Future Generali Health Suraksha Family Floater Plan: Buy & Renew Online

Future Generali Health Suraksha Family Floater Insurance

Future Health Suraksha has a network of hospitals across the nation that can handle any medical problem that arises. Innovative covers are offered through its different plans. The policy also provides and quick settlement of claims.

Family floater means the sum insured shall be floating over the insured members. Here the family means self, spouse and 2 dependent children.

Key Features of Future Health Suraksha Family Floater Insurance Plan:

The family floater is divided into 5 categories

2 Adults
2 Adults + 1 Child
2 Adults + 2 Children
1 Adult + 1 Child
1 Adult+ 2 Children

Each category consists of a Basic Plan, Silver Plan, Gold Plan and Platinum Plan.
Pre-acceptance medical tests are not required for all proposers up to the age of 45 years irrespective of the sums insured.
All pre-acceptance medical tests will have to be done in Future Generali empanelled diagnostic centers only.
In-house cashless settlement is provided.

Future Generali Health Suraksha Family Floater Insurance Policy Benefits:

With Health Suraksha, the member has access to cashless facility at the empanelled hospitals across India.
Pre and post hospitalization expenses incurred from 60 days prior up to 90 days after hospitalization.
Ambulance charges up to Rs.1500.
130 Day-care procedures.
Hospital cash benefit for Platinum Plan.
Pre-existing disease covered after four years of consecutive renewal.
Accompanying person expenses up to Rs.500 per day.
Additional accidental hospitalization limit enhanced by 25% of balance sum insured, subject to a maximum of Rs.1 lakh.
50000/- Sum Insured would be available for dependent children only.
Porting of similar health policy to Future Health Suraksha as per portability guidelines.

Future Generali Health Suraksha Family Floater Insurance Premium Details:

Annual premium in Rupees exclusive of taxes

Basic Plan	Two Adults
Sum Insured/ Age	90 days-25	26-35	36-45	46-55	56-65	66-70	71-75		76-80	81-85	86-90	Above 90 years
200000	3100	3467	4315	6181	10611	14569	16960	18322		21071	18964	2939
300000	4271	4791	5693	8388	14347	17796	19372	20948		24090	21681	4278
400000	5004	5720	6899	10553	16704	22133	25439	27484		31606	28446	4974
500000	7137	7779	9642	13553	18597	24216	29020	31352		36054	32449	6945

Gold Plan	Two Adults
Sum Insured/ Age	90 days-25	26-35	36-45	46-55	56-65	66-70	71-75		76-80	81-85	86-90	Above 90 years
200000	3717	4157	5174	7412	12722	17469	20335	21968		25264	22738	3523
300000	5121	5745	6825	10057	17202	21337	23227	25117		28884	25996	5129
400000	6000	6858	8272	12653	20029	26537	30502	32953		37896	34106	5964
500000	8557	9327	11561	16250	22297	29035	34795	37591		43229	38907	8328

*The above rates may vary. Please check the policy wordings for more details.

Policy Details

Sum Insured: Up to 10 Lakhs

In case of entry above 55 years- the maximum sum insured is 5 lakhs.

No Claim Bonus: Cumulative bonus of 10% on the basic sum insured will be provided up to a maximum of 50% of the sum insured.

Coverage type: Family Floater

Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

Renewal Policies: The policy if renewed continuously without any break will be renewed lifelong.

Policy termination: You may cancel this insurance by giving at least 15 days written notice, and if no claim has been made then premium will be refunded on short term rates for the unexpired Policy Period as per the rates detailed below.

Up to one month	75% of annual rate
Up to three months	50% of annual rate
Up to six months	25% of annual rate
Exceeding 6 months	Nil

Free look period: 30 days

Additional features or riders

Discounts:
Family discount of 10% is available in case more than one person is covered in the same policy.
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Exclusions

Any ailment, surgery or condition which has been diagnosed 48 months before the inception of the policy coverage.
Any ailment or disease which is contracted within 30 days of commencement of the policy.
Non-allopathic treatment
Congenital diseases
All expenses related to AIDS and related diseases.
Joint replacement surgery is covered after a waiting period of three years, unless it happens due to an accident.
Use of intoxicating drugs or alcohol

Documents Required For Future Generali Health Suraksha Family Floater Insurance Plan:

Original Bills (including but not limited to pharmacy purchase bill, consultation bill, and diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed.
Reports include all medical reports, case histories, investigation reports, treatment papers, discharge summaries.
A detailed list of the individual medical services and treatments provided and a unit price for each.
Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment. Prescriptions must be submitted with the corresponding Doctor’s invoice.
Previous treatment record along with reports.
MLC/ FIR copy/ certificate regarding abuse of alcohol/intoxicating agent, in case of Accidental injury.

Eligibility Criteria For Future Generali Health Suraksha Family Floater Insurance Plan:

Minimum Age- 90 days
Maximum Age- 70 years

Children above age of 90 days are eligible if either parent is getting insured under this policy.
Children will be covered as dependents’ up to 25 years of age.

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: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in

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