of accidental hospitalisation, increase in sum insured by 25% of the available balance sum insured subject to a maximum Rs. 10 Lakh
• Cumulative Bonus - 50% for every claim free year to a maximum of 100% * Product coverage applicable would be as per plan opted

Future Generali’s Health Total Mediclaim Policy may have the feature of co-payment on every admissible claim for an individual entering the policy at age 60 years and above, it also offers a series of discounts and other benefits. The list comprises 10% to 25% discount as per the voluntary deductible & plan opted, 10% long-term discount up to 10% applicable in case of upfront premium payment for a long term policy, and -  

• Assured renewability for life
• No loading on premium for adverse claims experience
• Tax relief as per Section 80D of the Income Tax Act on premium payment by any mode other than cash
• The facility of monthly, quarterly and half yearly instalment for long-term policies
• 10% family discount on covering more than one person in the same policy on individual sum insured basis
• Standard individual premiums applicable for primary insured, but there are floater discounts applicable on premium as per age

Needless to say, Health Total is a complete health insurance product anyone can ask for. You too can opt for this policy to reap multiple health insurance benefits and keep your lifelong savings intact.

Persons willing to buying the plan, prefer choosing the online mode instead of offline so that you can get your policy issued without delay of any sort. Furthermore, to make the entire experience worthwhile, it would be better to go with InsuranceDekho to make the purchase and avail benefits like help with policy portability, claim settlement support, and various other after-sales services that are the ultimate support that many seek.

The minimum policy term is 1 year. The maximum policy term is 3 years.

The minimum entry age is 1 day. The maximum entry age doesn’t have a limit.

The sum insured options range from Rs. 3 Lakh to Rs. 1 Crore.

The additional benefits associated with Total Health include: 1) Cumulative bonus 50% on the basic sum insured is provided up to a maximum of 100% of the Sum Insured, subject to no-claim. 2) Family discount of 10%, in case more than one person is covered in the same policy in case of Individual Sum Insured option has been taken. 3) Long-term discount, in case Policy Term is more than 1 year.