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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.

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 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)
Written By: PolicyBazaar - Updated: 09 January 2020
Average Rating
(Based on 28 Reviews)
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Future Generali Health Total Mediclaim Policy Reviews & Ratings
4.5 / 5 (Based on 28 Reviews)
(Showing Newest 15 reviews)
Yamanpreet
Meerut, October 21, 2016
Stay Healthy with insurance policy
I have a health insurance policy which is a very good in services and rewards. The insurers are future generali general insurance company. Policy coverage is high and claims are high and easy to sanctioned it. The huge number of hospitals are collaborated with this company and give great treatments. Ambulance is facilitated for free.
Nirbhanu
Dharmasala, October 05, 2016
'Good Policy'
My future health problem which i can't stop but I can secure it with health insurance policy. I purchased one from future generali general insurance. Premium is minimum and returns are maximum. Coverage is around 90% and easy claims with the help of executives of the insurance company.
Manish
Chandigarh, September 29, 2016
Future Generali Insurance
Got the health insurance policy for my family at very low price from future generali general insurance company. Service is fantastic which is provided by the staff members and executives of the company. Ambulance service and large number of the hospitals makes very easy and good treatments and services.
Kapil
Jhulasan, August 26, 2016
Health is Wealth
Future generali general insurance is one of the best insurers among all. I purchased health insurance form them in low premiums. Service of yours is fantastic and online renewals is possible through online portal service. Claims and policy coverage is high.
Ishika
Badlapur, August 02, 2016
Health Insurance
I have future generali health insurance policy plan. Honestly the plan is normal and very flexible. Service is superb and behaviour of the staff is very nice. Coverage is good and ambulance is provided for free at any location.
Harman
Agartala, July 22, 2016
Fine Insurance
I have health insurance plan from future generali insurance. The policy is very good and it really help whenever needed. Policy coverage and claims are high and claiming is simple due to fast service is facilitating by the company members and the hospital staff members.
Saurabh
Mahalingpur, July 07, 2016
Good Insurance
The health insurance policy i have is good and premium is less. Service is good and policy coverage is high. Claims are easy to sanctioned by online portal (using internet) or manually (going to the office). The web service is simple to access and easily operate by anyone.
Sandeepa
Bhagalpur, June 24, 2016
Health Care
My health insurance plan come's with many benefits like ambulance service for free, Accidental death benefits, Large number of hospitals are facilitating service 24X7. Policy coverage is good and claims are high. Claiming is easy to sanctioned due to fast service provided by the executives.
Lakshey
Ahmedabad, April 01, 2016
Health is Wealth
The health policy plan i have is nice and many benefits also present in the policy which i took from future generali general insurance. Claims are about Rs.2.3 L and the coverage is 97%. The service is high but premium is low. The ambulance is there for patient which is absolutely free. Good policy which saves taxes also.
Jyotsna
Delhi, April 01, 2016
Excellent Work
Future generali general insurance provide me health insurance policy plan which have low premiums. The claims are high and ambulance is facilitate from door steps to hospital without taking any charges. Policy coverage is 93%. Number of hospitals are working and fast response is provided to policy holder. Love to have this policy plan.
Kamal
Faridabad, April 01, 2016
superb health plan
Future generali general insurance health policy plan provides me great services and the premium is low. Coverage is huge ~91% and big number of hospitals are working with them. Claims are very easy to get due to there services. Good health security which saves taxes also. Great work guys.
Ravi
Noida, April 01, 2016
Health Security
My health insurance policy plan is with future generali general insurance. My policy plan is an average one which has less investment but the returns are also low. Claims are around Rs.2.3 L. Ambulance is available but charges apply. Good policy for health.
Yogesh
Indore, April 01, 2016
Good Health Policy
Policy coverage is 83% and claims are around Rs.1.9 L, even ambulance is take some charges which include in the bill and the premiums are low. The service is fast and always on time till now. Please improve you web service future generali general insurance. Health insurance policy plan which i have is super and smooth with good behaviour from executives.
