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Future Generali Insurance Empanelment
About Future Generali Insurance
Future Generali India Life Insurance Company Limited is a joint venture between three leading groups: Future Group – A leading retailer in India, Generali Group- A global insurance group that features among top 50 smartest companies in the world and Industrial Investment Trust Limited (IITL) – A leading investment company.
The mission of Future Generali India Life Insurance Company Limited is to actively protect and enhance people’s lives. With operations spread across 136 branches and a complete range of simplified solutions for the financial security of customers and enterprises the company aims to become the first choice by delivering relevant and accessible insurance solutions.
Future general Insurance company provides various plans like- Family suraksha and individual plans that are customized to meet the requirements of customers in many caring ways.
Eligibility of Future Generali Health insurance
- Eligibility period – 90 days to 70 years
- Policy can be purchased by minimum 2 adults
- Life long renewal.
- Above 45 years customers should get medical check up done.
- For those within 45 years, the value of sum insured accepted will be up to 10 lakhs without medical tests. Subject to claim proposal.
- For person above 55 years maximum sum insured will be Rs 5 lacs.
Benefits under Future Generali Health Insurance
- Medical Expenses covered – Hospitalization Medical Expenses, Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Organ Donor Expenses, Domiciliary Hospitalisation Expenses
- Restoration of the Sum Insured – If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to Terms & Conditions
- Maternity Expenses – Maternity benefit with only two years of waiting period when both husband and wife are covered together
- Miscellaneous Coverages – Patient Care, Accompanying Person, Road Ambulance Charges, Wellness Care, E-Opinion in respect of an Illness or Injury and Alternative Treatment
- Accidental Hospitalization – Increase in the Sum Insured by 25% of the available balance Sum Insured subject to maximum 10 lakhs in case of Accidental Hospitalisation.
- Emergency Medical Evacuation (applicable for Superior Plan and Premiere Plan) – We will reimburse expenses under this Benefit incurred for medical evacuation from the place of local Hospitalisation /Accident to any other Hospital within India.
- Out Patient Medical Expenses – (applicable for Superior Plan and Premiere Plan)
- Reimburse Expenses – We shall reimburse expenses towards consultation, diagnostic tests and medications prescribed as per plan opted.
- Child Vaccination Benefits (applicable for Premiere Plan) – We will cover charges for vaccinations for child less than 12 years of age.
- New Born Baby – (applicable for Superior Plan and Premiere Plan)
- Medical Treatment Abroad for listed conditions – (applicable for Premiere Plan)
- Additional covers – Patient care, Accompanying Person, Road Ambulance Charges, E-Opinion in respect of an Illness or Injury, Alternative Treatment, Wellness Care
- Cumulative Bonus – 50% for every claims free year to a maximum of 100% * Product coverage’s applicable would be as per plan opted
- With Health Suraksha, the member has access to cashless facility at our empanelled hospitals across India.
- Pre and Post hospitalization expenses incurred from 60 days prior up to 90 days after hospitalization.
- 130 Day-care procedures.
- Hospital cash benefit for platinum plan.
- Pre-existing disease covered after four years of consecutive renewal.
- Free Medical check-up in our empanelled diagnostic centres after every four claim free years.
- Patient care expenses up to maximum of Rs 350 per day forpersons above 60 years.
- Accompanying person expenses up to Rs 500 per day.
- Additional accidental hospitalization limit enhanceed by 25% of balance sum insured, subject to a maximum of Rs.1 lakh.
- Grace period of 30days from date of exipry of renewal.
- Please note that Rs 50,000 sum insured would be available for dependent children only.
- Loading of maximum 50% would be applicable for adverse claims experience.
- Porting of similar health policy to Future Health Suraksha as per portability guidelines.