Future Generali Future Aarogya Bima: Benefits, Features, Renewal

Future Generali Future Aarogya Bima

Future Generali Future Aarogya Bima policy is a beneficial and affordable health policy that will cover your entire family and give them access to quality healthcare. It provides a cashless facility and covers significant expenses that ensure that treatment happens in a hassle-free manner. Most importantly, their significant coverage ensures that you don't need to dip into your savings to fund a medical emergency.

Type	Individual/Floater basis
Sum Insured	Rs 2 lakh, 3 lakh, 5 lakh
Plan Options	3 types, based on Co-payment options
Policy Tenure	1 year
Renewability	Lifelong

Coverage Offered

This particular Future Generali Health Insurance promises to cover for a family member from Day 1 to 70 years after that till lifetime. The Sum Insured options are Rs 2 lakh, Rs 3 lakh, and Rs 5 lakh. There are three plan options available:

Plan A: Compulsory Co-payment of 10%
Plan B: Compulsory Co-payment of 10% and additional Co-payment of 20%
Plan C: Compulsory Co-payment of 10% and additional Co-payment of 30%

The essential components that Future Generali Future Aarogya Bima Insurance Policy covers are as follows:

Inpatient Treatment: This includes room rent, nursing expenses, medicines, drugs, Operation Theater charges, X-Ray, diagnostic materials, fees of specialists, etc.
Other Expenses: Expenses incurred during day-care treatment, pre-hospitalization medical expenses (60 days), and post-hospitalization medical expenses (90 days) come under this category. Pre-and post-hospitalization are subject to 2% of the Sum Insured option.

Inclusions of the Future Generali Future Aarogya Bima Health Insurance

Alongside the basic coverage offered by Future Generali Future Aarogya Bima Health Insurance, the insured as certain additional benefits:

The health insurance doesn't require a pre-insurance medical examination if the insured in question is up to 50 years.
However, if the insured is 51 years and above, a pre-acceptance medical assessment is mandatory. Upon issuance of the policy, the insured will receive 50% reimbursement.
Pre and Post Hospitalisation Coverage is offered up to certain days.
The policy also offers coverage for day care treatment.
The policy comes with family savings options in case more than two members are covered.
A certain percentage of co-payment is applicable in every claim as per the plan variant chosen.

Exclusions of the Policy

The following heads of expenditure are not covered by the Future Generali Future Aarogya Bima Health Insurance:

Pre-existing diseases until 48 months from the date of the beginning
Any illnesses that happen during the first 30 days from the start of the policy (except accidental injuries.)
Surgeries like cataracts, tumors, gallstones, renal stones, and hernia will be covered only after a waiting period of 24 months.
STDs (except AIDS /HIV, which will be covered after 48 months).
Injury or illness due to alcohol or drug abuse
External congenital anomaly
Hormone replacement therapy or sex alteration treatments
Illness or injury resulting due to war, invasion, riots, unlawful activities, etc.

For a detailed list of exclusions, please refer to the policy document.

Future Generali Future Aarogya Bima Policy: Features and Benefits

The Future Generali Future Aarogya Bima offers the insured several features:

Family floater benefit
Smooth portability options for the Future General Future Aarogya Bima Health Insurance
30-day Free Look Period to cancel the policy.
Premium savings in the case of upfront premium payment for a long-term policy up to 10%.
When you opt for Future Generali Health Insurance, a premium paid by any mode receives tax relief as per Section 80-D of the Income Tax Act.
There is no premium loading even in case of adverse claim records.

Eligibility Criteria

The minimum eligibility criteria to buy this plan are:

Maximum Entry Age	18-70 years (entry age of proposer)
Minimum Entry Age	From birth-25 years (entry age of the child)
Number of people covered	Individual Floater: Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years), and 2 dependent parents. Family Floater: Self, Spouse, and Up to 3 dependent children (Unmarried and up to the age of 25 years).
Residential Status	Indian residents and citizens

Cancellation of the Policy

The Free Look Period gives the insured the option to review the coverage and terms and conditions. If he/she is not satisfied with the policy, it can be returned within 15 days of the receipt of the policy documents. Provided no claim has been made. The insurer will refund the premiums as per the rules stated in the policy wordings.

FAQs

Q. What is the policy term for Future Generali Future Aarogya Bima?

Ans: The minimum policy term is 1 year, and the maximum policy term is 2 years.
Q. Are there any limits to claim for pre-and post-hospitalization?

Ans: The combined expenses for pre-and post-hospitalization are limited to up to 2% of the chosen Sum Insured option.
Q. How do I pay the premium if I wish to avail the 80D certificate for tax deduction?

Ans: The premium must be paid via Credit Card/Debit Card, Net Banking, or Cheque (not cash).
Q. Are there any provisions for an online Future Generali Future Aarogya Bima?

Ans: To know more about this, you can send an email or call on helpline numbers of the insurer. Alternatively, all documents (brochure, claims form, and policy wordings) are available on the official website.
Q. What do I receive after I buy Future Generali Health Insurance?

Ans: With 12-15 days of purchasing, you will receive the health card, policy schedule, premium receipt, 80D certificate, Policy Coverage, and Terms and Conditions, Claim Form, Feedback Form, and Grievance Redressal.

Policybazaar exclusive benefits

30 minutes claim support*(In 120+ cities)
Relationship manager For every customer
24*7 claims assistance In 30 mins. guaranteed*
Instant policy issuance No medical tests*

❮ ❯

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*We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30- minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881.

*Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

*All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

**All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

*₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

*₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

*₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

*₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

*₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

*No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

*The values taken for effective cost calculation are indicative values and may change as per the selected plan.

*Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

*Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

*The scope of coverage may vary from plan to plan.

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##On ground claim assistance is available in 114 cities

Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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Future Generali Future Aarogya Bima