Future Generali Arogya Sanjeevani Policy

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      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- 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

      Criteria

      Specifications

      Sum Insured

      Rs 50,000 to Rs 10 lakh

      Entry Age Criteria

      18-65 years

      Dependent Children

      3 months-25 years

      Co-payment

      5%

      Coverage Type

      Individual/Family Floater

      Cumulative Bonus

      5%-50%

      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.

      FAQs

      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*
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      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.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      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.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker (Life & General)| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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