Future Generali Health Insurance

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Policies Issued

32,000,000+

Year of Inception

2006

No. of Branches

121+

Network Hospitals

8,000+

About Future Generali Health Insurance

Future Generali is formed as a collaboration between the Future Group and the Generali Group.While the Future Group is a leading Indian retail company,Generali Group is an international insurance group which has insurance business in multiple countries.Generali Group was found in Italy in the year 1831 and has more than a century of experience in the insurance sector

Future Generali offers a range of general insurance plans like travel insurance,motor insurance, home insurance, lifestyle insurance, personal accident insurance, etc. Health insurance is also a category of the product offered by the company. Besides these retail insurance solutions, the company also offers a range of commercial insurance solutions for businesses and corporate houses

With their recent campaign #CoverThe Distance, the company is helping its customers to make the most of the lockdown and stay connected with their loved ones. This global insurance maestro is helping people see the brighter side even in this grim scenario

Here are some facts and benefits about Future Generali which make the company’s health plans beneficial to buy

The company has more than 3000 corporate customers and it has already sold more than 82 lakh policies in India ever since it was established
The Assets under Management of Future Generali as on 31st March 2019 stand at INR 3629 crores which shows the strong financial position of the company
The company is present across India through its network of more than 125 branches making it easier for you to buy its health insurance policies offline
The company settles about 21 lakh claims every year
There are more than 5100 hospitals that are tied-up with Future Generali for providing cashless treatments to its health insurance customer
The company has acquired ISO 9001:2008 certificate for the quality of products that it offers

Future Generali Claim Settlement Ratio

96.01%

Future Generali

94.21%

Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Future Generali has a claim settlement ratio of 96.01%, as compared to the industry average of 94.21%.

Future Generali Health Insurance Plans

Future Generali health insurance offers 11 health insurance plans. The premium of these plans starts from Rs. 254/yr. The sum insured ranges from Rs. 500 - 1 Cr. Details of the comprehensive coverage provided by the following 11 Future Generali health insurance plans are listed below:

Future Aarogya Bima

Starting Premium- ₹ 1,992/yr

This is an affordable health insurance plan which provides coverage for all basic medical expenses at affordable premiums

The features are as follows

There are three plan options of A, B and C
You can claim a premium discount for covering two or more family members
You also get along term discount of 10% if you buy the policy for a longer duration
You can pay the premiums in instalmentsEntry ageAdults – 18 years to 70 yearsDependent children – 1 day to 25 yearsSum insuredINR 2 lakhs to INR 5 lakhsPre-entrance medical testsNot required till 50 years of ageTerm of the plan1 year to 3 years

Eligible Age

18 years - 70 years

PED Waiting Period

4 years

Coverage

2 Lakh - 5 Lakh

NCB

Future Criticare Plan

Starting Premium- ₹ 262/yr

This is a critical illness policy wherein a fixed sum insured is paid if the insured suffers from any of the covered critical illnesses

The benefits of the plan are as follows

Twelve critical illnesses are covered under the plan
The plan can be taken on a family floater basis covering wife and dependent children

Eligible Age

6 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

Future Generali Accident Suraksha Plan

This is a personal accident health insurance plan which pays a fixed lump sum benefit if the insured suffers from accidental injuries or dies in an accident.The features are as follows

Worldwide coverage is allowed under the plan
No pre-entrance medical check-ups are required to opt for coverage under the plan
10% premium discount is allowed if more than one family member is covered
All types of accidental disablements and death are covered
Coverage is also available for repatriation of remains and funeral expenses
A range of additional coverage benefits are available which can be selected at additional premiums

Eligible Age

3 years - 70 years

PED Waiting Period

Coverage

1 Lakh - 50 Lakh

NCB

View All Plans

Future Generali Top-up Plans

Future Generali health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 704/yr. The sum insured ranges from Rs. 50,000 - 1 Cr. Future Generali top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Future Generali top-up insurance policy below:

Future Advantage Topup Plan

Starting Premium- ₹ 704/yr

This is a super top-up health insurance plan which helps in increasing an existing health insurance coverage that you have. Under this plan,the total claims made in a year would be considered against the deductible limit chosen under the plan. If the total value of claims made in a year exceeds the deductible, the plan pays the excess claim. The salient features of the plan are as follows

There are two plan variants called Supreme Plan and Elite Plan
The plan also covers heart related ailments and the incidence of cancer
AYUSH treatments would be covered under the plan
You can avail of a family discount if you cover two or more members under the policy
2.5% premium discount can also be availed if you have another health insurance policy of the company
If you buy a three year long term cover,you get a premium discount of 10%
You can waive the deductible and make the plan a health insurance plan after 54 years of age
There is no limit on entry age

Eligible Age

1 day onwards

PED Waiting Period

2 years

Coverage

50,000 - 1 Cr

NCB

10% increase in cover;max upto 50%

Top Features From Future Generali Health Plans

Features of Future General health insurance plans Health insurance plans offered by Future Generali have the following common features

