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.

Why choose Future General health insurance?

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

  1. 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
  2. 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
  3. 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
  4. The company settles about 21 lakh claims every year
  5. There are more than 5100 hospitals that are tied-up with Future Generali for providing cashless treatments to its health insurance customer
  6. The company has acquired ISO 9001:2008 certificate for the quality of products that it offers

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

Type of Future General Health Insurance plans

Here is a list of all health insurance plans offered by Future Generali along with their features and eligibility parameters –

  1. Future Generali Health Total Plan

    This is a comprehensive mediclaim policy which covers different types of medical expenses which you incur if you or any other insured family member is hospitalised. The features of the plan are as follows –

    1. The plan offers three coverage variants of Vital, Superior and Premiere all of which offer different coverage benefits
    2. Up to 15 family members can be covered in Superior and Premiere plan variants
    3. The sum insured is restored if it gets exhausted in a policy year
    4. Maternity coverage is available under family floater plans with a short waiting period of two years only
    5. International medical treatments are also covered under Premiere Plan

    Eligibility parameters of Future Generali Health Total Plan

    Entry age

    From day 1 onwards

    Sum insured

    INR 3 lakhs to INR 1 crore

    Pre-entrance medical tests

    Depends on age and sum insured

    Term of the plan

    1 year to 3 years

    No claim bonus

    50% of the sum insured after every claim-free year up to 100% of the sum insured

  2. 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 –

    1. Worldwide coverage is allowed under the plan
    2. No pre-entrance medical check-ups are required to opt for coverage under the plan
    3. 10% premium discount is allowed if more than one family member is covered
    4. All types of accidental disablements and death are covered
    5. Coverage is also available for repatriation of remains and funeral expenses
    6. A range of additional coverage benefits are available which can be selected at additional premiums

    Eligibility parameters of Future Generali Accident Suraksha Plan

    Entry age

    Adults – 18 years to 70 years

    Dependent children – 3 years to 25 years

    Sum insured

    Up to 144 times the monthly income

    Pre-entrance medical tests

    Not required

    Term of the plan

    1 year

  3. Future Vector Care Plan

    This policy has been designed to meet the increasing incidence of vector-borne diseases caused by mosquitoes. The features of the plan are as follows –

    1. This is a fixed benefit plan which pays the sum insured is lump sum if you are diagnosed with any of the covered illnesses
    2. Illnesses which are covered include malaria, dengue, chikunguniya, kala-azar, Japanese encephalitis, lymphatic filariasis and Zika virus
    3. You get a premium discount if you choose a long term coverage tenure
    4. No pre-entrance medical check-ups are required

    Eligibility parameters of Future Vector Care Plan

    Entry age

    1 day to 65 years

    Sum insured

    INR 10,000 to INR 75,000

    Pre-entrance medical tests

    Not required

    Term of the plan

    1 year to 3 years

  4. Future Hospicash Plan

    This is a fixed benefit hospital cash plan. Under this plan, if the insured is hospitalised and the hospitalisation exceeds 24 hours, a fixed allowance would be paid. The plan’s features include the following –

    1. There are four plan variants of A, B, C and D and the fixed daily benefit depends on the variant that you choose
    2. A lump sum convalescence benefit is paid if you are hospitalised for more than 10 days
    3. You can buy the policy on a floater basis covering your family members too

    Eligibility parameters of Future Hospicash Plan

    Entry age

    Adults – 18 years to 65 years

    Dependent children – 6 years to 25 years if parents are also covered

    Hospital cash benefit

    INR 500 to INR 3000

    Pre-entrance medical tests

    Not required till 55 years of age

    Term of the plan

    1 year

  5. Future Criticare Plan

    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 –

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

    Eligibility parameters of Future Criticare Plan

    Entry age

    Adults – 18 years to 65 years

    Dependent children – 6 years to 25 years if parents are also covered

    Sum insured

    INR 1 lakh to INR 50 lakhs

    Pre-entrance medical tests

    Not required till 45 years of age

    Term of the plan

    1 year

  6. Future Generali Surakshit Loan Bima 

    This is a unique health insurance plan which combines coverage of personal accident plans, critical illness plans and also covers loss of job. The salient features are as follows –

