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Future Generali Health Insurance Plans

Future Generali health insurance offers 11 health insurance plans. The premium of these plans starts from Rs. 254/yr. The sum insured ranges from Rs. 500 - 1 Cr. Details of the comprehensive coverage provided by the following 11 Future Generali health insurance plans are listed below:

Future Aarogya Bima

Starting Premium- ₹ 1,992/yr

This is an affordable health insurance plan which provides coverage for all basic medical expenses at affordable premiums

The features are as follows

  1. There are three plan options of A, B and C
  2. You can claim a premium discount for covering two or more family members
  3. You also get along term discount of 10% if you buy the policy for a longer duration
  4. You can pay the premiums in instalmentsEntry ageAdults – 18 years to 70 yearsDependent children – 1 day to 25 yearsSum insuredINR 2 lakhs to INR 5 lakhsPre-entrance medical testsNot required till 50 years of ageTerm of the plan1 year to 3 years

Eligible Age

18 years - 70 years

PED Waiting Period

4 years

Coverage

2 Lakh - 5 Lakh

NCB

NA

Future Criticare Plan

Starting Premium- ₹ 262/yr

This is a critical illness policy wherein a fixed sum insured is paid if the insured suffers from any of the covered critical illnesses

The benefits of the plan are as follows

  1. Twelve critical illnesses are covered under the plan
  2. The plan can be taken on a family floater basis covering wife and dependent children

Eligible Age

6 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

NA

Future Generali Accident Suraksha Plan

This is a personal accident health insurance plan which pays a fixed lump sum benefit if the insured suffers from accidental injuries or dies in an accident.The features are as follows

  1. Worldwide coverage is allowed under the plan
  2. No pre-entrance medical check-ups are required to opt for coverage under the plan
  3. 10% premium discount is allowed if more than one family member is covered
  4. All types of accidental disablements and death are covered
  5. Coverage is also available for repatriation of remains and funeral expenses
  6. A range of additional coverage benefits are available which can be selected at additional premiums

Eligible Age

3 years - 70 years

PED Waiting Period

NA

Coverage

1 Lakh - 50 Lakh

NCB

NA

Future Generali Top-up Plans

Future Generali health insurance provides 1 top-up plan. The premium of these top-up plans start from Rs. 704/yr. The sum insured ranges from Rs. 50,000 - 1 Cr. Future Generali top-up plans provide enhanced coverage and added protection for your well-being. Explore the details of each Future Generali top-up insurance policy below:

Future Advantage Topup Plan

Starting Premium- ₹ 704/yr

This is a super top-up health insurance plan which helps in increasing an existing health insurance coverage that you have. Under this plan,the total claims made in a year would be considered against the deductible limit chosen under the plan. If the total value of claims made in a year exceeds the deductible, the plan pays the excess claim. The salient features of the plan are as follows

  1. There are two plan variants called Supreme Plan and Elite Plan
  2. The plan also covers heart related ailments and the incidence of cancer
  3. AYUSH treatments would be covered under the plan
  4. You can avail of a family discount if you cover two or more members under the policy
  5. 2.5% premium discount can also be availed if you have another health insurance policy of the company
  6. If you buy a three year long term cover,you get a premium discount of 10%
  7. You can waive the deductible and make the plan a health insurance plan after 54 years of age
  8. There is no limit on entry age

Eligible Age

1 day onwards

PED Waiting Period

2 years

Coverage

50,000 - 1 Cr

NCB

10% increase in cover;max upto 50%

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FAQs

Indemnity health insurance plans are those which cover the actual medical costs that you incur subject to a maximum of the sum insured opted by you. Thus, if you have coverage of INR 5 lakhs but your medical bills total INR 1 lakh the policy would pay only INR 1 lakh in claims

Yes, the premium of a continuous policy would have to be paid at once. However, Future Generali allows you easy instalment facility wherein you can pay the premium in instalments if you want

No, Future Generali does not load the premiums due to your claim experience. So, even if you make a claim in your health insurance policy, the premium would not increase on renewals.

Future Generali allows dependent parents to be covered under some of its health insurance plans. So, you need to check whether the plan that you want to buy allows coverage for dependent parents or not. It is, however, better to cover dependent parents in a separate health insurance plan so that they can be covered optimally and you can also claim an additional tax benefit on the premiums that you pay for their plan.
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