Future Health Surplus insurance

Future Generali Future Health Surplus benefits

• Plan options of Future Health Surplus

  • Available on Individual & Family floater basis.
  • Family Floater option can cover family members which include Self, Spouse and 2 dependant children upto 25 years

  Eligibility of Future Health Surplus - Entry Age

  • Adults: 18 years to 65 years with a lifetime renewal option.
  • Children: 3 months to 25 years can be covered if parent(s) are concurrently insured with Future Generali.

  Maximum Sum Insured

  The sum insured options are as per the table below:
  

  Sum Insured (₹ INR)	Deductible per hospitalisation (₹ INR)
  3,00,000	2,00,000
  5,00,000	2,00,000-3,00,000
  7,00,000	3,00,000
  10,00,000	5,00,000

• Coverages of Future Generali Future Health Surplus

  • Inpatient Treatment
    • Room, board and nursing expenses for a minimum period of 24 hours.
    • Other Inpatient Expenses: Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc
  • Pre-Acceptance Medical Tests
    • Age up to 55 years: Medical tests waived subject to no adverse health declaration on the proposal form.
    • Over 55 years: Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.
    • Medical Report Validity: 30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

  • Exclusions of Future Generali Future Health Surplus

    • Waiting Periods: All Illnesses and treatments shall be covered subject to the waiting periods specified below:
      • Pre-Existing Disease - Expenses related to the treatment of a pre-existing Disease (PED) and its direct complications shall be excluded until the expiry of 48 months of continuous coverage after the date of inception of the first policy with us.
      • Specified disease/procedure waiting period- Expenses related to the treatment of the listed Conditions, surgeries/treatments shall be excluded until the expiry of 36 months of continuous coverage
      • Mandatory Waiting Period: Expenses related to the treatment of any illness within 30 days from the first policy commencement date shall be excluded except claims
    • Any diagnostic expenses which are not related or not incidental to the current diagnosis and treatment are excluded.
    • Rest Cure, rehabilitation and respite care
    • Obesity/ Weight Control: Expenses related to the surgical treatment of obesity that does not fulfil specific conditions
    • Change-of-Gender treatments
    • Cosmetic or Plastic Surgery: Expenses for cosmetic or plastic surgery or any treatment to change appearance unless for reconstruction following an Accident, Burn(s) orCancer or as part of medically necessary treatment to remove a direct and immediate health risk to the insured. For this to be considered amedically necessity, it must be certified by the attending Medical Practitioner.
    • Hazardous or Adventure sports: Expenses related to any treatment necessitated due to participation as a professional in hazardous or adventure sports, including but notlimited to, para-jumping, rock climbing, mountaineering, rafting, motor racing, horse racing or scuba diving, hand gliding, sky diving, deep-seadiving
    • Breach of law: Code- Expenses for treatment directly arising from or consequent upon any Insured Person committing or attempting to commit a breach of law withcriminal intent.
    • Treatment for, Alcoholism, drug or substance abuse or any addictive condition and consequences thereof.
    • Dietary supplements and substances which are available naturally and that can be purchased without prescription, including but not limited toVitamins, minerals and organic substances unless prescribed by a medical practitioner as part of hospitalisation claim or day careprocedures.
    • Unproven Treatments: Code- Expenses related to any unproven treatment, services and supplies for or in connection with any treatment. Unproven treatments aretreatments, procedures or supplies that lack significant medical documentation to support their effectiveness.
    • Birth control, Sterility and Infertility
    • Injury or Disease 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).
    • Circumcision, unless necessary for treatment of a disease, not excluded hereunder or as may be necessitated due to an accident.
    • Vaccination (except as post-bite treatment) inoculation
    • Dental treatment or surgery of any kind unless requiring hospitalisation as a result of accidental Bodily injury.
    • Venereal /Sexually Transmitted disease other than HIV/AIDS, intentional self-Injury.
    • Congenital external illness/ disease/ defect anomaly.
    • Injury or Disease directly or indirectly caused by or contributed to by nuclear weapons/ materials.
    • Costs incurred on all methods of treatment including Alternative treatments/ AYUSH treatment other than Allopathy.

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