Future Generali Health Suraksha Family Floater Insurance

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      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.

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      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: 15 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.
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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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