Future Generali Health Total Mediclaim Policy

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      Future Generali Health Total Mediclaim Policy

      Health Total is a Comprehensive insurance plan with long-term benefits and wider coverage options. The plan comes in 3 different variants: Vital, Superior and Premiere. All the variants come in individual and family floater options with lifetime renewability option.

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      Future Generali Health Total Mediclaim Plan Variants

      • Vital Plan - This plan variant can include self, spouse, and their dependent children (who are unmarried and are below 25 years of age) and dependent parents.  
      • Superior and Premiere Plan Variant - This plan variant offers coverage to self, spouse, dependent children (who are unmarried and are below 25 years of age)/non - dependent children, dependent siblings, dependent or non-dependent parents, grandparents, son in law, daughter in law, parents in law, and grandchildren (maximum up to 15 members).

      Sum Insured (in Rs.)

      • Vital Plan - 3,5 & 10 lakh
      • Superior Plan - 15, 20, & 25 lakh
      • Premiere Plan - 50 lakh to 1 crore

      Future Generali Health Total Mediclaim Policy Term

      • Minimum -1 Year
      • Maximum -3 Years

      Future Generali Health Total Mediclaim Policy Pre-medical Screening

      • Vital Plan: Medical tests required only for applicants who are above 50-years of age
      • Superior Plan: Medical tests required for 18 years onwards
      • Premiere Plan:  Medical tests required for 18 years onwards

      Key Features of Future Generali Health Total Mediclaim Policy

      10% of family discount is available in case there are more than one members covered in the same policy on the basis of individual sum insured.

      • Floater Discount: The premium for the primary insured will be the standard applicable premium. Floater discount is applicable for the dependent members as per their age.
      • Voluntary Deductible Discount: 10% to 25% discount on the premium on the basis of the plan and voluntary deductibles. 10% discount is applicable on the purchase of a long-term health insurance policy.
      • Installment Facility: Long term health insurance plans can be purchased on installment i.e. monthly, quarterly, and half yearly. Up to a maximum of 5% loading will be applicable on basic premiums on the basis of the opted installment frequency.
      • Copayment: If the age of the proposer/insured is above 60 years then co-payment is applicable on every single claim.
      • Tax Benefit: You can avail tax-saving benefits u/s 80D of the Income Tax Act on the premium that is paid by any other mode than cash

      Inclusions of Future Generali Health Total Mediclaim Policy

      Future Generali Health Total plan takes off the financial stress by offering compensation for the following medical expenses:

      • Hospitalization Expenses - In-patient charges, day care treatment expenses, organ donor expenses, pre-hospitalization charges, post-hospitalization expenses, and cost of the domiciliary treatment.
      • Reinstatement of the Sum Insured - If the cumulative bonus and sum insured are exhausted due to claims payable, then 100% sum insured will be restored automatically.
      • Maternity Expenses - Maternity expenses are covered after a waiting period of 2 years if both husband and wife are covered.
      • Accidental Hospitalization - in The event of an accidental hospitalization the sum insured is increased by 25% of the remaining Sum Insured up to a maximum of 10 lakhs.
      • Miscellaneous Expenses - It also covers expenses incurred on Patient Care, Ambulance, Accompanying Person Expenses, Alternative Treatments, E-opinion, and Wellness Care.
      • Emergency Medical Evacuation (only in Superior and Premiere Plan) - It reimburses medical evacuation expenses from the place of accident to other hospitals in India.
      • Reimburse Expenses - Compensation is provided for diagnostic tests, consultation charges, and prescribed medications as per the plan opted.
      • Out Patient Medical Expenses - It is only applicable for Superior Plan and Premiere Plan.
      • Child Vaccination Cover - The cost of vaccination for children below 12 years of age, only available in the premier plan.
      • New Born Baby - Newborn baby expenses are covered only in Superior and Premiere Plan.
      • Additional covers - You can opt for add-on covers such as Patient Care, Ambulance, Accompanying Person Expenses, Alternative Treatments, E-opinion, and Wellness Care.
      • Overseas Medical Treatment (for specific ailments) - It is only available in the Premiere Plan.
      • Cumulative Bonus - For every claim-free year there is a cumulative bonus ranging from 50 to 100%.

      Waiting Period in Future Generali Health Total Mediclaim Policy

      • For pre-existing illnesses such as hernia, cataract surgery, hemorrhoids, Fistulae, Hysterectomy, there is a waiting period of 24 months.
      • Any health ailment that has been diagnosed in the initial 30 days of purchasing the policy is not covered under this plan. Only accidental injuries shall be covered.
      • There is a waiting period of 48 months for Osteoporosis, age-related osteoarthritis, organ transplant, Gout, Rheumatoid Arthritis, Joint replacement, except for injury related cases.

      Exclusions of Future Generali Health Total Mediclaim Policy

      • External congenital anomalies and related illnesses
      • Non-prescribed medicines
      • Hormone replacement therapy
      • Sex change treatment and related disorders
      • Any health condition resulting due to overconsumption of alcohol and drugs
      • Any illness or injury directly or indirectly related to the war, the act of a foreign enemy, invasion, and war-related conditions

      Future Generali Medical Insurance Claim Procedure

      Depending on your case you can go for cashless treatment or opt for reimbursement of your medical expenses. The procedure for cashless and reimbursement claims is listed below:

      Future Generali Cashless Hospitalization Claim Procedure

      • Cashless medical treatments are only available at network hospitals
      • Before starting the treatment you need to showcase your health card at the hospital desk
      • The hospital will give you a properly filled pre-authorization request form
      • If you cashless treatment is approved Future Generali General Insurance will send an approval to you
      • Future Generali will directly settle all the hospital bills on your behalf
      • If your claim is rejected, then also you can continue with the treatment and pay the bills on your own.
      • Once discharged you can claim for reimbursement of your medical expenses

      Future Generali Medical Reimbursement Claim Procedure

      • You start with the treatment in a non-network hospital
      • You pay for all the hospitalization expenses
      • To get reimbursement of the expense incurred you need to submit the claim reimbursement form within the stipulated time frame
      • The claim will be approved once all the documents are submitted
      • The rejection and approval will be as per the terms and conditions mentioned in the policy wordings

      Documents Required for Future Generali Health Total Mediclaim Claims

      As a part of the claim procedure you need to submit the following documents:

      • Submit the duly filled and signed claim form along with Medical Certificate form to be stamped by the treating doctor
      • Doctor's consultation reports
      • The discharge summary from the concerned hospital (in original)
      • Hospitalization bills and receipts (in original)
      • Cash Memos with pharmaceutical bills along with a proper prescription
      • For accidental cases, you need investigation reports and Medico Legal Certificate (MLC)
      Policybazaar exclusive benefits
      • 30 minutes claim support*(In 120+ cities)
      • Relationship manager For every customer
      • 24*7 claims assistance In 30 mins. guaranteed*
      • Instant policy issuance No medical tests*
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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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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

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      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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