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Future Generali Health Insurance for Maternity

Health Total by Future Generali is an ideal choice for maternity insurance. Health Total is available on both, individual sum insured basis as well as family floater sum insured basis. Offered in the form of three plans, namely Vital, Superior and Premiere, it provides maternity benefits with 2 years of waiting period when the husband and wife are covered. An excellent maternity insurance option, it provides superior financial protection from hospitalisation medical expenses, day care treatment expenses, organ donor expenses, and others.

Key Features

  • Sum insured range from Rs. 3 Lakh to Rs. 1 Crore
  • 5,000+ network hospitals for cashless treatment
  • Restoration of the sum insured
  • E-opinion in case of alternative treatment and illness or injury
  • Wellness care
  • Medical treatment abroad for listed conditions (Applicable for Premiere Plan)
  • Out-patient medical expenses (Applicable for Superior and Premiere Plan)
  • Emergency Medical Evacuation (Applicable for Superior and Premiere Plan), etc.

Scope of Coverage

  • Maternity expenses
  • New Born Baby (applicable for Superior Plan and Premier Plan)
  • Child vaccination benefits (applicable for Premiere Plan) for a child less than 12 years of age
  • Pre-hospitalisation cover - 60 days (All plans)
  • Post-hospitalisation cover - 90 days (Vital Plan), 120 days (Superior Plan), 180 days (Premiere Plan)
  • Alternative treatment cover
  • Road ambulance charges
  • Domiciliary treatment coverage, and others


The minimum entry age for Health Total policy is 1 day while maximum entry age is lifelong.


  • External Congenital Anomaly and related Illness/defect
  • Cost of an annual health check-up
  • Treatment of obesity and other weight control programmes, services and supplies
  • Expenses incurred towards the treatment of illness or injury arising out of alcohol use
  • Illnesses or injuries due to war, etc.

​To uncover more in detail, kindly go through the Policy Wordings. You can also call experts at InsuranceDekho at 1800-1205-698 to get your doubts cleared.

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Health Insurance News


  • What is the waiting period associated with maternity benefit?

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

  • Does Future Generali offer maternity insurance?

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

  • Does maternity insurance include newborn baby expense?

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

  • Are child vaccination benefits covered under Future Generali’s maternity plan?

    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. 

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