Future Generali Health Insurance for Senior Citizens
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Future Generali Health Insurance for Senior Citizens
Future Generali Health Insurance for senior citizens provides health coverage to people aged 60 and above. The Future Varishta Bima plan by Future Generali India Insurance Company Limited provides customized medical coverage to senior citizens for hospitalization expenses along with several other benefits.
Key Benefits of Future Generali Health Insurance for Senior Citizens
Following are the key benefits of Future Generali Health Insurance for senior citizens:
- Sum insured ranges from Rs 2 lakh to Rs 10 lakh
- Available in both individual and family floater cover
- Free medical check-up facility every year
- Pre-existing diseases covered from 2ndyear onwards
- 10% family discount if more than 1 member is added on individual sum insured
- 5% and 10% long term discount on opting for a 2-year and 3-year policy tenure
- 10% discount if less than 15 days old medical reports are provided with the proposal form
- Premium payment on instalments option available
- Tax relief for senior citizens on premium paid under Section 80D of the Income Tax Act
Future Generali Health Insurance Plans for Senior Citizens
Check out the details of the Future Generali Health Insurance plan for senior citizens below:
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Plan Name |
Sum Insured (Rs) |
Co-Payment |
|
|
Future Generali Varishta Bima |
2 lakh to 10 lakh |
50% (for pre-existing diseases claim) |
View Plan |
Eligibility Criteria for Future Generali Health Insurance for Senior Citizens
Take a look at the eligibility criteria for elderly parents to buy a Future Generali Health Insurance for senior citizens:
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Categories |
Eligibility Criteria |
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Minimum Entry Age |
60 years |
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Maximum Entry Age |
No age limit |
|
Family Members Covered |
Self, spouse |
|
Renewability |
Lifelong |
Choose Health Insurance Company for Senior Citizens
Inclusions of Future Generali Health Insurance for Senior Citizens
The following medical coverage is included under the Future Generali Health Insurance for senior citizens:
- In-patient Hospitalization Expenses
- Day Care Treatment
- Pre-hospitalization Expenses
- Post-hospitalization Expenses
- Mental or Psychiatric Illness
- Road Ambulance Charges
Exclusions of Future Generali Health Insurance for Senior Citizens
Future Generali Health Insurance for senior citizens comes with the following exclusions:
- Dental treatment or surgery
- Sexually transmitted diseases
- Use of intoxicating substances, such as alcohol or drugs
- Obesity or weight control procedures
- Plastic or cosmetic surgery
- Domiciliary hospitalization
- Treatment taken outside India
- OPD treatment
- AYUSH treatment
FAQs
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Q1. Does Future Generali Health Insurance for senior citizens have any waiting periods?
Ans: Yes. Future Generali Varishta Bima plan comes with the following waiting periods:
- Pre-existing Diseases Waiting Period – 12 months
- Initial Waiting Period – 30 days
- Listed Diseases Waiting Period – 24 months
- Mental Illness Waiting Period – 48 months
- HIV AIDS Waiting Period – 48 months
- Behavioural and Neuro-developmental Disorders – 48 months
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Q2. Where can I check the premium chart for Future Generali Health Insurance for senior citizens?
Ans: You can check the premium chart for Future Generali Varishta Bima by using a health insurance premium calculator at Policybazaar.com or by visiting the website of the insurance company.
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Q3. Is pre-insurance medical examination mandatory under Future Generali Health Insurance for senior citizens?
Ans: Yes, a pre-insurance medical examination is mandatory under the Future Generali Varishta Bima plan for people opting for Rs 7.5 lakh and Rs 10 lakh sum insured.
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