The plans allow coverage on an individual as well as family floater basis
You can renew your health plans lifelong without any maximum cover ceasing age
There are two main types of health plans offered by Future Generali. One is the indemnity based health plan which covers the actual costs of hospitalisation and the other is the fixed benefit health plan which pays a lump sum benefit if the claim occurs irrespective of the actual costs incurred
The coverage benefits under all Future General health insurance plans are quite extensive promising you good coverage
Premium rates are competitive and the plans offer different types of discounts to reduce the premiums further

Coverage under Future Generali Health Insurance Plans : Future Generali health insurance plans offer different types of coverage benefits depending on the plan that you choose.While fixed benefit plans cover specific instances like critical illness, hospitalisation, specific diseases, mediclaim policies provide a range of coverage benefits. These coverage benefits include the following

Inpatient medical expenses : When you are hospitalised and your hospitalisation is for an illness or injury, the expenses incurred on treatments are covered under this head. The hospitalisation should be for 24 hours or more to avail coverage. The expenses which are covered include nursing fee, room rent, ICU room rent, operation charges, doctor’s fee, surgeon’s fee, anaesthesia, blood, medicines, etc.
Pre and post hospitalisation : The expenses which are incurred before you are hospitalised for treatment as well as after you are discharged from the hospital after the treatment are also covered.These expenses are called pre and post hospitalisation expenses respectively and they are covered for up to a specific period
Day care treatments : If you are hospitalised for treatment and the treatment does not take 24 hours due to medical advancements, such treatments are covered under this head
Organ donor treatments: The expenses incurred in harvesting an organ from a donor for your organ transplant surgeries are covered under a mediclaim insurance policy
Domiciliary treatments Treatments which are taken at home because of unavoidable circumstances are called domiciliary treatments.These treatments are covered subject to certain terms and conditions
AYUSH treatments :If you take treatments through non-allopathic means like Ayurveda, Unani, Homeopath, etc. you can avail coverage for the costs incurred on such treatments
Free health check-ups: You get the benefit of availing free preventive health check-ups once after the completion of specified number of policy years

Exclusions Across Future Generali Health Plans

Though Future Generali health insurance plans have a good scope of coverage, there are some common exclusions and in such cases, the claim is not paid.These exclusions include the following

Self-inflicted injuries and attempted suicides
Acts of criminal nature
Participation in hazardous activities
Cosmetic treatments
Pre-existing illnesses are covered only after a specified waiting period
Mental illnesses and disorders
Sexually transmitted diseases
Dental treatments, LASIK surgeries, etc.
Maternity related costs unless specifically covered under the plan
Illnesses and injuries suffered due to war, rebellion and nuclear threats

Future Generali Premium Calculator

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Future Generali Customer Care

Customer Care Number

1800 2202 33

Email ID

fgcare@futuregenerali.in

Future Generali Claim Process

Future Generali supports both cashless claims and reimbursement claims. This section covers the information on how to check Future Generali health insurance claim status, fill Future Generali health insurance claim form, and the claim settlement process.

If you are taking treatments at a networked hospital for cashless claims, a pre-authorization form would be required. You should fill up this form and submit it within 24 hours of an emergency hospitalisation or before 3-4 days before a planned one
Based on the pre-authorization form, the claim would be approved by the insurance company
After the claim is approved, you can take cashless treatments and your medical bills would be settled by the insurance company directly

In case of treatments taken at a non-networked hospital, you would have to bear the costs yourself
Once you are discharged,you should fill up a claim form and claim reimbursement of the expenses
Based on the claim form submitted, the insurance company would reimburse you for the medical costs that you have incurred

Future Generali Health Insurance Renewal Process

Online Renewal Process for Future Generali Health Policy

Renewing your Future Generali Health Insurance can be completed in 2 simple steps:

Step 1: Visit the Official Website of Future Generali India Insurance Company Ltd.

Step 2: Select Renew Option from the top navigation menu and select Health Insurance

Step 3: Add your policy number and policy expiry date to proceed with renewal and payment options

Don’t forget to review all policy details and make necessary changes at the time of renewal like adding family members, coverage amount, etc.

There is also an option of long-term multi-year policy that provides coverage for multiple years and at discounted premium with no need for yearly renewals. You must check the availability for the insurer and opt for this in case you are someone who tends to miss out on renewals

Offline Renewal Process for Future Generali Health Insurance Policy

If you want to go via the offline mode then you can renew your health insurance policy by calling the toll-free number of Future Generali at 1860 500 3333 / 1800 220 233 and sharing your health policy renewal requirements with the customer care executive

Another way is by visiting the nearest branch to initiate your policy renewal

You can also renew your Future Generali policy with the help of Turtlemint insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your policy by downloading the Turtlemint App here