Future Generali Future Health Suraksha Insurance Plan

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

Read More

Future Generali Future Health Suraksha Insurance Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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

    Understanding the different needs of policy holders Future Health Suraksha provides four different plans which gives the facility of choosing the plan of your needs.

    Key Features of Future Generali Future Health Suraksha Insurance Policy:

    • 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 India Insurance Company Limited empanelled diagnostic centers only. The reports would be valid for a period of 30 days from the test date.
    • Provides In-house Cashless settlement.
    • Lifelong renewal of policy.

    Benefits of Future Generali Future Health Suraksha Insurance Plan:

    • Pre and post hospitalization expenses incurred from 60 days prior up to 90 days after hospitalization will be covered.
    • Ambulance charges up to Rs.1500 will be reimbursed.
    • Pre-existing disease will be covered after four years of consecutive renewal.
    • Free Medical check-up in the company’s empanelled diagnostic centers after every four claims free years.
    • Patient care expenses up to a maximum of Rs.350 per day for persons above 60 yrs.
    • 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 Future Health Suraksha Insurance Premium Details:

    Annual premium in Rupees exclusive of taxes

    Basic Plan

    Individual Premium

    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

    50000

    713

    NA

    NA

    NA

    NA

    NA

    NA

    NA

    NA

    NA

    NA

    1000000

    1258

    1491

    1747

    2547

    4143

    6627

    7437

    8143

    9364

    8429

    1331

    150000

    1547

    1755

    2193

    3419

    5640

    9022

    10064

    10872

    12503

    11253

    1567

    200000

    2067

    2312

    2877

    4121

    7074

    9713

    11307

    12215

    14047

    12643

    1959

    250000

    2356

    2590

    3069

    4608

    8116

    10194

    12060

    13029

    14984

    13485

    2195

    300000

    2847

    3194

    3795

    5592

    9564

    11864

    12915

    13966

    16060

    14454

    2852

    350000

    3046

    3380

    4068

    6122

    10200

    13757

    15538

    16787

    19305

    17374

    3018

    400000

    3336

    3813

    4599

    7035

    11136

    14755

    16959

    18323

    21071

    18964

    3316

    450000

    3609

    3928

    4864

    7493

    12073

    15326

    17164

    19001

    21851

    19666

    3507

    500000

    4758

    5186

    6428

    9035

    12398

    16144

    19347

    20901

    24036

    21633

    4630

                             

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

    Future Generali Future Health Suraksha Insurance Policy Details:

    Sum Insured: Maximum: 10 Lakhs

    • Maximum sum insured is 5 lacs for entry above age of 55 years.

    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: Individual

    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 in Future Generali Future Health Suraksha Insurance Policy:

    • Any condition, ailment, injury or related conditions for which the insured have been diagnosed, received medical treatment, had signs or symptoms, prior to the inception of the policy until 48 months from the date of inception.
    • Any disease contracted during the first 30 days from the commencement of the policy.
    • Non-allopathic treatments are not covered in the policy.
    • Congenital diseases. 
    • All expenses related to AIDS and related diseases.
    • Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident.

    Documents Required to File For a Claim

    • The claim form duly completed and signed for on behalf of the Insured Person.
    • 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.
    • All reports, including but not limited to, medical reports, case histories, investigation reports, treatment papers, discharge summaries.
    • A precise diagnosis of the treatment for which a claim is made.
    • 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

    • 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.

    Health insurance articles

    Recent Articles
    Popular Articles
    Monkeypox: Dos and Don’ts of the Disease That You Should Know

    15 Sep 2022

    Monkeypox has slowly and steadily spread to more than 85 countries...
    Read more
    Why is It Important to Disclose Pre-existing Diseases to Your Insurer?

    06 Sep 2022

    As we grow old, the chances of developing a disease or a medical...
    Read more
    Benefits of Multi-Year Health Insurance Plans

    25 Aug 2022

    Ever since COVID-19 entered our lives, health insurance has come...
    Read more
    Does Health Insurance Cover Monkeypox?

    25 Jul 2022

    Monkeypox is the latest disease to make its way to India while we...
    Read more
    List of Diseases Covered by Bajaj Allianz Health Insurance Plans

    05 Jul 2022

    Barely any person has remained unaffected due to rising health...
    Read more
    PMJAY Scheme: Ayushman Bharat Yojana Eligibility & Registration Online
    Prime Minister Shri Narendra Modi announced the launch of (PMJAY) Ayushman Bharat Yojana in his Independence...
    Read more
    Best Health Insurance Plans in India 2022
    Finding the best health insurance plan from so many different health insurance companies can get confusing for many...
    Read more
    How to Apply for Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (PM-JAY)?
    Ayushman Bharat Yojana is a flagship health insurance scheme launched by the Government of India to offer universal...
    Read more
    Best Maternity Insurance Plans
    Maternity insurance offers comprehensive coverage for medical expenses incurred during pregnancy, including the cost...
    Read more
    Best Health Insurance Plans for Senior Citizens in 2022
    Senior citizens are the most prone to diseases. Considering the medical inflation in India, buying health insurance...
    Read more

     
    top
    Close
    Download the Policybazaar app
    to manage all your insurance needs.
    INSTALL