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Future Generali Health Insurance

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  • Future Generali Health insurance products

    Health Total Insurance Plan
    Health Total is a Comprehensive Retail Health Product with wider and long term coverage.
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    Hospital Cash Insurance Plan
    Future Hospicash is a cover that provides cash benefit in case of hospitalisation to avoid eating one’s savings.
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    • Eligibility
    • Features
    • Benefits
    • Exclusions


    • Eligibility period - 90 days to 70 years
    • Policy can be purchased by minimum 2 adults
    • Life long renewal.
    • Above 45 years customers should get medical check up done.
    • For those within 45 years, the value of sum insured accepted will be up to 10 lakhs without medical tests. Subject to claim proposal.
    • For person above 55 years maximum sum insured will be Rs 5 lacs.


    • Room, Board & Nursing Expenses as provided by the hospital/nursing home including registration and service charges
    • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
    • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis/internal implants and any medical expenses incurred which is integral part of the operation
    • Pre-hospitalisation expenses - We shall pay for expenses incurred 60 days prior to date of admission into the hospital.
    • Post-hospitalisation expenses - We shall pay for expenses incurred 90 days after the date of discharge from the hospital.
    • Day Care Expenses - We shall pay for Day Care expenses incurred on advanced technological surgeries and procedures requiring less than 24 hours of hospitalisation as per the attached day care list.
    • Ambulance charges - up to a maximum of Rs. 1500 per hospitalisation will be reimbursed to You on producing the bills in original.
    • Free medical check-up - At the end of every continuous period of 4 years during which You/Your family have held Our Health Suraksha policy without making a claim You/ Your family may apply to Us for a free medical check-up (Physician Consultation, ECG, Complete Blood Count, Urine Routine, Fasting blood Sugar, Post Prandial Blood Sugar, Lipid Profile, Sr. Creatinine, SGOT, SGPT, GGTP) at our Diagnostic Centre the location of which We will specify at the time of Your application. For the avoidance of doubt, We shall not be liable for any other ancillary or peripheral costs or expenses (including but not limited to those for transportation, accommodation or sustenance). The above benefit would be available for any two of the insured family members.


    • With Health Suraksha, the member has access to cashless facility at our empanelled hospitals across India.
    • Pre and Post hospitalization expenses incurred from 60 days prior up to 90 days after hospitalization.
    • 130 Day-care procedures.
    • Hospital cash benefit for platinum plan.
    • Pre-existing disease covered after four years of consecutive renewal.
    • Free Medical check-up in our empanelled diagnostic centres after every four claim free years.
    • Patient care expenses up to maximum of Rs 350 per day forpersons above 60 years.
    • Accompanying person expenses up to Rs 500 per day.
    • Additional accidental hospitalization limit enhanceed by 25% of balance sum insured, subject to a maximum of Rs.1 lakh.
    • Grace period of 30days from date of exipry of renewal.
    • Please note that Rs 50,000 sum insured would be available for dependent children only.
    • Loading of maximum 50% would be applicable for adverse claims experience.
    • Porting of similar health policy to Future Health Suraksha as per portability guidelines.


    • Any condition, ailment, injury or related condition(s) for which you have been diagnosed, recieved medical treatment, had signs and / or symptoms, prior to the inception of your first policy until 48 months from the date of inception.
    • Any disease contracted during the first 30 days from the commencement of the policy.
    • Disease like cataract, hernia and tumour shall be covered after a waiting period of two years.
    • Diseases/surgeries like gallstones; renal stones shall be covered after a waiting period of one year.
    • Non-allopathic treatment.
    • Congential diseases.
    • All expenses related to AIDS and related diseases.
    • Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident.
    • Use of intoxicating drugs or alcohol.

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    • Address
    • InstantCover Insurance Web Aggregator Private limited
      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