Vikram
Vasco_da_gama, April 01, 2016
Full Satisfaction
I got health insurance policy plan by advice of my friend with future generali general insurance. Policy coverage is good 81% and claims are high but the premium is little bit high too. Investment is 41 k per year but the returns are 29.4 L. Ambulance facilitate for free and the billing is payed by the policy plan no extra money is payed by the policy holder.
Vishal
Gautam_buddha_nagar, April 01, 2016
Perfect Plan
Recently i got health insurance policy plan from future generali general insurance. Policy coverage is high ~89% and premiums are low ~9.7 K payed quarterly per year. Returns are high approx. Rs.19 L. Ambulance don't take any charges for pick and drop. Even the behaviour of the executives and the staff members are really nice with everyone. Great job, i like it keep it up guys.
Hitesh
Haridwar, April 01, 2016
Wonderful
I have my health insurance like everyone else but i buy it from future generali general insurance. The best service providing by you guys. Policy coverage is good ~97% and claims are high and the premiums are low. Payback returns are around Rs.21 L. Ambulance is facilitate for free. Nice health security which saves taxes.
Kamal
Bengaluru, April 01, 2016
Awesome
Policy coverage is high ~96% and the claims are Rs.3.7 L. Ambulance is also provided from hospitals for free of any charges. Large number of hospitals are there for serve the patients. Nice health insurance policy plan from future generali general insurance. The behaviour of the executives and staff members are really very nice.
Mayank
Haveli, April 01, 2016
Less Claims
My health policy plan is with future generali general insurance. Policy coverage is high approx.87% but the investments is low around 33.9 K per year till policy ends. Ambulance is facilitate for free. The only thing which you need to improve is claims, claims are less and the claiming process is bit slow too.
Nakul
Ooty, April 01, 2016
Low policy coverage
Finally got health insurance policy plan of my choice from future generali general insurance. Policy coverage is 71% and claims are Rs.1.9 L. Ambulance is provided by the hospitals but don't take any charges because all are covered in policy plan. Nice Insurance plan.
Tanmay
Mussorie, April 01, 2016
Good Coverage
Large number of hospital are there for patient care and even the best thing is ambulance is facilitate for free without taking any charges. Nice health insurance policy which you provide future generali general insurance. Policy coverage is ~83% and claims are fine and investments are low and it prevent taxes also.
Omesh
Dwarakanagar, April 01, 2016
Health Care
I buy health insurance policy plan from future generali general insurance. Policy coverage is high 89% and claims are ~Rs.3.1 L. Premiums are low around 29 K and the returns are high approx. 21 L. Claiming procedure is easy because of fast services provided by the executives and staff members. Ambulance is provided from hospitals and its free. Good health plan.
Bhavya
Kota, April 01, 2016
Above Average
My health insurance is an above average policy plan which i bought from future generali general insurance. Policy coverage and claims are high and premiums are low. Ambulance is facilitate to patients and hospitals are giving this service absolutely free. The web service is also good and fast response given by the executives.
Raghav
Chennai, April 01, 2016
Nice Policy
Policy coverage is high ~93% and the claims are approx. Rs.2 L. Large numbers of hospitals are there for facilitate and serve the patient. Thanks future generali general insurance for this nice health insurance policy plan. I like this policy very much.
Jiten
Kanpur, April 01, 2016
Damn Good
After long searching found nice health insurance policy plan from future generali general insurance. Policy coverage is 89% and claims are high but the good thing is premiums are low 32 k per year. Extra benefits are there like free ambulance service for both sides. High number of hospitals are there for service. Nice policy, i like it.
Chirag
Mumbai, April 01, 2016
Satisfactory
My health insurance policy plan is good just the policy coverage is low. Around 60% is the coverage of my policy, please improve it rest all thing are good like claims are high and premiums are low. Fast services with ambulance facility from hospitals which is absolutely free. Thank you, future generali general insurance.

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