    1. The plan is designed for borrowers of loan and aims to pay the outstanding loan if the borrowers face accidental death, permanent total disablement, critical illness and loss of job
    2. 18 critical illnesses are covered by the plan
    3. There are five plan variants and the coverage depends on the variant that you select
    4. Loss of job coverage is optional and you get a 10% premium discount if you opt for the cover

    Eligibility parameters of Future Generali Surakshit Loan Bima 

    Entry age

    18 years to 65 years

    Sum insured

    INR 10,000 to INR 3 crores

    Pre-entrance medical tests

    Not required till 50 years of age

    Term of the plan

    1 year

  7. Future Health Surplus Plan

    This is a top-up health insurance plan which pays the claims if they exceed a specific deductible limit. The features of the plan are as follows –

    1. You can choose from a wide range of sum insured and deductible options
    2. Coverage is available for medical treatments which you face on hospitalisation

    Eligibility parameters of Future Health Surplus Plan

    Entry age

    Adults – 18 years to 65 years

    Dependent children – 3 months to 25 years if parents are also covered

    Sum insured

    INR 3 lakhs to INR 10 lakhs

    Deductible limit

    INR 2 lakhs to INR 5 lakhs

    Pre-entrance medical tests

    Not required till 55 years of age

    Term of the plan

    1 year

  8. Future Advantage Top-up Plan

    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 –

    1. There are two plan variants called Supreme Plan and Elite Plan
    2. The plan also covers heart related ailments and the incidence of cancer
    3. AYUSH treatments would be covered under the plan
    4. You can avail of a family discount if you cover two or more members under the policy
    5. 2.5% premium discount can also be availed if you have another health insurance policy of the company
    6. If you buy a three year long term cover, you get a premium discount of 10%
    7. You can waive the deductible and make the plan a health insurance plan after 54 years of age
    8. There is no limit on entry age

    Eligibility parameters of Future Advantage Top-up Plan

    Entry age

    Adults – 18 years to onwards

    Dependent children – 1 day to 25 years

    Sum insured

    INR 50,000 to INR 1 crore

    Deductible limit

    INR 50,000 to INR 40 lakhs

    Pre-entrance medical tests

    Depends on age and sum insured

    Term of the plan

    1 year to 3 years

    No claim bonus

    10% increase in the sum insured after each claim-free year up to a maximum of 50%

  9. Future Health Suraksha Plan

    This is a health insurance plan which offers coverage for your medical costs. The plan has the following highlighting features –

    1. There are four plan variants with different coverage limits. The variants are Gold, Platinum, Topaz and Ruby
    2. You can take the coverage on an individual basis or family floater basis
    3. A daily benefit is paid for individuals who are aged 60 years and above when they are hospitalised
    4. The sum insured can be increased by 25%, up to INR 1 lakh, in case of accidental hospitalisation
    5. The sum insured is recharged if it gets used up in a policy year on earlier claims
    6. Premium discounts are available under the plan for covering family members and also for having another health plan from the company
    7. You can choose to pay the premiums in instalments so that they become more affordable

    Eligibility parameters of Future Health Suraksha Plan

    Entry age

    Adults – 18 years to 70 years

    Dependent children – 3 months to 25 years

    Sum insured

    INR 50,000 to INR 10 lakhs

    Pre-entrance medical tests

    Not required till 50 years of age

    Term of the plan

    1 year to 3 years

    No claim bonus

    10% increase in the sum insured for every claim-free year up to a maximum of 50%

  10. Future Aarogya Bima

    This is an affordable health insurance plan which provides coverage for all basic medical expenses at affordable premiums. The features are as follows –

    1. There are three plan options of A, B and C
    2. You can claim a premium discount for covering two or more family members
    3. You also get along term discount of 10% if you buy the policy for a longer duration
    4. You can pay the premiums in instalments

    Eligibility parameters of Future Aarogya Bima

    Entry age

    Adults – 18 years to 70 years

    Dependent children – 1 day to 25 years

    Sum insured

    INR 2 lakhs to INR 5 lakhs

    Pre-entrance medical tests

    Not required till 50 years of age

    Term of the plan

    1 year to 3 years

  11. Future Varishta Bima

    This is a senior citizen health insurance plan which provides a comprehensive scope of coverage for older individuals. The plan’s salient features include the following –

