Future Generali Arogya Sanjeevani Policy Plan

Key features of Future Generali Arogya Sanjeevani Policy

Feature	Description
Sum Assured	Minimum Sum Assured is ₹ 1 Lac Maximum Sum Assured is ₹ 5 Lacs (Sum Assured can be opted for in multiples of ₹50,000)
Minimum & Maximum Entry Age for Principal Assured	Adult Minimum Entry Age is 18 years Maximum Entry Age is 65 years Children Minimum Entry Age is 3 months Maximum Entry Age is 25 years
Policy Term	1 year
Policy Type	Individual Plan / Family Floater Plan
Hospitalisation Benefit Limits	For hospitalization expenses like room, boarding, nursing expenses up to 2% of Sum Assured or a maximum of ₹5,000 per day. ICU/ICCU expenses will also be provided up to 5% of sum assured or a maximum of ₹10,000 per day Ambulance Charges upto ₹2,000 per hospitalisation Sub-limits of cataract surgery are equal to actual expenses i.e. 25% sum assured or ₹4 lacs, whichever is lower.
Pre & Post Hospitalization	Pre Hospitalization expenses upto – 30 days Post Hospitalization expenses upto – 60 days
Initial Waiting Period	30 days waiting period. No claim will be paid in first 30 days after buying policy
Specific Waiting Period	24 months - Benign ENT disorders, Sinus, Cataract and age-related eye illnesses, Non-infective arthritis, tympanoplasty, Polyps, Gastric ulcer, Rheumatism, Gout, Tonsillectomy, Mastoidectomy, cysts, Spinal diseases except for accidental cases 48 months - Joint replacement treatment unless it is from an accident, Osteoporosis, etc 48 months - Pre-Existing Disease (pre-existing disease or medical condition)
Co-payment	Co-pay fixed at 5% for all ages/sum insureds in this policy
AYUSH Treatment	AYUSH treatments are covered (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy)
NCB (No Claim Bonus)	NCB (No Claim Bonus) of 5% for each year up to 50% of the sum assured is covered.
Other Policy Benefits
Family Members that can be covered under Floater Plan	The policyholder can include dependents, such as their legally wedded spouse, parents, dependent children (including legally adopted children) and parents-in-law. Note that any children who are above 18 yrs and financially independent will not be eligible for family floater coverage
Cashless Benefit	Yes, Cashless Treatment is available under this policy at the respective insurance company’s Network Hospitals
Premium Payment Frequency	Premiums can be paid on a Monthly, Quarterly, Half-yearly and Annual basis.
Renewability	Lifetime Renewability available on this policy
Portability	The policy offers the Portability option to other health insurance companies
Daycare Treatment	It covers the expenses arising out of any day care treatment procedures
Specific Coverages under this Policy
Modern Treatment Methods (Covered upto 50% of the Sum Insured)	Uterine Artery Embolization and HIFU (High Intensity Focused Ultrasound) Balloon Sinuplasty Deep Brain Stimulation Oral Chemotherapy Immunotherapy – Monoclonal Antibody to be given as injection Intra Vitreal injections Robotic surgeries Stereotactic radio surgeries Bronchial Thermoplasty Vaporization of the prostrate (Green laser treatment or holmium laser treatment) IONM – (Intra Operative Neuro Monitoring) Stem Cell Therapy - Hematopoietic stem cells for bone marrow transplant for haematological conditions to be cover
Plastic Surgery and Dental Treatment Expenses	The cost of any dental or plastic surgery treatment taken as a result of an illness or injury is covered under this policy

Expenses Covered under Future Generali Arogya Sanjeevani Policy

• Pre & Post Hospitalization Expenses
  This policy will cover all the pre-hospitalization expenses (upto 30 days) and post-hospitalization expenses (upto 60 days) following an emergency illness or accidental injury.
• ICU Charges
  The Arogya Sanjeevani policy pays ICU/ICCU expenses be provided up to 5% of sum assured or a maximum of ₹10,000 per day.
• Room Rent
  It covers the room rent of the hospital to up to a maximum of ₹5,000 per day.
• Ambulance Services
  It covers the cost of ambulance services up to a maximum of ₹2000 per hospitalization.
• Cataract Surgery
  It also covers the cost of cataract surgery upto a maximum of ₹40,000 or 25% of the sum insured amount, whichever is less for each eye.
• Coronavirus (COID-19) Expenses
  It covers any expenses incurred on hospitalization/treatment due to contracting COVID-19 or coronavirus disease.
• AYUSH Treatment
  AYUSH treatments are covered at recognised medical centres. (AYUSH means all treatments related to Ayurvedic, Yoga, and Naturopathy, Unani, Siddha, Homeopathy).
• New Age/ Modern Treatment
  This policy also covers the cost of modern/ new age treatment up to a maximum of 50% of the sum insured amount. The list of illnesses are in the table above.

Terms and Conditions of Future Generali Arogya Sanjeevani Policy

• Sum Assured
  This policy offers the multiple sum assured options from ₹1 lac to ₹5 lacs in the multiple of ₹50,000. The sum assured is available on both individual and family floater basis.
• Policy Duration
  This policy scheme offers policy term option of one year and is renewable on a lifetime basis.
• Co-payment
  For insureds of all age categories and sum insureds, this policy offers a standard co-payment option of 5% of the incurred claims amount payable at the time of settlement.
• Cumulative Bonus
  Arogya Sanjeevani policy also provides a bonus of 5% on the total sum insured amount for every claim-free year that is passed by the insured, and this is accumulated upto a maximum of 50% of the sum insured as a bonus.
• Frequency of Premium Payment
  The premium for this policy can be paid on a monthly, half-yearly, quarterly, and annual basis.
• Portability
  Arogya Sanjeevani policy is easily portable from one insurance company depending on the requirements of the insured.
• Grace Period
  For annual premium payment, 30 days grace period is allowed and for other modes (monthly, quarterly, half yearly) of premium payment 15 days grace period is allowed.
• Free Look Period
  The policy has a Free Look period of 15 days, within which the insure can cancel the policy and expect a full refund.

