Future Generali Health Insurance

• Subject to a clean proposal form, medical tests are waived off up to the age of 45 years. Above the age of 45, medical tests are mandatory and 50% of the test charges are reimbursed to the customer
• For entry age of up to 55 years, the maximum sum assured is Rs. 10 lakhs; for entry age of above 55 years, the maximum sum assured is Rs. 5 lakhs.
• Re and post hospitalization expenses are covered for 60 to 90 days respectively
• Pre-existing diseases are covered after four continuous policy renewals
• Hospital cash benefits are allowed under the Platinum plan only      
• Ambulance charges are covered upto Rs. 15000
• Coverage of 130 day care procedures            
• Accompanying person’s charges are covered up to Rs. 500 per day
• Patient care expenses are covered for those above 60 years; the amount is up to Rs. 350 per day
• A cumulative bonus is awarded for every claim-free year, from 10% to 50%
• Cost of health check up after four claim-free years is covered at authorized centers
• Additional cover may be purchased by the customer for accidental hospitalization in which the Sum Assured limit is enhanced by 25% up to a maximum of Rs. 1 lakh
• Upon completion of two policy years, there is coverage for cataract, tumour, hernia and similar ailments
• After the completion of 1 policy year, gallstones, kidney stones and similar conditions are covered
• Upon the completion of three policy years, there is coverage of Joint Replacement Surgery, that is required for reasons other than accident

Eligibility for Future Health Suraksha Individual Plan:

• Any Indian resident individual is between the ages of 18 to 70 years with lifetime renewal.
• Children between the ages of 3 months and 25 years are covered as long as the parents are insured.

• This plan is sub-categorized under three categories as per the benefit structure provided, the sub-categories are Basic, Silver and Platinum.
• Subject to a clean proposal form, medical tests are waived off up to the age of 45 years. Above the age of 45, medical tests are mandatory and 50% of the test charges are reimbursed to the customer
• For entry age of up to 55 years, the maximum sum assured is Rs. 10 lakhs; for entry age of above 55 years, the maximum sum assured is Rs. 5 lakhs.
• Re and post hospitalization expenses are covered for 60 to 90 days respectively
• Pre-existing diseases are covered after four continuous policy renewals
• Hospital cash benefits are allowed under the Platinum plan only      
• Ambulance charges are covered upto Rs. 1500
• Coverage of 130 day care procedures            
• Accompanying person’s charges are covered up to Rs. 500 per day
• Patient care expenses are covered for those above 60 years; the amount is up to Rs. 350 per day
• A cumulative bonus is awarded for every claim-free year, from 10% to 50%
• Cost of health check up after four claim-free years is covered at authorized centers
• Additional cover may be purchased by the customer for accidental hospitalization in which the Sum Assured limit is enhanced by 25% up to a maximum of Rs. 1 lakh
• Upon completion of two policy years, there is coverage for cataract, tumour, hernia and similar ailments
• After the completion of 1 policy year, gallstones, kidney stones and similar conditions are covered
• Upon the completion of three policy years, there is coverage of Joint Replacement Surgery, that is required for reasons other than accident

Eligibility for Future Generali Health Suraksha Family plan:

• Any Indian resident individual is between the ages of 18 to 70 years with lifetime renewal.
• Children between the ages of 3 months and 25 years are covered as long as the parents are insured.

• Cashless hospitalization at any of the company’s 4200+ network of hospitals
• The following are covered:
• Permanent total disability
• Permanent partial disability
• Temporary total disability
• Death due to accident
• There is no medical examination required
• Hospital cash benefits are allowed under this plan
• There is an in-built cover for Repatriation Benefit and funeral expenses, in which an amount of up to a maximum of 1% of the Accidental Death Sum Insured is reimbursed for the repatriation of the insured persons remains. The limit of this is Rs. 12,500.
• Disability or death due to acts of terrorism is covered
• There is a loan protector benefit in which in case of permanent total disability or death, a lump sum amount is paid
• There is an Adaptation Allowance in which if there is Permanent Total Dismemberment or Disability, an amount of up to 10% of the principal sum insured will be reimbursed to the customer, towards modifying the house or vehicle.  The maximum amount that will be paid is Rs. 50,000.
• Family Transportation Allowance is given when the insured person is placed in a hospital that is outside 100 Kms of his or her residence. The actual transportation expenses will be reimbursed up to a maximum of Rs. 50,000.
• Additional cover may be purchased by the customer for Accidental Medical Expenses, Life Support Benefit, Child Education Support and Accidental Hospitalization.

Eligibility For Future Health Suraksha Personal Accident Insurance Plan:

• Any Indian resident individual is between the ages of 18 to 70 years with lifetime renewal.
• Children between the ages of 3 months and 25 years are covered as long as the parents are insured.

• Medical expenses in case of hospitalization are covered
• There is portability facility that helps in migrating from one health policy to another by the same company
• The customer can choose to cover him or herself along with his  or her family members, that is, the spouse and two dependent children
• Income tax benefit under Section 80D of the Income Tax Act on the premium that is paid
• There is a Lump Sum Benefit if the customer is diagnosed with any of twelve specified critical illnesses
• The twelve critical illnesses that are covered with this plan are as follows:

1. Cancer (of specified severity)
2. First heart attack (of specified severity)
3. Coma (of specified severity)
4. Total blindness
5. Major Organ / bone marrow transplantation
6. Kidney failure requiring regular dialysis
7. Primary pulmonary hypertension
8. Liver failure
9. Multiple sclerorsis
10. Open chest CABG (coronary artery bypass graft)
11. Surgery to aorta
12. Stroke leading to permanent symptoms

Eligibility For Future Generali Criticare Critical Illness Insurance plan

• Any Indian resident individual is between the ages of 18 to 65 years with lifetime renewal.
• Children between the ages of 6 years and 25 years are covered as long as the parents are insured.

• There are four sub-categories of plans in this plan. They are as follows:

1. Plan A and Plan B – there is no income criteria
2. Plan C – income criteria of monthly income above Rs. 50,000
3. Plan D - income criteria of monthly income above Rs. 75,000

• Under a single sum insured, the customer can insure himself as well as his or her family members (meaning the spouse and two children up to the age of 25 years)
• Subject to a clean proposal form, medical tests are waived off up to the age of 45 years. Above the age of 45, medical tests are mandatory and 50% of the test charges are reimbursed to the customer
• If the insured person or family member is hospitalized in the ICU within city limits, then the insured person will get twice of the per day benefit
• If the insured person or family member is hospitalized in the ICU within city limits, then the insured person will get thrice of the per day benefit
• There is an Additional Convalescence Benefit of Rs. 5000 if the hospitalization extends for more than 10 days
• The ICU Benefit is available for a maximum period of 10 days per hospitalization and a maximum of 20 days during the policy period
• The insured person does not need to have a prior mediclaim policy in order to avail of this policy plan

Eligibility:

• Any Indian resident individual is between the ages of 18 to 65 years with lifetime renewal.
• Children between the ages of 6 years and 25 years are covered as long as the parents are insured.