Future Generali Arogya Sanjeevani Policy

(53 Reviews)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

*Tax benefit is subject to changes in tax laws. Standard T&C Apply

Get insured from the comfort of your home
Get insured from the comfort of your home
  • 1
  • 2
  • 3
  • 4

Who would you like to insure?

  • Previous step
    By clicking on “Continue”, you agree to our Privacy Policy and Terms of use
    Previous step

      Popular Cities

      Previous step
      Previous step

      Do you have an existing illness or medical history?

      This helps us find plans that cover your condition and avoid claim rejection

      Get updates on WhatsApp

      What is your existing illness?

      Select all that apply

      Previous step

      When did you recover from Covid-19?

      Some plans are available only after a certain time

      Previous step
      Advantages of
      entering a valid number
      You save time, money and effort,
      Our experts will help you choose the right plan in less than 20 minutes & save you upto 80% on your premium

      Future Generali Arogya Sanjeevani Policy

      Arogya Sanjeevani policy by Future Generali General Insurance Company is a standard insurance product as per the guidelines laid down by the Insurance Regulatory and Development Authority of India. The sum insured, eligibility criteria, and coverage benefits of this plan are given below.

      Read More

      Future Generali Arogya Sanjeevani Policy- Eligibility Criteria, Coverage Benefits, and Claims

      The Arogya Sanjeevani health scheme covers modern treatment expenses and all the day-care procedures. Moreover, health insurance coverage is available on a family floater and individual basis. Arogya Sanjeevani policy is suitable for those who are looking for a cost-effective health plan during the COVID-19 pandemic.

      Eligibility Criteria



      Sum Insured

      Rs 50,000 to Rs 10 lakh

      Entry Age Criteria

      18-65 years

      Dependent Children

      3 months-25 years



      Coverage Type

      Individual/Family Floater

      Cumulative Bonus


      Key Features of Future Generali Arogya Sanjeevani Policy

      Future Generali Arogya Sanjeevani policy offers the following features and benefits to the insured:

      • Wide Age Group- Anyone between the age group of 18-65 years can purchase this policy
      • Coverage Type- The coverage can range from individual and family floater cover
      • Installment Premium - The premium can also be paid in monthly, quarterly, and semi-annually installments
      • Flexible Sum Insured Option- The coverage amount ranges from Rs 1 lakh to Rs 5 lakh
      • Lifetime renewal- Future Generali Arogya Sanjeevani policy can be renewed lifetime
      • Pre-medical Screening- Pre-medical screening is not required up to the age of 56 years
      • Tax-Benefits- Tax benefits under the Section 80D are provided on the premium paid

      Inclusions of Future Generali Arogya Sanjeevani Policy

      Future Generali Arogya Sanjeevani policy covers the following expenses during the policy term:

      • Hospitalization Cover- The treatment charges, doctor fees,cost of medicines are covered as well.
      • Hospital Room Rent-Room rent, boarding, and nursing charges compensation limit under this policy is maximum of Rs 5000 or 2% of your policy amount
      • Cataract Surgery Expenses- The limit is Rs. 40,000 to 25% of the sum insured
      • ICU/ICCU Expense Cover- The coverage limit is Rs 10,000 or 5% of the sum insured
      • Ayush Expense Cover- In-patient hospitalization expenses incurred on Homeopathy, Ayurveda, Unani, Siddha, Yoga, and Naturopathy treatment are compensated
      • Modern Treatment Cover-  For new-age modern treatments listed in the policy wordings the coverage limit is up to 50% of the insurance amount
      • Daycare Procedures- The policy covers all the daycare procedures during the policy duration

      Exclusions of Future Generali Arogya Sanjeevani Policy

      Future Generali Arogya Sanjeevani policy does not cover the following expenses:

      • Any medical condition for which the treatment has been received within 48 months from the policy inception date
      • Changes in gender treatments
      • Plastic of cosmetic surgeries
      • Any illness contracted in the initial 30 days from the policy commencement
      • Hospitalization required for medical investigation and evaluation purpose
      • Rehabilitation, rest cure, and respite care related hospitalization expenses
      • Obesity Treatments
      • Medical expenses related to adventure sports and hazardous activities

      How to file Health Insurance Claim for Future Generali Arogya Sanjeevani Policy?

      For emergency hospitalization the insured need to inform the Future Generali General Insurance Company within 24-hours and planned hospitalization within 48-hours. However, the process to claim reimbursement of expenses and cashless hospitalization is given below:

      Reimbursement Claims:

      For claim reimbursement you can adhere to the following timelines:

      • While filing a claim for pre-hospitalization reimbursement you can claim within 30-days of hospital discharge
      • While filing a claim for post-hospitalization reimbursement you can claim within 15-days of

      availing the hospital treatment

      Cashless Claims:

      • For those how have availed treatment in a network hospital a cashless claim can be filed
      • Firstly, fill the Future Generali cashless claim form, which is available at the TPA at the network hospital
      • This claim form is shared with the TPA/ Insurance Company for authorization. Once it is verified, a pre-authorization letter is sent to the hospital by the TPA
      • The next step is to sign and cross-check your hospital discharge papers
      • Submit all the required documents like your ID proof, medical bills, diagnostic reports, NEFT details as required
      • If your cashless claim is denied due to some reason then you can file for reimbursement of your hospital expenses

      To know more about Future Generali Arogya Sanjeevani policy you can write to us at care@policybazaar.com or speak to us at 1800-708-8787.


      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      Health insurance articles

      Recent Articles
      Popular Articles
      Difference Between Riders and Add-on Covers in Health Insurance

      06 Jun 2023

      A standard health insurance policy is often not enough to cover
      Read more
      Inpatient vs Outpatient Hospitalization

      02 May 2023

      Health insurance plans often talk about two types of
      Read more
      Difference Between Individual Health Insurance and Group Health Insurance

      06 Apr 2023

      Buying health insurance has become one of our top priorities
      Read more
      Does Health Insurance Cover H3N2 Virus?

      20 Mar 2023

      The seasonal H3N2 virus is rapidly spreading across India. As per
      Read more
      Common Wellness Benefits Offered by Health Insurance Plans

      14 Feb 2023

      Health is the biggest wealth in the true sense. No matter how much
      Read more
      10 Major Benefits of Ayushman Bharat Yojana
      Pradhan Mantri Jan Arogya Yojana (PM-JAY) is the second component under Ayushman Bharat Scheme. PM Narendra Modi
      Read more
      How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
      Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal
      Read more
      Does Health Insurance Provide Coverage for LASIK Eye Surgery?
      A vast majority of the Indian population is suffering from vision problems. For some of them, LASIK eye surgery is
      Read more
      Best Health Insurance Plans for Senior Citizens in 2023
      Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance
      Read more
      Waiting Period in Health Insurance
      The waiting period in health insurance refers to the duration before which certain diseases will not be covered by
      Read more

      Download the Policybazaar app
      to manage all your insurance needs.