Future Generali Health Insurance for Parents
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Future Generali Health Insurance for Parents
Future Generali Health Insurance for parents is tailored to offer extensive medical coverage to people in their golden years. With these health plans, the Future Generali India Insurance Company addresses the healthcare requirements of parents aged 50 years and above, encompassing the medical expenses they are prone to encounter. Moreover, it offers valuable benefits to support parents in their later years, including annual health check-ups and emergency assistance services.
Future Generali Health Insurance Plans for Parents
Explore the diverse Future Generali Health Insurance plans ideal for parents:
| Plan Name | Sum Insured | Pre-existing Diseases Waiting Period | Co-Payment |
| Health Total | Rs 3 lakh to Rs 1 crore | 2 Years | Applicable based on age, ranging from 20% to 40% |
| FG Health Elite | Rs 75 Lakhs,
Rs 1 to Rs 6 Crores in multiples of Rs 50 Lakhs |
2 years | 20% for Insured Persons aged 61 to 65 years, applicable for all subsequent renewal policies. |
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Eligibility Criteria for Future Generali Health Insurance for Parents
Here are the eligibility criteria to buy Future Generali Health Insurance for parents:
| Plan Name | Minimum Entry Age | Maximum Entry Age | Renewability |
| Health Total | Day 1 | No Limit | Lifelong |
| FG Health Elite | 18 Years | 65 years | Lifelong |
Key Benefits of Future Generali Health Insurance for Parents
Explore the key advantages of buying Future Generali Health Insurance for Parents:
- Comprehensive coverage for all medical expenses, including hospitalization, day care treatment, pre-hospitalization costs, post-hospitalization costs, organ donor expenses, and more.
- Flexible premium payment options, including monthly, quarterly, and half-yearly payments.
- Coverage for maternity expenses, including pre-hospitalization expenses, post-hospitalization expenses, delivery charges, and pre and post-natal expenditures.
- Coverage for mental illness treatment expenses.
- Coverage for alternative treatments like Ayurveda and Homeopathy.
- Coverage for out-patient medical expenses, including consultations, diagnostic tests, and prescribed medications.
- Wellness benefits, including medical tests at designated centres.
- Cumulative bonus for every claim-free year, up to a maximum of 100% of the sum insured.
- Accompanying person benefits for children up to 12 years old.
- Lifelong policy renewals, ensuring continuous coverage throughout policyholders' lives.
Inclusions of Future Generali Health Insurance for Parents
The coverage aspects provided by Future Generali Health Insurance for parents include:
| Coverage | HEALTH TOTAL | FG HEALTH ELITE |
| In-patient hospitalization expenses | ✓ | ✓ |
| Pre-hospitalization medical expenses | ✓ | ✓ |
| Post-hospitalization medical expenses | ✓ | ✓ |
| Day care treatment | ✓ | ✓ |
| Domiciliary hospitalization | ✓ | ✓ |
| Road ambulance cover | ✓ | ✓ |
| Organ donor expenses | ✓ | ✓ |
| AYUSH treatment | ✓ | X |
| International emergency assistance services | ✓ (under Premiere plan) | X |
| Second e-opinion on major illnesses | ✓ | ✓ |
| Home treatment | X | ✓ |
| OPD treatment | ✓ (under Superior and Premiere plan) | ✓ |
| Mental Illness Hospitalization | ✓ | ✓ |
| Obesity treatment | X | ✓ |
| Dental consultation & investigations | ✓ | ✓ |
| International coverage for major illnesses | ✓ (under Premiere plan) | X |
| Vaccination cover | ✓ (under Premiere plan) | ✓ |
Optional Inclusions (Purchased as Add-ons)
The following are the optional coverages available when purchasing Future Generali Health Insurance for Parents:
- Restoration of Sum Insured
- E-opinion in respect of an illness or injury
- Accompanying Person
- Voluntary deductible discount
- Wellness benefits including medical tests at designated centers
- Lumpsum payments on diagnosis of Cancer (can be availed once in a lifetime)
- Air ambulance cover
- Co-pay waiver
- Prosthetic Devices
- Cataract (24 months waiting period)
- HIV
- Bariatric Surgery
- Repatriation of mortal remains
- Hearing and Optical Aid
Exclusions of Future Generali Health Insurance for Parents
Future Generali Health Insurance for parents does not cover medical expenses for the following treatments:
- Non-prescribed medicines
- Illness due to the consumption of alcohol or drugs
- Hormone replacement therapy
- Age disabilities or illnesses from birth known as congenital
- Sex change treatment
- Cost of annual health check-ups
- Injury or illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war-like operations (whether war is declared or not).
- Circumcision, unless necessary for treatment of an illness not excluded hereunder or as may be necessitated due to an accidents
- Obesity and weight control treatments
- Cost of contact lenses, spectacles, and hearing aids
- Cosmetic or plastic surgery other than as may be necessitated due to an accident or as a part of any illness
- Treatment for baldness
- Intentional self-injury
FAQs
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Q1. What are the benefits covered under Future Generali Health Insurance for parents?
Ans: The Future Generali Health Insurance for parents covers benefits such as hospitalization medical expenses, emergency medical evacuation, day care treatment expenses, domiciliary hospitalization expenses, pre-hospitalization and post-hospitalization medical expenses, restoration of sum insured, maternity expenses, alternative treatment cover, and more. -
Q2. What is the age eligibility for the Future Generali Health Insurance for parents?
Ans: The Future Generali Health Insurance for parents is available for individuals of all ages. There is no maximum age limit for entry, and the policy can be renewed for life. -
Q3. What are the waiting periods for Future Generali Health Insurance for parents?
Ans: The Future Generali Health Insurance for parents has waiting periods for certain conditions. There is a 2-year waiting period for pre-existing diseases, a 30-day waiting period for fresh proposals excluding accidental hospitalization, and a 4-year waiting period for joint replacement and organ transplant. -
Q4. Are there any co-payments applicable?
Ans: Yes, there are co-payments applicable based on the age of the insured. For individuals aged 60-64 years, there is a 20% co-payment, for individuals aged 65-69 years, there is a 25% co-payment, for individuals aged 70-74 years, there is a 30% co-payment, and for individuals aged 75 years and above, there is a 40% co-payment. -
Q5. Can family members be covered under a single Future Generali Health Insurance?
Ans: Yes, Future Generali Health Insurance offers both individual and family floater cover. A maximum of 15 members can be covered under a single FG Health Elite policy, including spouses, children, parents, dependent siblings, daughter-in-law, son-in-law, parents-in-law, grandparents, and grandchildren.
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*
Health insurance companies
Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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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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