Future Generali Future Aarogya Bima

Future Generali Future Aarogya Bima benefits

• Sum Insured options available (in ₹INR)

  • 2,00,000
  • 3,00,000
  • 5,00,000

  Plan Options Available

  • Plan A : Mandatory co-payment of 10%
  • Plan B : Mandatory co-payment of 10% and additional co-payment of 20%
  • Plan C : Mandatory co-payment of 10% and additional co-payment of 30%

  Co-payment shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

  Policy Term

  • Minimum Policy Term : 1 year
  • Maximum Policy Term : 3 years

  Eligibility

  • Minimum entry age of Proposer : 18 years
  • Maximum entry age of Proposer : 70 years
  • Minimum entry age of Child : Day 1
  • Maximum entry age of Child : 25 years
  • Maximum Renewal Age : Lifelong

  Family Definition

  • Individual option:Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents.
  • Family Floater option:Self, Spouse and Up to 3 dependent children (Unmarried and up to the age of 25 years).

• Coverage description of Future Generali Future Health Suraksha Policy

  • Inpatient Treatment
    • Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home Up to 1% of the Sum Insured per day for non-ICU room.
      • Co-payment will be applicable in case of admission in a room with rent higher than the entitled room limit.
    • Other Inpatient Expenses : Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc
  • Pre & Post Hospitalisation
    • From 60 days prior and 90 days post
  • Day Care expenses
    • Covers 409 procedures
  • Pre-Acceptance Medical Tests
    • No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.
    • Mandatory Pre-insurance medical examination if the Insured is 51 years and above.
    • Insured is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
    • Medical Report Validity : 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre
  • Discount Features
    • Family discount will be applicable in case two or more family members are covered in the same policy in case of Individual Sum Insured option.
    • Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.
  • Instalment Facility
    • Facility of instalment premium payment is available on monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
  • Co-payment
    • Co-payments shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.
  • Loading on Claim experience
    • There will be no loading on premium for adverse claims experience.
  • Tax benefit
    • Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act

• Exclusions of Future Generali Future Aarogya Bima

  • External Congenital Anomaly and related Illness/ defect
  • Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).
  • Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.
  • 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 be declared or not)

  Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”