Generali Central (Formerly Future Generali) Health Insurance Waiting Period

Generali Central (Formerly Future Generali) Health Insurance Waiting Period

Generali Central (Formerly Future Generali) health insurance waiting period refers to the timeframe that the insured has to wait before raising a claim with Generali Central (Formerly Future Generali) Insurance Company. It is different for various diseases & medical procedures and may vary from one Generali Central (Formerly Future Generali) health insurance plan to another. However, policyholders do not need to serve any waiting period to file a claim for accidental hospitalization.

Types of Generali Central (Formerly Future Generali) Health Insurance Waiting Period

Take a look at the different types of waiting periods applicable to Generali Central (Formerly Future Generali) health insurance plans:

1. Generali Central (Formerly Future Generali) Health Insurance Pre-existing Diseases Waiting Period

   This waiting period needs to be served to claim the medical expenses incurred on pre-existing diseases or PED, such as high BP, diabetes, heart ailments, obesity, etc.

2. Generali Central (Formerly Future Generali) Health Insurance Specified Disease/Procedure Waiting Period

   The insured must serve this waiting period to pay for the cost of treating a specified disease or medical procedure, including cataract, hernia, joint replacement surgery, osteoarthritis and varicose veins.

3. Generali Central (Formerly Future Generali) Health Insurance Initial Diseases Waiting Period

   This type of waiting period should be served to file a health insurance claim for non-accidental hospitalization of the insured.

4. Generali Central (Formerly Future Generali) Health Insurance Critical Illness Waiting Period

   Policyholders need to serve this waiting period to claim the medical expenses incurred on treating critical illnesses like cancer, heart attack, stroke, etc.

5. Generali Central (Formerly Future Generali) Health Insurance Maternity Benefit Waiting Period

   This type of waiting period must be served to claim maternity benefit and pay for childbirth, pre-natal & post-natal expenses.

6. Generali Central (Formerly Future Generali) Health Insurance OPD Dental Treatment Waiting Period

   Policyholders should serve this waiting period to pay for dental treatments availed on an OPD basis.

7. Generali Central (Formerly Future Generali) Health Insurance LASIK Surgery Waiting Period

   This waiting period needs to be served by the insured to pay for the cost of undergoing a LASIK eye surgery.

8. Generali Central (Formerly Future Generali) Health Insurance Bariatric Surgery Waiting Period

   The insured must serve this waiting period to file a claim for the cost of undergoing a bariatric surgery.

9. Generali Central (Formerly Future Generali) Health Insurance Infertility Expenses Waiting Period

   This waiting period should be served by the insured to pay for the cost of undergoing an infertility treatment.

10. Generali Central (Formerly Future Generali) Health Insurance Cataract Surgery Waiting Period

    The insured needs to serve this waiting period to pay for the cost of undergoing a cataract surgery.

11. Generali Central (Formerly Future Generali) Health Insurance Medical Treatment Abroad Waiting Period

    This type of waiting period must be served by the insured to pay for medical treatments obtained outside India.

12. Generali Central (Formerly Future Generali) Health Insurance Screenings and Vaccinations Waiting Period

    Policyholders should serve this waiting period to claim the medical expenses incurred on breast cancer, cervical cancer and HIV screening and Hepatitis B & HPV vaccine.

13. Generali Central (Formerly Future Generali) Health Insurance Antenatal Care Waiting Period

    This type of waiting period needs to be served to pay for the healthcare expenses incurred on the antenatal care of the insured.

14. Generali Central (Formerly Future Generali) Health Insurance Miscarriage or Medical Termination of Pregnancy Waiting Period

    Policyholders must serve this waiting period to claim the medical expenses resulting from miscarriage or medical termination of pregnancy.

15. Generali Central (Formerly Future Generali) Health Insurance Voluntary Sterilization Waiting Period

    This waiting period should be served by the insured to claim the medical expenses incurred on undergoing voluntary sterilization.

16. Generali Central (Formerly Future Generali) Health Insurance Puberty and Menopause Disorders Waiting Period

    The insured needs to serve this waiting period to claim the hospitalization expenses incurred on the treatment of puberty and menopause disorders.

17. Generali Central (Formerly Future Generali) Health Insurance Senior Care Waiting Period

    This waiting period must be served to pay for the medical expenses incurred for the care of women aged 60 years and above.

18. Generali Central (Formerly Future Generali) Health Insurance Critical Illness Care Booster Waiting Period

    The insured should serve this waiting period to raise a claim under the critical care booster benefit.

19. Generali Central (Formerly Future Generali) Health Insurance Cancer Care Booster Waiting Period

    This type of waiting period needs to be served by the insured to file a claim under the cancer care booster benefit.

20. Generali Central (Formerly Future Generali) Health Insurance Gender Reassignment Surgery Waiting Period

    Policyholders must serve this waiting period to claim the cost of undergoing a gender reassignment surgery in case the policy has been ported or migrated.

List of Generali Central (Formerly Future Generali) Health Insurance Waiting Period

Check out the list of waiting periods that policyholders may find in health insurance plans offered by Generali Central (Formerly Future Generali) Insurance Company:

Note: The Generali Central (Formerly Future Generali) health insurance waiting period disease list and the exact waiting period may vary from one plan to another.

Is It Possible to Reduce the Generali Central (Formerly Future Generali) Health Insurance Waiting Period?

Yes. Generali Central (Formerly Future Generali) Health Xtra plan provides policyholders with the option to reduce the waiting period for pre-existing asthma, high blood pressure, high cholesterol and diabetes to 30 days with the PED Coverage for ABCD Illness benefit. However, this benefit is available on the payment of an additional premium.

Things to Remember About Generali Central (Formerly Future Generali) Health Insurance Waiting Period

Here are the things to remember about the Generali Central (Formerly Future Generali) Health Insurance waiting period in India:

• No waiting period has to be served in order to file a claim for accidental hospitalization of the insured.
• Any disease or illness diagnosed after buying the mediclaim policy will not be considered pre-existing by the insurance company.
• Policyholders may find the option to reduce their pre-existing disease waiting period in a couple of plans.

The insured must serve the waiting period and the survival period before filing a claim under the critical illness insurance policy.

Generali Central (Formerly Future Generali) Health Insurance Waiting Period: FAQs