Future Generali Future Aarogya Bima

Future Generali Future Aarogya Bima policy is a beneficial and affordable health policy that will cover your entire family and give them access to quality healthcare. It provides a cashless facility and covers significant expenses that ensure that treatment happens in a hassle-free manner. Most importantly, their significant coverage ensures that you don't need to dip into your savings to fund a medical emergency.

Read More

Get insured from the comfort of your home No medicals required

Tell us about you

Future Generali Future Aarogya Bima

Get insured from the comfort of your home No medicals required
I am a

My name is

My number is

By clicking on 'View Plans' you, agreed to our Privacy Policy and Terms of use
Close
Back
I am a

My name is

My number is

Select Age

City Living in

    Popular Cities

    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

    When did you recover from Covid-19?

    Some plans are available only after a certain time

    Future Generali Future Aarogya Bima: Key Highlights

    Type

    Individual/Floater basis

    Sum Insured

    Rs 2 lakh, 3 lakh, 5 lakh

    Plan Options

    3 types, based on Co-payment options

    Policy Tenure

    1 year

    Renewability

    Lifelong

    Coverage Offered

    This particular Future Generali Health Insurance promises to cover for a family member from Day 1 to 70 years after that till lifetime. The Sum Insured options are Rs 2 lakh, Rs 3 lakh, and Rs 5 lakh. There are three plan options available:

    • Plan A: Compulsory Co-payment of 10%
    • Plan B: Compulsory Co-payment of 10% and additional Co-payment of 20%
    • Plan C: Compulsory Co-payment of 10% and additional Co-payment of 30%

    The essential components that Future Generali Future Aarogya Bima Insurance Policy covers are as follows:

    • Inpatient Treatment: This includes room rent, nursing expenses, medicines, drugs, Operation Theater charges, X-Ray, diagnostic materials, fees of specialists, etc.
    • Other Expenses: Expenses incurred during day-care treatment, pre-hospitalization medical expenses (60 days), and post-hospitalization medical expenses (90 days) come under this category. Pre-and post-hospitalization are subject to 2% of the Sum Insured option.

    Inclusions of the Future Generali Future Aarogya Bima Health Insurance

    Alongside the basic coverage offered by Future Generali Future Aarogya Bima Health Insurance, the insured as certain additional benefits:

    • The health insurance doesn't require a pre-insurance medical examination if the insured in question is up to 50 years.
    • However, if the insured is 51 years and above, a pre-acceptance medical assessment is mandatory. Upon issuance of the policy, the insured will receive 50% reimbursement.
    • Pre and Post Hospitalisation Coverage is offered up to certain days.
    • The policy also offers coverage for day care treatment.
    • The policy comes with family savings options in case more than two members are covered.
    • A certain percentage of co-payment is applicable in every claim as per the plan variant chosen.

    Exclusions of the Policy

    The following heads of expenditure are not covered by the Future Generali Future Aarogya Bima Health Insurance:

    • Pre-existing diseases until 48 months from the date of the beginning
    • Any illnesses that happen during the first 30 days from the start of the policy (except accidental injuries.)
    • Surgeries like cataracts, tumors, gallstones, renal stones, and hernia will be covered only after a waiting period of 24 months.
    • STDs (except AIDS /HIV, which will be covered after 48 months).
    • Injury or illness due to alcohol or drug abuse
    • External congenital anomaly
    • Hormone replacement therapy or sex alteration treatments
    • Illness or injury resulting due to war, invasion, riots, unlawful activities, etc.

    For a detailed list of exclusions, please refer to the policy document.

    Future Generali Future Aarogya Bima Policy: Features and Benefits

    The Future Generali Future Aarogya Bima offers the insured several features:

    • Family floater benefit
    • Smooth portability options for the Future General Future Aarogya Bima Health Insurance
    • 15-day Free Look Period to cancel the policy.
    • Premium savings in the case of upfront premium payment for a long-term policy up to 10%.
    • When you opt for Future Generali Health Insurance, a premium paid by any mode receives tax relief as per Section 80-D of the Income Tax Act.
    • There is no premium loading even in case of adverse claim records.

    Eligibility Criteria

    The minimum eligibility criteria to buy this plan are:

    Maximum Entry Age

    18-70 years (entry age of proposer)

    Minimum Entry Age

    From birth-25 years (entry age of the child)

    Number of people covered

    Individual Floater: Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years), and 2 dependent parents.

    Family Floater: Self, Spouse, and Up to 3 dependent children (Unmarried and up to the age of 25 years).

    Residential Status

    Indian residents and citizens

    Cancellation of the Policy

    The Free Look Period gives the insured the option to review the coverage and terms and conditions. If he/she is not satisfied with the policy, it can be returned within 15 days of the receipt of the policy documents. Provided no claim has been made. The insurer will refund the premiums as per the rules stated in the policy wordings.

    FAQs

    Health insurance articles

    Recent Articles
    Popular Articles
    Star Health Insurance Launches Platinum Variants of Cancer Care & Cardiac Care Plans

    17 Sep 2021

    Star Health and Allied Insurance Company have recently launched...
    Health Insurance for Autoimmune Diseases in India

    16 Sep 2021

    Every human body comes with an immune system to fight against...
    Does Health Insurance Cover Multiple Sclerosis In India

    15 Sep 2021

    Due to a hectic lifestyle leading to unnecessary stress and...
    Critical Illness Insurance Policy For Stroke Patients In India

    14 Sep 2021

    Medical emergencies are unpredictable and it brings a lot of...
    Which Health Insurance to Buy for People below Poverty Line?

    09 Sep 2021

    Although the penetration of health insurance in India is quite...
    Best Health Insurance Plans in India 2021
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Top Maternity Insurance Plans
    Maternity or pregnancy is an important phase of life, and one needs to prepare in advance to embrace parenthood...
    Top Family Health Insurance Policies in India 2021
    From the air we breathe to the food we eat; everything is intentionally or unintentionally subjected to...
    Health Insurance Claims Ratio- Things You Should Look Before Buying Health Insurance
    There has always been a doubt in customers mind about whether the private company will keep its side of the bargain...
    Best Health Insurance Plans for Senior Citizens in 2021
    Considering the increasing percentage of medical inflation in India, it has become an absolute necessity to buy...

    Future Generali Future Aarogya Bima Reviews & Ratings

    0 / 5 (Based on 3 Reviews)
    (Showing Newest 3 reviews)
    Asha
    Hariyana, September 16, 2021
    Tax savings
    The term plan is beneficial to save the tax amount too. I have saved a lot of tax and got a rebate too under my plan. I am happy and it is a part of investment. I took the plan for the financial safety of me and my family. Thanks team for good plans.
    Arjun
    Punjab, September 16, 2021
    Time and money saving plans
    I have saved a lot of money when I bought the term insurane plan online. I visited the policybazaar and check the premium calculator page. From there I searched for various good plans. I saved a lot of money and time too. I would recommend the policy to my friends and also tell them to buy a plan from policybazaar.
    Ida
    Amritsar, September 16, 2021
    Customer experience team
    Great to know that the customer care team of Policybazaar is superb and friendly. I opted a term plan from policybazaar and found it the best one. I was facing the issue related to name spelling and connected to policybazaar. The team immediately worked into my case and it was resolved. Thank you so much team Policybazaar.
     
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL