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.

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Future Generali Future Aarogya Bima

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    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.

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