Future Generali Future Health Surplus Plan

Future Health Surplus policy covers medical expenses incurred during hospitalization due to an accident or illness. The policy also covers the pre hospitalization and post hospitalization expenses which sometimes costs more than the hospitalization expenses.

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Future Generali Future Health Surplus 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
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    The insured person can avail benefits of this policy on individual basis or can add family members to the policy. Additional discounts are available if family members are included to the policy.

    Key Features

    • This Policy will cover hospitalization expenses in excess of the deductible per hospitalization incurred by insured but not exceeding the sum insured.
    • This product is available on Individual Sum Insured basis as well as Floater Sum Insured basis.
    • There is no Medical examination up to the age of 55 years subject to the proposal form having no adverse medical declarations.
    • Pre-policy checkup if advised has to be done in the empanelled diagnostic center of the company. 50% cost of the diagnostic tests charges would be reimbursed for accepted cases.

    Benefits

    • It covers hospitalization expenses in excess of the deductible per hospitalization incurred by the policyholder. However, it should not exceed the sum insured during the period stated in the Policy Schedule.
    • Expenses incurred for in-patient hospitalization (minimum period of 24 hours) are covered. It comprises of room, Board & Nursing Expenses as provided by the hospital/nursing home.
    • Expenses for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees, Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis / internal implants and any medical expenses incurred which is also a part of the operation.
    • Pre–hospitalization expenses incurred within 60 days prior to Hospitalization on illness / injury sustained.
    • Post–hospitalization expenses incurred within 90 days after the date of discharge from the hospital.

    Details about Premium

    Annual premium in Rupees exclusive of taxes

     

    Sum Insured/ Age

    3 Lakhs

    5 Lakhs

    5 Lakhs

    7 Lakhs

    10 Lakhs

    Deductible

    2 lakhs

    2 lakhs

    3 lakhs

    3 lakhs

    5 lakhs

    3 months- 17 years

    1008

    1430

    1414

    1885

    2172

    18-35 years

    1248

    1596

    1514

    2207

    2530

    36-45 years

    1759

    2477

    2386

    3450

    3909

    46-55 years

    2912

    3905

    3810

    4680

    5427

    56-65 years

    4596

    5977

    5733

    6772

    7738

    66-70 years

    7888

    9555

    9430

    11325

    14308

    71-75 years

    10944

    12777

    12044

    14611

    18278

    76-80 years

    15777

    16711

    15777

    19044

    24178

    81-85 years

    18144

    19217

    18144

    21901

    27804

    86-90 years

    16329

    17296

    16330

    19711

    25024

    91 years and above

    1377

    1761

    1670

    2207

    2790

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

    Policy Details

    Sum Insured: 3 Lakhs to 10 Lakhs

    Coverage type: Individual/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 as per the following table-

    Period on risk

    Rate of premium refunded

    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 Floater Discounts

    Age

    Floater Discount

    3 months- 17 years

    60%

    18-35 years

    55%

    36-45 years

    50%

    46-55 years

    45%

    56-65 years

    40%

    66-70 years

    35%

    71-75 years

    30%

    76-80 years

    25%

    81-85 years

    20%

    86-90 years

    20%

    91 years & above

    20%

    Exclusions

    • Any condition, ailment, injury or related condition for which the insured has been diagnosed, received medical treatment or had signs or symptoms, prior to the inception of the first policy until 48 months have elapsed.
    • Any disease contracted during the first 30 days from the commencement of the policy.
    • Costs incurred on all methods of treatment including alternative treatments other than Allopathy.
    • Doctor’s home visit charges during pre and post hospitalization period.
    • Treatment for any mental illness or psychiatric illness.
    • Personal comfort and convenience items or services such as television, telephone, barber or beauty service guest service and similar incidental services and supplies.
    • All expenses related to AIDS and related diseases are excluded.
    • Dental treatment or surgery of any kind unless requiring hospitalisation as a result of accidental Bodily injury is needed.

    Documents Required

    • A duly filled claim form signed by 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, like 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.
    • Record of previous treatments along with reports.
    • MLC/ FIR copy/ certificate regarding abuse of alcohol/intoxicating agent, in case of Accidental injury.

    Eligibility

    • Age of entry: 3 Months – 65 years.
    • Children from 3 Months - 5 years can be covered if both the parents are insured.
    • Children from 6 years to 18 years can be covered if either of the parents is covered.
    • Children from 18 years to 25 years can be covered as self-proposer or as dependents.

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