Future Generali Health Insurance Claim Settlement Ratio

The health claim settlement ratio of Future Generali India Insurance Company is 92% for the FY 2018-2019. The claim ratio is an indicator of how many claims the company settled successfully against the claims received. All the health insurance companies in India have claim ratios for every financial year that indicate their ability to settle health claims.

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Future Generali Health Insurance Claim Settlement Ratio

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

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    The percentage of claims settled under Future Generali health insurance plans is quite good and the insurer follows a simple and hassle-free claim settlement process. If you have a Future Generali health insurance policy then you can look at the process to file a claim as given below:

    Future Generali Health Insurance at a Glance:

    Key Features


    Network Hospitals


    Incurred Claim Ratio




    Waiting Period

    4 years

    Future Generali Health Insurance Claim Process

    If you want to register a claim with Future Generali Health Insurance, the process goes as follows:

    Claim intimation

    • Fill the Future General Health Insurance Claim form
    • Attach the Medical certificate issued by the Hospital along with your bank account details
    • Submit it at the nearest Future Generali India Insurance Company’s branch

    Claim Processing

    • The insurance company will appoint a claim specialist who will assess your claim request
    • If any further information is required the insurer will call you or intimate the same via letter or SMS

    Claim Decision

    • Once all the documents are received and verification is done, the insurer will give its final decision within 10 days and the same will be communicated to you
    • For a speedy payout of the claims the insurer settles the amount through direct credit to the claimant's account

    As per your preference, you can either file a cashless claim or a reimbursement claim and the process is described below-

    Cashless Claim Process of Future Generali Health Insurance

    • During the claim settlement process the insurer can undergo the treatment at any of the network hospitals
    • You need to show your Future Generali health card at the hospital desk
    • The hospital will send a pre-authorization request form to you
    • You can avail of cashless benefit once Future Generali India Insurance Company provides the approval to the hospital
    • Your hospital bills will be the settled directly settled by the insurance company
    • However, if the claim is not accepted you can pay the bills, an file for reimbursement after getting discharged from the hospital

    Reimbursement Claim Process of Future Generali Health Insurance

    • Pay the hospitalization expenses from your pocket
    • Now fill and submit the claim reimbursement after getting discharged from the hospital
    • Submit all the documents as required by the insurer
    • The approval and rejection will be based on the documents submitted

    Documents Required for Future Generali Health Insurance

    Keep the following documents handy when filing a claim for Future Generali Health Insurance plans:

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


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