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.

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Future Generali Arogya Sanjeevani Policy

*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

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    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.


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