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Future Generali Claim Settlement Ratio


Future Generali


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 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.

  1. 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
  2. Based on the pre-authorization form, the claim would be approved by the insurance company
  3. After the claim is approved, you can take cashless treatments and your medical bills would be settled by the insurance company directly

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

Future Generali Premium Calculator

Use the Future Generali health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.


Indemnity health insurance plans are those which cover the actual medical costs that you incur subject to a maximum of the sum insured opted by you. Thus, if you have coverage of INR 5 lakhs but your medical bills total INR 1 lakh the policy would pay only INR 1 lakh in claims

Yes, the premium of a continuous policy would have to be paid at once. However, Future Generali allows you easy instalment facility wherein you can pay the premium in instalments if you want

No, Future Generali does not load the premiums due to your claim experience. So, even if you make a claim in your health insurance policy, the premium would not increase on renewals.

Future Generali allows dependent parents to be covered under some of its health insurance plans. So, you need to check whether the plan that you want to buy allows coverage for dependent parents or not. It is, however, better to cover dependent parents in a separate health insurance plan so that they can be covered optimally and you can also claim an additional tax benefit on the premiums that you pay for their plan.
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