Future Generali Group Health Insurance Plan

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Introduction/Overview

Future Generali’s Group Health Insurance assures you of a financially secured future against any medical expenses that you may incur. It’s a comprehensive plan that offers you a decent monetary support to overcome the expenses sustained after suffering from critical illness & accidents, with value added services for you and your loved ones.

This policy also offers cashless facility, ensuring a hassle-free direct settlement of the bills with the hospital.

Key Features

  • Related expenses during pre and post hospitalization period up to 30 days and 60 days respectively.
  • Maternity Benefit can be availed in case of additional premium paid.
  • For treatments like Dialysis, Chemotherapy, Radio therapy, Eye Surgery, Dental Surgery, Lithotripsy (Kidney stone removal) with less than 24 hours of hospitalization is covered under the plan.

Benefits

Group Health Insurance of Future Generali covers the following expenses:  

  • Room and boarding expenses
  • Nursing expenses
  • Fees for the surgeon, anesthetist, medical practitioner and consultant
  • Fees for specialists
  • Charges for anesthesia, blood, oxygen and the operation theatre
  • Charges for surgical appliances, medicines and diagnostic materials and
  • Charges for X-rays, dialysis, chemotherapy, medicines.

Details about Premium: The premium payable under this policy shall be paid in advance. No receipt for premium shall be valid except on the official form of the Company signed by a duly authorized official of the Company. 

Policy Details

Coverage type: Group

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

Renewal Policies: Lifelong Renewal.

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.

 

Period on Risk

Rate of Premium

Up to one month

1/4th of annual rate

Up to three months

1/2 of annual rate

Up to six months

3/4th of annual rate

Exceeding 6 months

Full annual rate

 

Free look period: The insured will be allowed a period of at least 15 days from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable.

Exclusions

  • Pre-existing diseases will be covered after a waiting period of 48 months.
  • Waiting period of 24 months for certain diseases like benign prostatic hypertrophy, hernia of all types, hydrocele etc.
  • Hospitalization for cosmetic treatments, plastic surgery, refractive error corrective procedures, experimental, investigational or unproven procedures or treatments.
  • Hospitalization for General debility, ‘Run-down’ condition or rest cure, sexually transmitted disease, intentional self-injury.
  • Hospitalization for Pregnancy and fertility related treatments.
  • Non-Allopathic Treatment / Hospitalization.
  • Hospitalization for any mental illness or psychiatric illness.
  • Any hospitalization outside India.

Documents Required

  • Claim form
  • Original discharge summary
  • Original set of investigation reports
  • Original bills and receipts
  • Pharmacy bills in original with prescriptions

Eligibility

  • Minimum Entry Age- 90 days (as a dependent child)
  • Maximum Entry Age- 80 years