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.


    • 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


    2 lakhs

    2 lakhs

    3 lakhs

    3 lakhs

    5 lakhs

    3 months- 17 years






    18-35 years






    36-45 years






    46-55 years






    56-65 years






    66-70 years






    71-75 years






    76-80 years






    81-85 years






    86-90 years






    91 years and above






    *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



    Free look period: 15 days

    Additional features or riders

    • Discounts:
        • Family Floater Discounts


    Floater Discount

    3 months- 17 years


    18-35 years


    36-45 years


    46-55 years


    56-65 years


    66-70 years


    71-75 years


    76-80 years


    81-85 years


    86-90 years


    91 years & above



    • 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.


    • 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.

    Future Generali Future Health Surplus Plan Reviews & Ratings

    / 5 (Based on 7 Reviews)
    (Showing Newest 7 reviews)
    Punjab, August 02, 2021
    Inexpensive term plan
    My friend is 30 year old and I am 25 years old and noticed a difference in our term plan price. I visited Policybazaar and read some blogs there. I found out that term plans are cheaper if you buy at young age. I am glad to buy this plan at the right time.
    Chail, August 02, 2021
    Tax savings
    I recently bought a term insurance policy from the website of Policybazaar. My plan has amazing features and some additional benefits due to an addon. The best part is I can also enjoy a tax rebate. I am so glad to buy this plan.
    Niwari, August 02, 2021
    Purchased Online
    My friend asked me to buy a term insurance plan online as it is cheaper and more convenient. I visited the website of Policybazaar and bought a term policy which offers great benefits at cheap rates. My online experience has been great. Thank you team.
    Modinagar, August 02, 2021
    Protection against COVID
    The pandemic had me worrying about the future of my family in my absence. I have been searching for a pure insurance policy to safeguard my family against any eventuality. With the help of Policybazaar now I my family is secure as a bought a specialized term plan made to help family of the policyholder.
    Meerut, August 02, 2021
    Best customer service
    I did not understand much about insurance but I knew one thing that I needed to secure the future of my family. I took help from the team of Policybazaar and they suggested me what would be best for me. I am happy with my plan. Thank you so much team.
    Palwal, August 02, 2021
    Huge coverage
    I recently bought a term plan from the website of Policybazaar and I am happy with the product. I got a higher coverage term plan with additional benefits and at cost effective price. Now I am worry free for the future security of my family in my absence. Thanks.
    Gurgaon, August 02, 2021
    Quick to buy
    My friend suggested me to buy a term insurance plan online. I visited the website of Policybazaar and it took me about half an hour or maybe less to buy the plan online. The experience was smooth and I am happy with my plan. Kudos team.

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