Why Should You Buy a Future Generali Health Insurance Plan? Here are all the answers

Future Generali General Insurance is one of the best health insurers in India that has been providing its policyholders with reliable and affordable health plans for years. The list of health insurance plans is quite vast, that comprises health plans for families, individuals, critical illnesses, coronavirus, and more.

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      If you too have been considering buying any of the Future Generali health insurance plans and don’t want to compromise on the quality of the treatment quality, read along to know why Future Generali health insurance plans would be worthwhile.

      However, here is the list of advantages of buying a Future Generali mediclaim policy-

      1. Quick turnaround time- Usually, the approval for cashless claims is given in 90 minutes. And if you submit all the documents in time then reimbursement claims are also settled within 14 working days

      2. Family discount-You can avail a family discount of 10 percent if more than one member is insured. 

      3. Grace Period-You don’t need to worry in case you forget to timely renew your medical insurance policy. Future Generali offers a grace period of 30 days from the policy expiry date.

      4. Portability- You can easily port out your previous policy and opt for a Future Generali medical insurance plan. 

      5. Free Look Period- There is a free-look period of 15 days. In case of dissatisfaction, you can cancel your policy and get a refund during this period. Provided you have not made any claim. 

      6. Free Medical Check-up Facility- Avail free health check-up facilities at their registered diagnostic centers after 4 consecutive claim-free years.

      Future Generali Criticare Plan is specially designed to cover 12 specified critical illnesses. The plan provides a lump sum benefit of Rs 1 lakh to Rs 50 lakh. 

      The 12 critical illnesses covered under the policy are:-

      • Cancer (Specified severity) 
      • First Heart Attack (Specified severity)
      • Coma (Specified severity) 
      • Bone marrow/major order transplantation
      • Kidney failure which requires regular dialysis
      • Total blindness
      • Liver failure
      • Primary pulmonary hypertension 
      • Surgery of aorta
      • Open chest bypass surgery (Coronary artery bypass graft)
      • Multiple sclerosis
      • Stroke leading to permanent symptoms

      Which plan should you buy for your family?

      You can buy Future Health Suraksha Family Plan to get insurance cover for your loved ones. Future Generali Health Suraksha Family Plan is sub-categories into three categories i.e. basic, silver and platinum according to the benefits provided. 

      The policy waives off the medical test up to the age of 45 years, provided the insured have a clean medical history. Above 45 years of age, medical tests are compulsory and 50% of the test charges are reimbursed to the insured. 

      After continues renewal of 4 policy years, the plan provides coverage for any pre-existing diseases.  Hospital cash benefit is only offered under the platinum plan. 

      What are the special features of Future Health Surplus Top-up Plan?

      You can use it as a top-up plan that covers hospitalization expenses incurred due to an illness/accident. Whether you have a mediclaim policy or not you can opt for this plan. Here are some of the special features of this plan-

      • The minimum entry age of the policy is 3months to 25 years if both the parents are covered under this plan.
      • The coverage amount limit is Rs 3 Lakh to Rs 10 Lakh
      • The maximum entry age to get enrolled is 65 years
      • There is no maximum age limit for policy renewal
      • Portability is allowed where the insured can switch to a similar plan within the same insurer

      What is the eligibility criterion to buy a Future Generali Criticare Plan?

      The criteria’s to buy a Future Generali Criticare Plan are listed below-

      • Entry Age-  6 years to 65 years
      • Policy Tenure - 1 year
      • Renewability- Lifelong
      • Premium Payable- It is paid in lump sum and depends on the chosen sum insured amount and the age of the policyholder
      • Illnesses Covered- Cancer, liver failure, kidney failure, organ transplant, CABG, Coma, Blindness,
      • Premium Loading- 10%-25% for renewals for individuals above 65 years 
      • Sum Insured: Rs 1Lakh to Rs 50 lakh

      What is the benefit of buying a Future Hospicash Insurance Plan?

      Future Generali Hospicash insurance plan provides a cash benefit to you in case of hospitalization. There are 4 variants of this plan –

      • Plan A- It offers hospitalization allowance of Rs 500 and ICU allowance up to Rs.1000 for 10 days.
      • Plan B- It offers hospitalization allowance of Rs 1000, ICU allowance of Rs 2000 for limited 10 days. 
      • Plan C- It offers hospitalization allowance of Rs 2,000, ICU allowance of Rs 4000 for limited 10 days.
      • Plan D- It offers hospitalization allowance of Rs 3000, ICU allowance of Rs 6000 for limited 10 days. 

      What Documents you need to submit for Future Generali Health Insurance Claims?

      Following documents are required a Future Generali medical insurance claim-

      • Claim form
      • Investigation reports such as MRI scan, blood and X-ray reports
      • Hospital ​receipts/bills/invoices from the hospital
      • Details of the treatment 
      • The discharge summary from the hospital
      • Doctor prescriptions
      • Chemist bills
      • Other documents ( if required)

      What if your policy expires, will you be able to renew it?

      The company offers a grace period of 30 days from the policy expiration date. During this period you can renew the policy with ease. 

      Can you avail cashless treatment if you buy a Future Generali mediclaim policy?

      Yes, you can avail cashless treatment at any more than 6000 hospitals across India. 

      Is there any free-look period?

      If you are not satisfied with your policy, you can cancel it during the 15 days free-look period. 

      To Conclude

      Buying health insurance during the time of COVID is a priority for almost everyone. And not only COVID the rising cases of lifestyle diseases is also a concern. And if you are adequately insured, it helps you avail the best treatment without worrying about the expenses.

      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

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