How can one buy the Future Generali Arogya Sanjeevani Policy?

Perhaps the easiest way to purchase a Arogya Sanjeevani health insurance policy will be online because the IRDAI has allowed insurance companies to issue the Arogya Sanjeevani electronically to the policyholders. This means that the insurance company can only share a online pdf document as an insurance policy to the insured unlike all other insurance plans currently in the Indian market. The simple process to be followed is:

• Go online to a comparison website like eindiainsurance
• Compare the quotes across all the insurance companies – Importantly since all insurance companies, will be offering exactly the same set of benefits for this plan, the individual can compare the premiums and also review the financial parameters of the insurance company while making a final decision
• Fill up the Arogya Sanjeevani proposal form of the respective insurance company
• Make a payment directly online through the payment gateway and then the policy will get issued by the respective insurance company

Moreover, the IRDAI has also directed all health insurance companies to provide a certificate of insurance to each policyholder for the benefits, terms and conditions of their Arogya Sanjeevani policy.

Future Generali India Insurance Company Limited
For Travel Claims

• Assistance Partner: Europ Assistance India Pvt Ltd
• Call at: 24X7 helpline number: +91 22 6734 7841
• Fax at: +91 22 6734 7888
• Email ID: fgi@europ-assistance.in or fgh.travel@futuregenerali.in
• Write at: Europ Assistance India Pvt. Ltd., 761 Solitaire Corporate Park. 167 Guru Hargovindji
  Marg, Chakala, Andheri(E), Mumbai – 400 093
• Also call Future Generali Directly at: National toll-free number1800 209 2333

For any Worldwide Emergency Assistance Services, Medical Assistance Services, Travel Assistance Services and for availing Cashless Service during a travel abroad please call on the below UIFN (Universal International Freephone Number)/ ITFS (International Toll Free Service) numbers provided on policy documents.

Country	Number to be dialled	Accessible from
USA	18337426672	Fixed Line, Mobile networks UIFN or Payphone
Canada	01180055331345	Fixed Line
New Zealand	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Singapore	00180055331345	Fixed Line, Mobile networks UIFN or Payphone
Malaysia	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Australia	001180055331345	Fixed Line, Mobile networks UIFN or Payphone
Austria	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
China	0080055331345	Fixed Line
France	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Germany	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
UK	0080055331345	Fixed Line, Mobile networks UIFN
Netherlands	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Belgium	0080055331345	Fixed Line
Portugal	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Denmark	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Hong Kong	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Norway	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Spain	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Poland	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Thailand	0080055331345	Fixed Line, Mobile networks UIFN
Philippines	0080055331345	Fixed Line
Italy	0080055331345	Fixed Line
Hungary	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Finland	0080055331345	Fixed Line, Mobile networks UIFN or Payphone
Ireland	0080099441111	Fixed Line, Mobile networks UIFN or Payphone
Russia	0080099441111	Fixed Line, Mobile networks UIFN
India	1800 209 2333	All phones Worldwide
India	02267347841	All phones (Chargeable number with call back facility)

For Health Claims

• Call at: Toll Free Phone numbers - 1800 103 8889 / 1800 209 1016
• Fax at: Toll Free numbers - 1800 103 9998 / 1800 209 1017
• Email at: fgh@futuregenerali.in
• Write at: Future Generali India Insurance Co Ltd, Indiabulls Finance Centre, Tower 3, 6th
  Floor, Senapati Bapat Marg, Elphinstone, Mumbai – 400013
• Alternate Email Id: fgcare@futuregenerali.in
• Website: https://general.futuregenerali.in

Exclusions under the Future Generali Arogya Sanjeevani Health Insurance Plan

The Arogya Sanjeevani health insurance policy excludes the following treatments:

• Maternity Expenses - Cost of treatment related to pregnancy and child birth
• Domiciliary hospitalization - Domiciliary hospitalization expenses
• Outpatient Treatment – Policy covers only expenses incurred during Inpatient treatment (atleast 24 hours hospitalisation)
• Adventure/ Hazardous Sports – Active Participation in a hazardous activities including scuba diving, rock climbing, sky diving, parasailing, deep-sea diving, mountaineering, etc, as a professional
• Cosmetic or Plastic Surgery – Unnecessary expenses for cosmetic/plastic surgery following an accident, burn injury, other medically necessary treatment
• Diagnostic or Investigative Tests - Diagnostic or Investigative tests done by the insured which are elective in nature
• Alcohol/ Drug addiction- Treatment following addiction of alcohol or drug/substance abuse
• Bed Rest or Rehabilitation Expenses
• Expenses for Treatment of Sterility or Infertility
• Claims due to a Nuclear Attack or War/ War-like situation
• Expenses incurred for Weight Control/ Obesity Treatment
• Any Treatment received by the insured outside the boundaries of India
• Expenses relating to surgery or treatment of Gender change

Please review the Terms & Conditions/Policy Wordings for the complete list of exclusions under the Arogya Sanjeevani policy.