    1. The plan can be taken on a floater basis covering the spouse under the same policy
    2. Free health check-ups are allowed under the plan annually
    3. There are different types of premium discounts which you can enjoy under the plan
    4. There is no restriction on the maximum entry age and very old individuals can also buy the plan

    Eligibility parameters of Future Varishta Bima

    Entry age

    60 years onwards

    Sum insured

    INR 2 lakhs to INR 10 lakhs

    Pre-entrance medical tests

    Required at all ages and sum insured options

    Term of the plan

    1 year to 3 years

Coverage and exclusions 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 –

  1. 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.

  2. 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.

  3. 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.

  4. 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.

  5. 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.

  6. 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.

  7. 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.

    These are some of the common coverage benefits under Future Generali health insurance plans. The exact coverage benefits depend on the plan that you buy. You might find sum insured restoration benefit, maternity coverage, OPD coverage, etc. under different plans offered by Future Generali.

    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 –

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

How to buy Future Generali Health Insurance?

You can buy Future Generali health insurance plans online or offline. The offline mode of buying includes buying the policy through the offices of the company or from a Future Generali agent. If you buy offline you would have to visit the company offices or fix an appointment with an agent and then buy the policy. An application form would have to be filled and you need to pay the premiums to buy the plan.

The online mode of buying Future Generali health insurance plans is, comparatively, easy. You can just visit the company’s website https://general.futuregenerali.in/health-insurance-plans, choose a plan that you want to buy and click ‘Buy Online’. You will be redirected to a new page wherein you should provide your details to check the premium. You should, then, pay the premium online to buy the plan.

Things to remember before buying

Before you buy a Future Generali health insurance plan, here are some things which you should remember –

  • Check the premium and make sure that it is affordable. If you want a higher cover but the premiums are unaffordable, combine your basic health plan with a top-up or super top-up plan to reduce the premiums
  • The sum insured should be sufficient to cover all your family members optimally and pay for the expected medical costs
  • Some plans offered by Future General allow you additional coverage benefits to enhance the scope of coverage. Check these benefits and opt for them if they are suitable. An additional premium would be payable for any benefit that you select
  • Understand the claim process so that you know what to do when a claim happens
  • Read the exclusions and coverage benefits to understand exactly what is covered under the policy
  • Almost every Future Generali health insurance plan offers attractive premium discounts. Keep a lookout for the available discounts and use them for reducing your premiums

How to renew Future Generali health insurance plans?

Renewal of Future Generali health insurance plans can also be done online. Visit the company’s website https://general.futuregenerali.in/ and on the home page, you will find the option to renew. Click ‘Renew’, provide the details of your existing policy, pay the premium online and your plan would be renewed easily.

You can also compare your existing policy with other available health insurance plans through Turtlemint. Turtlemint is tied-up with leading health insurance companies and offers some of the best health insurance plans. Visit www.turtlemint.com/health-insurance, provide your coverage details and check the plans which are available. Compare your existing policy with other available policies and if you find a better deal you can also port your Future Generali health insurance plan to another plan at the time of renewals.

How to make a claim under Future Generali health insurance plans?

To make a claim in your health insurance policy, you should register your claim with Future Generali first. You can register online on the company’s website or call up the company’s claim assistance helpline and register your claim. Once the claim is registered, here is the claim process that you should follow –

  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
  4. 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
  5. Based on the claim form submitted, the insurance company would reimburse you for the medical costs that you have incurred

Documents required for claims

For making a valid claim in your health insurance policy, you should submit the following documents –

  • The claim form, filled and signed
  • Policy bond
  • Identity proof of the insured member
  • Hospital bills in original
  • Medical bills in original
  • All hospital and medical records
  • Doctor’s prescriptions which advised on hospitalisation

Review of Future Generali health insurance

Future Generali offers almost all types of health insurance plans whether it is indemnity plans, critical illness plan, senior citizen plans or top-up and super top-up plans. Thus, the company aims to fulfil all your health insurance requirements. The coverage benefits are quite inclusive and the premium rates are also low. You can, therefore, consider buying a suitable health insurance policy from Future Generali for your coverage needs.


FAQ’s

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.