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Future Generali Health Total Insurance Plan

In today’s modern world, most people are surrounded by stress and other lifestyle hazards, impacting one’ health to a large extent. Everyone has a number of challenges, right from regular health issues to serious ailments, requiring hospitalisation and medical treatments. Medical Inflation is pushing treatment costs through the roof and one must ensure they are adequately protected by health insurance to ensure financial stability. And with Health Total from Future Generali, all the insured’s requirements are covered under a comprehensive cover, a perfect answer to all one’s medical needs. Health Total is a Comprehensive Retail Health Product with wider and long term coverage.
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Family definitions under Health Total

  • Vital Plan - Self, spouse, dependent children (unmarried and up to the age of 25 years) and dependent parents.
  • Superior Plan & Premiere Plan - Self, spouse, dependent (unmarried and up to the age of 25 years) or non – dependent children, dependent or non – dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren (maximum up to 15 members).

Pre-acceptance Medical Tests

They are not required for all proposers up to the age of 50 years for Vital Plan, without any health declaration). For age 51 years and above, medical tests are mandatory. Compulsory medical tests are required for Superior and Premier Plans for those who completed 18 years of age and above.

Vital Plan Superior Plan Premier Plan
Upto 50 years of age Above 50 years of age From 18 years to 50 years Above 50 years of age From 18 years to 50 years Above 50 years of age
Not Required Required Required Required Required Required
  • Coverages
  • Benefit Description

Coverage under This Plan

All figures in ₹ INR Vital Plan Superior Plan Premier Plan
Eligibility
Sum Insured 3,00,000 5,00,000 10,00,000 15,00,000 20,00,000 25,00,000 50,00,000 1,00,00,000
Minimum Age at Entry 1 day 1 day 1 day 1 day 1 day 1 day 1 day 1 day
Maximum Age at Entry None None None None None None None None
Maximum Renewal Age Lifelong Lifelong Lifelong Lifelong Lifelong Lifelong Lifelong Lifelong
Individual SI / Family Floater SI Options Both Both Both Both Both Both Both Both
Family Definition Self+Spouse+2 Children+2 Parents (1+5) Self+Spouse+2 Children+2 Parents (1+5) Self+Spouse+2 Children+2 Parents (1+5) Extended family upto 15 members Extended family upto 15 members Extended family upto 15 members Extended family upto 15 members Extended family upto 15 members
Hospitalisation Benefits
Hospitalisation Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI) Upto Sum Insured (SI)
Day Care Treatment Covered Covered Covered Covered Covered Covered Covered Covered
Pre Hospitalisation 60 days 60 days 60 days 60 days 60 days 60 days 60 days 60 days
Post Hospitalisation 90 days 90 days 90 days 120 days 120 days 120 days 180 days 180 days
Restoration of Sum Insured Covered Covered Covered Covered Covered Covered Covered Covered
Cumulative Bonus- 50% for each claim free year (upto 100%) Covered Covered Covered Covered Covered Covered Covered Covered
Maternity Benefit (Normal) 15,000 20,000 25,000 30,000 40,000 40,000 50,000 50,000
Maternity Benefit (Caesarean) 25,000 35,000 45,000 50,000 60,000 60,000 1,00,000 1,00,000
Pre Natal Hospitalisation (within Maternity Limit) - - - 90 days 90 days 90 days 90 days 90 days
Post Natal Hospitalisation (within Maternity Limit) - - - 45 days 45 days 45 days 45 days 45 days
Organ Donor Expenses Covered Covered Covered Covered Covered Covered Covered Covered
New Born Baby Benefits : Automatic Cover within Mother's SI up to expiry date - - - Covered Covered Covered Covered Covered
New Born Baby Benefits : Reasonable Vaccination benefits upto 1 year of age - - - Upto 3,500 Upto 3,500 Upto 3,500 Upto 5,000 Upto 5,000
Patient Care (above 60 years - per day benefit upto max) 350/day 350/day 350/day 500/day 500/day 500/day 1,000/day 1,000/day
Patient Care (above 60 years - Maximum) 10 days per Hospitalisation and 30 days per policy year
Accidental Hospitalisation - 25% increase subject to max of 10 lacs Covered Covered Covered Covered Covered Covered Covered Covered
Accompanying Person (upto 12 years) 500/day upto max of 30 days Covered Covered Covered Covered Covered Covered Covered Covered
Domiciliary Hospital Expenses - Max upto 10% of SI Covered Covered Covered Covered Covered Covered Covered Covered
Alternative Treatments - Ayurvedha, Unani, Sidha, Homeopathy - Reimbursement Covered Covered Covered Covered Covered Covered Covered Covered
Medical Treatment Abroad
Medical Treatment Abroad - - - - - - Covered Covered
Medical Treatment Abroad - Waiting Period - - - - - - 4 years 4 years
Road Ambulance
Road Ambulance Charges - Network Hospitals 1,500 1,500 1,500 Actuals Actuals Actuals Actuals Actuals
Road Ambulance Charges - Non Network Hospitals (Reimbursement) 1,500 1,500 1,500 2,000 2,000 2,000 5,000 5,000
Emergency Medical Evacuation
Emergency Medical Evacuation - upto 5% of SI - - - Covered Covered Covered Covered Covered
E-Opinion
E-Opinion for Illness / Injury (Maximum Twice per policy year) Covered Covered Covered Covered Covered Covered Covered Covered
Outpatient (OPD) Expenses
Outpatient Consultation & Diagnostics (Reimbursement Upto) - - - 3,000 for Individual and 10,000 for Floater Option 3,000 for Individual and 10,000 for Floater Option 3,000 for Individual and 10,000 for Floater Option 10,000 for Individual and 20,000 for Floater Option 10,000 for Individual and 20,000 for Floater Option
Prescribed Medicines (Reimbursement Upto) - - - - - - 10,000 for Individual and 20,000 for Floater Option 10,000 for Individual and 20,000 for Floater Option
Child Vaccination Benefits
Child Vaccination Benefits (Reimbursement Upto) - - - - - - Upto 12 years of age - 5,000 per Annum Upto 12 years of age - 5,000 per Annum
Wellness Benefit
Wellness including Medical Tests at Designated Centres Covered Covered Covered Covered Covered Covered Covered Covered
One Time Discount
One Time Renewal Discount - subsequent to death of proposer) 10% 10% 10% 10% 10% 10% 10% 10%
Family Discount
Family Discount (Individual SI Policies) Covered Covered Covered Covered Covered Covered Covered Covered
Voluntary Deductible
Discount in lieu of Voluntary Deductible Covered Covered Covered Covered Covered Covered Covered Covered
Waiting Periods
Pre Existing Diseases
Compulsory Waiting Period 2 years 2 years 2 years 2 years 2 years 2 years 2 years 2 years
Pre Existing Diseases - Max Liability 3rd Year onwards 50% 50% 50% 50% 50% 50% 50% 50%
Pre Existing Diseases - 4th Year onwards 100% 100% 100% 100% 100% 100% 100% 100%
General Waiting Periods
Fresh Proposals excluding Accidental Hospitalisation - 30 days Covered Covered Covered Covered Covered Covered Covered Covered
Listed Conditions - 2 years Covered Covered Covered Covered Covered Covered Covered Covered
Joint Replacement & Organ Transplant - 4 years Covered Covered Covered Covered Covered Covered Covered Covered
Compulsory Co Pay
20% co-payment where entry age is from 60 years to 64 years Covered Covered Covered Covered Covered Covered Covered Covered
25% co-payment where entry age is from 65 years to 69 years Covered Covered Covered Covered Covered Covered Covered Covered
30% co-payment where entry age is from 70 years to 74 years Covered Covered Covered Covered Covered Covered Covered Covered
40% co-payment where entry age is 75 years and above Covered Covered Covered Covered Covered Covered Covered Covered

