Future Generali Health Insurance Portability

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      Future Generali Health Insurance Portability

      Future Generali India Insurance Company facilitates policyholders from other insurers to switch to a suitable Future Generali health plan. They can choose a Future Generali health policy as per their health requirements while the ongoing insurance coverage benefits remain uninterrupted. Eligible policyholders can initiate the porting process around 45 days before their existing policy's renewal date.

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      Benefits of Porting to a Future Generali Health Insurance Policy

      Here are some of the key benefits associated with switching to a Future Generali health insurance policy:

      • Policy Customization- While porting to the Future Generali health plan, the policyholders can customize the new plan as per their needs. It can range from changing the nominee, increasing the sum insured and including specific diseases. Any of these customizations can be done at the time of portability, which can be done near the policy renewal date.
      • Accumulated Cumulative Bonus- At the time of portability, the accumulated Cumulative Bonus is carried forward under the new policy coverage. It is the reward for not filing a claim during the policy tenure and the insured is not required to give that up during porting as well. Thus, being one of the major benefits of porting health insurance.
      • Select lower premium Plans- The portability option allows individuals to seamlessly port to a Future Generali health insurance policy that offers reduced premiums. This feature is especially advantageous when the cost of their current policy, which provides comparable coverage, increases due to factors like age or the insurer's underwriting practices.
      • Continued Waiting Periods- While doing so, the policyholder gets continuity benefit for applicable waiting periods for the tenure he/she continuously renewed the previous policy. The Cumulative Bonus get accrued in the sum insured, when a higher sum insured is opted at the time of porting the insurance policy.

      How to Port to a Future Generali Health Insurance Policy?

      Here is a step-by-step guide to port a Future Generali health insurance plan on Policybazaar.com:

      Step 1: Choose the specific Future Generali health insurance policy that suits your insurance needs

      Step 2: Initiate a porting request with Policybazaar approximately 45 days before your existing policy's expiry date, indicating your intent to port to a Future Generali health policy.

      Step 3: Complete and submit the online proposal and portability forms to Policybazaar.

      Step 4: Make the requisite premium payment for the selected Future Generali health insurance policy.

      Step 5: Policybazaar will then forward your porting request to Future Generali India Insurance.

      Step 6: Future Generali India Insurance Company will then communicate with your current insurer to collect pertinent details, including claim history, medical documents, etc. This information may also be obtained from the IRDAI website.

      Step 7: Within seven business days, your existing insurer will furnish the requested information to Future Generali India Insurance Company via IRDAI's online portal. Any delays in data sharing could temporarily affect the progress of your porting request.

      Step 8: The insurer will review the submitted documents within 15 days to either accept or decline your porting request. In the event of no decision within this timeframe, your portability request is considered as accepted.

      Documents Required for Future Generali Health Insurance Portability

      Refer to the following list of documents that are necessary for a successfully porting to a Future Generali health insurance policy:

      • Comprehensive records of claim history from previous policies
      • The latest renewal notice clearly mentioning the NCB/Cumulative Bonus
      • Copy of previous year’s medical insurance policies
      • Relevant medical documents, such as test reports, hospital discharge summary, admission certificates, etc., particularly applicable to claim scenarios

      How Does NCB Work Under Future Generali Health Insurance Portability?

      The working of the accumulated NCB varies when a current policy undergoes porting to a Future Generali health insurance policy, depending on distinct situations. Let us explore each of these scenarios to gain a comprehensive understanding:

      Scenario 1: In scenarios where the policyholder opts for a Future Generali health policy with the same base coverage amount, the waiting periods from the preceding policy will be sufficient.

      For example, Consider the case of Aman, who holds a Rs. 7 lakh health policy with an NCB of Rs. 2.5 lakh. If he selects a Future Generali health insurance policy of Rs. 7 lakh while porting, the waiting periods from his earlier policy will be carried forward. This ensures he can access coverage benefits without having to serve additional waiting periods.

      Scenario 2: In scenarios where the policyholder ports to a Future Generali health policy with a base SI(Sum Insured) equal to the cumulative value of the prior policy's base SI and the NCB, the waiting periods of the previous policy will suffice.

      For instance, Aman who holds a Rs. 7.5 lakh health policy with an NCB of Rs. 2.5 lakh. If he chooses to port to a Future Generali health insurance policy of Rs. 10 lakh, the waiting periods from his previous policy will seamlessly carry forward. This outcome arises from the combined value of the previous policy's base (Rs. 7.5 lakh) and the NCB (Rs. 2.5 lakh), equating to the Future Generali health policy's base sum insured (Rs. 10 lakh).

      Scenario 3: When the policyholder selects a Future Generali health policy with a higher base SI than the cumulative value of the previous health policy's base and the NCB, waiting periods apply for the additional coverage amount.

      For example, Aman who has a Rs. 7 lakh health policy with an NCB of Rs. 3 lakh. If he intends to port to a Future Generali health insurance policy of Rs. 15 lakh, the waiting periods served under the previous policy are sufficient for a coverage amount of Rs. 10 lakh. However, to claim the additional Rs. 5 lakh in coverage, standard waiting periods must be served.

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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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