Future Generali Arogya Sanjeevani Policy: Eligibility, Coverage, Benefits

Future Generali Arogya Sanjeevani Policy

Arogya Sanjeevani policy by Future Generali General Insurance Company is a standard insurance product as per the guidelines laid down by the Insurance Regulatory and Development Authority of India. The sum insured, eligibility criteria, and coverage benefits of this plan are given below.

Future Generali Arogya Sanjeevani Policy- Eligibility Criteria, Coverage Benefits, and Claims

The Arogya Sanjeevani health scheme covers modern treatment expenses and all the day-care procedures. Moreover, health insurance coverage is available on a family floater and individual basis. Arogya Sanjeevani policy is suitable for those who are looking for a cost-effective health plan during the COVID-19 pandemic.

Eligibility Criteria

Criteria	Specifications
Sum Insured	Rs 50,000 to Rs 10 lakh
Entry Age Criteria	18-65 years
Dependent Children	3 months-25 years
Co-payment	5%
Coverage Type	Individual/Family Floater
Cumulative Bonus	5%-50%

Key Features of Future Generali Arogya Sanjeevani Policy

Future Generali Arogya Sanjeevani policy offers the following features and benefits to the insured:

Wide Age Group- Anyone between the age group of 18-65 years can purchase this policy
Coverage Type- The coverage can range from individual and family floater cover
Installment Premium - The premium can also be paid in monthly, quarterly, and semi-annually installments
Flexible Sum Insured Option- The coverage amount ranges from Rs 1 lakh to Rs 5 lakh
Lifetime renewal- Future Generali Arogya Sanjeevani policy can be renewed lifetime
Pre-medical Screening- Pre-medical screening is not required up to the age of 56 years
Tax-Benefits- Tax benefits under the Section 80D are provided on the premium paid

Inclusions of Future Generali Arogya Sanjeevani Policy

Future Generali Arogya Sanjeevani policy covers the following expenses during the policy term:

Hospitalization Cover- The treatment charges, doctor fees,cost of medicines are covered as well.
Hospital Room Rent-Room rent, boarding, and nursing charges compensation limit under this policy is maximum of Rs 5000 or 2% of your policy amount
Cataract Surgery Expenses- The limit is Rs. 40,000 to 25% of the sum insured
ICU/ICCU Expense Cover- The coverage limit is Rs 10,000 or 5% of the sum insured
Ayush Expense Cover- In-patient hospitalization expenses incurred on Homeopathy, Ayurveda, Unani, Siddha, Yoga, and Naturopathy treatment are compensated
Modern Treatment Cover- For new-age modern treatments listed in the policy wordings the coverage limit is up to 50% of the insurance amount
Daycare Procedures- The policy covers all the daycare procedures during the policy duration

Exclusions of Future Generali Arogya Sanjeevani Policy

Future Generali Arogya Sanjeevani policy does not cover the following expenses:

Any medical condition for which the treatment has been received within 48 months from the policy inception date
Changes in gender treatments
Plastic of cosmetic surgeries
Any illness contracted in the initial 30 days from the policy commencement
Hospitalization required for medical investigation and evaluation purpose
Rehabilitation, rest cure, and respite care related hospitalization expenses
Obesity Treatments
Medical expenses related to adventure sports and hazardous activities

How to file Health Insurance Claim for Future Generali Arogya Sanjeevani Policy?

For emergency hospitalization the insured need to inform the Future Generali General Insurance Company within 24-hours and planned hospitalization within 48-hours. However, the process to claim reimbursement of expenses and cashless hospitalization is given below:

Reimbursement Claims:

For claim reimbursement you can adhere to the following timelines:

While filing a claim for pre-hospitalization reimbursement you can claim within 30-days of hospital discharge
While filing a claim for post-hospitalization reimbursement you can claim within 15-days of

availing the hospital treatment

Cashless Claims:

For those how have availed treatment in a network hospital a cashless claim can be filed
Firstly, fill the Future Generali cashless claim form, which is available at the TPA at the network hospital
This claim form is shared with the TPA/ Insurance Company for authorization. Once it is verified, a pre-authorization letter is sent to the hospital by the TPA
The next step is to sign and cross-check your hospital discharge papers
Submit all the required documents like your ID proof, medical bills, diagnostic reports, NEFT details as required
If your cashless claim is denied due to some reason then you can file for reimbursement of your hospital expenses

To know more about Future Generali Arogya Sanjeevani policy you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.

FAQs

Q1. Does Future Generali Arogya Sanjeevani policy pays for Ayush treatment expenses?

Ans: Yes, Ayush in-patient hospitalization is covered including Ayurveda, Homeopathy, Unani, Siddha, Yoga, and Naturopathy systems under this policy
Q2. What is the maximum policy cover amount that Future Generali Arogya Sanjeevani policy offers?

Ans: Yes, the maximum policy cover amount that Future Generali Arogya Sanjeevani policy offers is Rs 10 lakh.
Q3. Can I avail cashless hospitalization facility available under the Future Generali Arogya Sanjeevani plan?

Ans: Yes, you and your insured family members can avail cashless hospitalization facility is available in more than 4300 network hospitals across India.
Q4. Is family floater cover provided under the Future Generali Arogya Sanjeevani health insurance policy?

Ans: Yes, Future Generali Arogya Sanjeevani health insurance policy offers family floater cover to your spouse, children, parents, and parents-in-law. Please note that the policy only covers your dependent children.
Q5. Can I buy the Future Generali Arogya Sanjeevani policy online?

Ans: Yes, you can buy the Future Generali Arogya Sanjeevani policy online from Policybazaar.com. You can reach out to them at care@policybazaar.com or speak to their experts at 1800-708-8787.

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