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.
Here are some facts and benefits about Future Generali which make the company’s health plans beneficial to buy –
Health insurance plans offered by Future Generali have the following common features –
Here is a list of all health insurance plans offered by Future Generali along with their features and eligibility parameters –
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 –
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 |
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 –
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 |
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 –
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 |
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 –
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 |
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 –
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 |
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 –
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 |
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 –
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 |
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 –
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% |
This is a health insurance plan which offers coverage for your medical costs. The plan has the following highlighting features –
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% |
This is an affordable health insurance plan which provides coverage for all basic medical expenses at affordable premiums. The features are as follows –
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 |
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 –
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 |
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 –
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.
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.
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.
The expenses incurred in harvesting an organ from a donor for your organ transplant surgeries are covered under a mediclaim insurance policy.
Treatments which are taken at home because of unavoidable circumstances are called domiciliary treatments. These treatments are covered subject to certain terms and conditions.
If you take treatments through non-allopathic means like Ayurveda, Unani, Homeopath, etc. you can avail coverage for the costs incurred on such treatments.
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 –
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.
Before you buy a Future Generali health insurance plan, here are some things which you should remember –
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.
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 –
For making a valid claim in your health insurance policy, you should submit the following documents –
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.
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.