Benefit Description

Expenses covered Hospitalization Medical Expenses, Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Organ Donor Expenses, Domiciliary Hospitalisation Expenses.

Restoration of the Sum Insured If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to T & C.

Maternity Expenses Maternity benefit with only two years of waiting period when both husband and wife are covered together.

Miscellaneous Coverages Patient Care, Accompanying Person, Road Ambulance Charges, Wellness Care, E-Opinion in respect of an Illness or Injury and Alternative Treatment.

Accidental Hospitalization Increase in the Sum Insured by 25% of the available balance Sum Insured subject to maximum 10 lakhs in case of Accidental Hospitalisation.

Emergency Medical Evacuation (applicable for Superior Plan and Premiere Plan) We will reimburse expenses under this Benefit incurred for medical evacuation from the place of local Hospitalisation /Accident to any other Hospital within India.

Out Patient Medical Expenses - (applicable for Superior Plan and Premiere Plan)
  • Reimburse Expenses - We shall reimburse expenses towards consultation, diagnostic tests and medications prescribed as per plan opted.
  • Child Vaccination Benefits (applicable for Premiere Plan) - We will cover charges for vaccinations for child less than 12 years of age.
  • New Born Baby - (applicable for Superior Plan and Premiere Plan)
  • Medical Treatment Abroad for listed conditions - (applicable for Premiere Plan)
Additional covers Patient care, Accompanying Person, Road Ambulance Charges, E-Opinion in respect of an Illness or Injury, Alternative Treatment, Wellness Care

Cumulative Bonus 50% for every claims free year to a maximum of 100% * Product coverage’s applicable would be as per plan opted

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    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block,
    Bangalore - 560 034.
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CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022