Future Generali Group Health Insurance Plan

Future Generali’s Group Health Insurance assures you of a financially secured future against any medical expenses that you may incur. It’s a comprehensive plan that offers you a decent monetary support to overcome the expenses sustained after suffering from critical illness & accidents, with value added services for you and your loved ones.

This policy also offers cashless facility, ensuring a hassle-free direct settlement of the bills with the hospital.

Key Features

Related expenses during pre and post hospitalization period up to 30 days and 60 days respectively.
Maternity Benefit can be availed in case of additional premium paid.
For treatments like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental Surgery, Lithotripsy (Kidney stone removal) with less than 24 hours of hospitalization is covered under the plan.

Benefits

Group Health Insurance of Future Generali Insurance covers the following expenses:

Room and boarding expenses
Nursing expenses
Fees for the surgeon, anesthetist, medical practitioner and consultant
Fees for specialists
Charges for anesthesia, blood, oxygen and the operation theatre
Charges for surgical appliances, medicines and diagnostic materials and
Charges for X-rays, dialysis, chemotherapy, medicines.

Details about Premium: The premium payable under this policy shall be paid in advance. No receipt for premium shall be valid except on the official form of the Company signed by a duly authorized official of the Company.

Policy Details

Coverage type: Group

Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

Renewal Policies: Lifelong Renewal.

Policy termination: You may cancel this insurance by giving at least 15 days written notice, and if no claim has been made then premium will be refunded on short term rates for the unexpired Policy Period as per the rates detailed below.

Period on Risk	Rate of Premium
Up to one month	1/4^th of annual rate
Up to three months	1/2 of annual rate
Up to six months	3/4^th of annual rate
Exceeding 6 months	Full annual rate

Free look period: The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.

Exclusions

Pre-existing diseases will be covered after a waiting period of 48 months.
Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.
Hospitalization for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.
Hospitalization for General debility, ‘Run-down’ condition or rest cure, sexually transmitted disease, intentional self-injury.
Hospitalization for Pregnancy and fertility related treatments.
Non-Allopathic Treatment / Hospitalization.
Hospitalization for any mental illness or psychiatric illness.
Any hospitalization outside India.