Future Generali Future Health Suraksha plan

Future Generali Future Health Suraksha Policy benefits

• Sum insured available in the Future Generali Future Health Suraksha policy are as below:

  	Gold Plan	Platinum Plan	Topaz Plan	Ruby Plan
  Sum Insured options (in ₹)	50000, 1 Lac, 1.5 Lac, 2 Lac, 2.5 Lac, 3 Lac, 3.5 Lac, 4 Lac, 4.5 Lac, 5 Lac	6 Lac, 7.5 Lac, 8 Lac, 9 Lac, 10 Lac	1 Lac, 2 Lac, 3 Lac, 4 Lac, 5 Lac	6 Lac, 7.5 Lac, 10 Lac

  Policy Term

  • Minimum policy term - 1 year
  • Maximum policy term – 3 years

  Eligibility Entry Age

  • Adults: 18 years – 70 years with a lifetime renewal option.
  • Children: 90 days – 25 years.

  Pre-Acceptance Medical Tests

  • Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).
  • If any of the member is of the age up to 55 years with sum insured up to ₹3 lacs then no pre-acceptance medical test is required.
  • Insured is eligible for 100% 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

• Coverage description of Future Generali Future Health Suraksha policy

  • Inpatient Treatment
    • Room rent, board, nursing expenses for a minimum period of 24 hours.
    • 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
  • Ambulance Charges
    • For Gold or Platinum Plan – Up to 2000 per hospitalization
    • For Topaz or Ruby Plan – Up to ₹750/- per hospitalization and overall limit of ₹1500/- per policy period
  • Patient Care
    • For Gold or Platinum Plan – Up to ₹500/- per day for those over 60 years
    • For Topaz or Ruby Plan – Up to ₹350/- per day for those over 60 years
  • Accidental Hospitalisation
    • Limits can be enhanced by 25% of the sum insured on date up to maximum of ₹1 lakh.
  • Hospital Cash
    • Is available under Platinum or Ruby Plan
  • Accompanying Person
    • Up to ₹500 per day for child up to 10 years
  • Organ Donor Expenses
    • We will pay the Reasonable and Customary Charges incurred for an organ donor’s treatment for the harvesting of the organ donated.
  • Recharge Benefit
    • Recharge benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic 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 policy terms and conditions.
  • Cumulative Bonus
    • 10% for every claims free year to a maximum of 50% of the Sum Insured.
  • Other Features
    • Family discount will be applicable in case more than one family members are covered in the same policy in case of Individual Sum Insured option.
  • Loyalty discount
    • 2.5% loyalty discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd.
    • 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.
  • 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