Future Generali Insurance plans

Future Generali Future Vector Care - Mosquito Insurance

Compare India Health insurance quotes

Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
 
* Name, Email Id & Mobile No. are optional 

Future Vector Care is a health insurance product that provides a lump sum benefit in case the insured is diagnosed and hospitalised due to serious diseases caused by vectors.

Future Generali Health Insurance Review

Future Generali Health Insurance
Future Generali Health Insurance sum insured
3 lacs − 100 lacs options available
Incurred Claims Ratio *
73.00%
Health Insurance tenure options
Policy extends from 10 yrs to 30 yrs
Claims Settlement Ratio **
94.79%
List of network hospitals
5,100+ hospitals
Number of policies issued *
64,670
Maximum family floater coverage
Self, Spouse + dependent (children + parents)
Number of lives covered *
48,38,000
* As per IRDAI report for 2018-19   |   ** As per NL25 data published on the Insurance Company website

Future Generali Future Vector Care - Mosquito Insurance benefits

  • Benefits
  • What’s Covered
  • Exclusions

Sum Insured options available per person per annum are

  • 10,000
  • 25,000
  • 50,000
  • 75,000

Policy Term

  • Minimum Policy Term - 1 Year
  • Maximum Policy Term - 3 Years

Eligibility of Future Generali Future Vector Care - Mosquito Insurance<

  • Minimum Age at entry - 1 day
  • Maximum Age at entry - 65 years
  • Renewability Lifelong

Family definition

Self, Spouse, Up to 3 Dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents

Pre-insurance medical examination

No pre-insurance medical examination test is required, irrespective of the sum insured and age of the insured.

Coverages of Future Generali Future Vector Care - Mosquito Insurance

Lump Sum Benefit Lump-sum payment of 100% will be made if the policyholder gets hospitalized due to any of the following conditions:
  • Malaria
  • Dengue
  • Lymphatic Filariasis
  • Kala-azar
  • Japanese Encephalitis
  • Chikungunya
  • Zika Virus
Other features Long-term discount up to 7.5% applicable in case of upfront premium payment for long term policy
Loading on Claim experience There will be no loading on premium for adverse claims experience
Free look period If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
Restoration of Sum Insured If any of the listed conditions occur, 100% of sum insured shall be paid (subject to other terms and conditions mentioned in the policy document) and the sum insured shall be exhausted. Policy shall be reinstated automatically by deduction of pro-rata premium from the payable claim amount for the remaining duration of the policy year.
30 days for Renewal From the expiry date of the policy, you get 30 days grace period for renewal

Exclusions of Future Generali Future Vector Care - Mosquito Insurance

  • Waiting Periods
    • 15 days waiting period: We are not liable for any claim arising for listed illness diagnosed or diagnosable within 15 days from policy inception of Your first Policy with Us.
    • Special Conditions: The initial waiting period of 15 days will be increased to 60 days, if the insured is suffering or has suffered within 60 days prior to the date of proposal, from any one of the listed condition except Lymphatic Filariasis at the time of taking the policy.
    • In case, if the insured is suffering or has suffered within 60 days prior to the date of proposal, from Lymphatic Filariasis at the time of taking the policy, Lymphatic Filariasis will be excluded from the policy and the other listed conditions shall have an initial waiting period increased to 60 days.
  • Standard Exclusions: We will not pay for any expenses incurred by You in respect of claims arising out of or howsoever related to any of the following:
    • Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy.
    • Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/treatment within the waiting period.
    • Any treatment taken on Outpatient basis.
    • Hospitalisation primarily for any purpose which in routine could have been carried out on an out-patient basis and which is not followed by an active treatment or intervention during the period of hospitalization.
    • Experimental or unproven procedures or treatments, devices or pharmacological regimens of any description (not recognized by Indian Medical Council) or hospitalization for treatment under any system other than allopathy.
    • Convalescence, rest cure, sanatorium treatment, rehabilitation measures, respite care, long term nursing care or custodial care and general debility or exhaustion.
    • The insured has delayed medical treatment. Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries/ cities: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, USA, and countries of the European Union. The company may review the above list of accepted foreign countries from time to time. Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise, and duly authenticated.
    • Treatment in any hospital or any other provider network that We have blacklisted by the company
Disclaimer "For the detailed list of exclusions under the policy, kindly refer to the same provided in your policy kit”

Future Generali Health Insurance FAQ’s

If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims incurred and paid during the Policy Year or incurred during the Policy Year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year, provided that:
  • The Restore Sum Insured will be enforceable only after the Sum Insured and the Cumulative Bonus have been completely exhausted in that Policy Year;
  • The Restore Sum Insured can only be used for claims made by the Insured Person in respect of Benefits 1-4 (refer policy wordings).
  • The Restore Sum Insured cannot be used for claims based on Maternity Expenses/Treatment;
  • The Restore Sum Insured can be used for only future claims made by the Insured Person and not against any claim for an Illness (including its complications) for which a claim has been paid in the current Policy Year under Benefits 1-4(refer policy wordings).
  • Only the Sum Insured (excluding Cumulative Bonus) will be considered as Restore Sum Insured;
  • The Restore Sum Insured will only be applied once for the Insured Person during a Policy Year;
  • If the Restore Sum Insured is not utilised in a Policy Year, it shall not be carried forward to any subsequent Policy Year.
  • If the Policy is opted by You on a ‘Family Floater’ basis as specified in the Schedule, then the Restore Sum Insured will only be available in respect of claims made by those Insured Persons who were Insured Persons under the Policy before the Sum Insured and Cumulative Bonus was exhausted.
The PPC details are as per the table below :
Plans Vital Superior Premiere
Age Band Upto 50 years Above 50 years From 18 years to 50 years Above 50 years From 18 years to 50 years Above 50 years
Medical tests Not Required Required Required Required Required Required

Proposals with health declarations may also be advised Pre policy medical examinations irrespective of age. Pre policy tests need to be done in the empanelled diagnostic centers only. The test would be valid for a period of one month from the date the tests have been conducted.

A deductible is a cost-sharing requirement. It states that the insurer will not be liable for a specified amount in case of indemnity policies. This is applicable for a specified number of days/hours in case of hospital cash policies which apply before any benefits are payable by the insurer. Remember that a deductible does not reduce your sum insured.

The following details are to be provided to the company at the time of intimation of claim:
  • Policy number
  • Name of the policyholder
  • Name of the insured person in whose relation the claim is being lodged
  • Nature of illness / injury
  • Name and address of the attending medical practitioner and hospital
  • Date of admission
  • Any other information as requested by us

Brochure

Review Future Generali Future Vector Care - Mosquito Insurance brochure to understand coverage details.

Know more »

Proposal form

Fill the online Future Generali Future Vector Care - Mosquito Insurance proposal form.


Know more »

Policy wordings

Review Future Generali Future Vector Care - Mosquito Insurance policy wordings which explains the terms and conditions.

Know more »

Get quotes for Future Generali health insurance!

Review and compare the best health insurance.
Compare health insurance quotes
Find the best Future Generali health insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

Future Generali health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Network hospitals

Future Generali Network hospitals list. Cashless & Hassle-free direct claim settlement with us at 5,100+ Hospitals

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison


Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Portability

Portability Information for Mediclaim Insurance in India.


Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions


Know more »

Search Future Generali health insurance

Keep in touch

  • Address

    InstantCover Insurance Web Aggregator Private limited
    710, 6th B Cross, 16th Main Road, Koramangala 3rd Block, Bangalore - 560 034.

  • +91-(80)-41101026
  • Send an email
CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2022
-

ONLINE CHAT