Future Generali Health Insurance
Future Generali Health Insurance Company stands as your trusted companion as their commitment to safeguard you from any sort of medical emergencies.
Network hospitals
8430+
Incurred claim ratio
79.18%
Sum insured
Up to 6 Cr
No. of Plans
3
Solvency Ratio
1.8
Pan India Presence
121+
Future Generali Health Insurance Company
With 68 million customers and a 72,000-employee base, Future Generali is one of the largest global insurance providers. In 1821, the company was founded in Italy, and now it is operating in around 50 countries globally. The main reason Future Generali is on top is due to its fully integrated sustainability into all its strategic choices. Their main aim is to create value for all the stakeholders and build a more equitable and resilient society.
What does Future Generali Health Insurance do?
Future Generali is one of the top health insurance companies that provide health insurance products to the people. They offer several health insurance products related to individuals and families.
What are some of the
Features
that set Future Generali apart?
-
1
There is cashless hospitalization all over the country and the number is more than 8000.
-
2
The group was founded in 1821, but they started their insurance setup in 2006.
-
3
They have integrated sustainability into their strategic choices
-
4
It is a joint venture between Generali Group and Future Group.
-
5
Their main goal is to become lifetime partners with the customers.
Future Generali health insurance awards and accolades.
- 'ET Best Brands 2020 Award'
- 'Asia-Pacific Stevie Awards
- 'Best Product Launch PR Campaign of the Year'
- ET Now Sales Champion Award
- Golden Star Awards- Best Product Innovation
- 'Golden Star Awards-Claims Service Leader
Best Selling Future Generali Health Insurance Plans
Let's take a look at the list of health insurance plans that offer comprehensive protection to you and your family
-
Individual and Family Health Insurance
Future Generali Health Insurance Plans Eligibility Approximate Annual Premiums Future Generali Health Total Plan Entry Age - Day 1 - No Limit
Sum Insured - Up to 1 CrRs. NA
Future Generali Health Absolute Plan Entry Age - 18 years - No Limit
Sum Insured - Up to 3 Lakh - 1 CrRs. NA
Key Features Of Future Generali Health Insurance
Let us take a look at some unique features of top-selling Future Generali Health Insurance policies:
For Individual and Family Health Insurance
Future Generali Health Total Plan
Future Generali Health Total is a holistic comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family members, organ donor cover, etc.
Why Do We Recommend This?
- Maternity cover
- Mental illness cover
- Avail Wellness Benefits like health risk evaluation, Complete Blood count, Urine Routine, and Random Blood Sugar check-up
Explore other Future Generali Health Insurance
To cater to the different medical needs of an individual & their family, Future Generali Health Insurance offers several Health Plans ranging from senior citizen plans to specialized plans for autistic children, to health insurance for cardiac patients, and many more. Take a look below to Future Generali Health Insurance plans explore more:
Individual and Family Health Insurance
Future Generali Health Total is a holistic comprehensive health insurance plan that offers a multitude of features like cover for up to 15 family memb...
Unique Features
- SI Up to 1 Crore
- Family Discounts
- Avail Wellness Benefits
Future Generali Health Total Plan (Pros)
- Daily hospital cash
- Maternity cover
- Newborn baby care
- Modern treatment cover
- Global coverage
Future Generali Health Total Plan (Cons)
- OPD charges
- Second medical opinion
- IVF treatment
- Air ambulance cover
- Compassionate travel
Future Generali Health Total Plan (Other Benefits)
- Organ donor cover
- Family floater benefits
- E-consultations
- Daycare procedures cover
Future Generali Health Total Plan (Eligibility Criteria)
- Minimum- Day 1
- Maximum- No limit
Individual and Family Health Insurance
Future Generali Health Absolute is a comprehensive health insurance plan with 3 plan variants and a wide range of sum insured. The plan offers a wide ...
Unique Features
- Up to 1 Cr SI
- 3 Plan Variants
- 10% Family Discount
Future Generali Health Absolute Plan (Pros)
- OPD charges
- AYUSH cover
- Maternity cover
- Newborn baby care
- modern treatment cover
Future Generali Health Absolute Plan (Cons)
- Domiciliary benefit
- Second medical opinion
- Air ambulance
- Compassionate travel
- Daily hospital cash
Future Generali Health Absolute Plan (Other Benefits)
- Pre & post-hospitalization
- Organ donor cover
- ICU charges
- Cataract treatment cover
Future Generali Health Absolute Plan (Eligibility Criteria)
- 18 years - No Limit
Individual and Family Health Insurance
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If policyholders ...
Unique Features
- 80% premium discount
- Family coverage
- Maternity coverage
Future Generali Super Saver Plan (Pros)
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Super Saver Plan (Cons)
- Vaccination unavailable
- Automatic restoration
- Daily hospital cash
- Health check-up unavailable
Future Generali Super Saver Plan (Other Benefits)
- Pre & post-hospitalization
- Daycare procedures
- Cataract cover
- ICU charges covered
Future Generali Super Saver Plan (Eligibility Criteria)
- 18 to 70 years
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Future Generali Health Insurance Plans
Why Choose Future Generali Health Insurance Plans?
- Over 8000 network hospitals across India for cashless hospitalisation
- 24X7 customer support for queries, claims, etc.
- Coverage available for critical illnesses, domiciliary hospitalisation, daycare procedures
- Multiple plan options with comprehensive coverage for individuals, families, senior citizens, etc
- High sum insured options available
Factors to Consider While Buying A Health Insurance Policy
Choosing a health insurance plan can be stressful and confusing for most people. But you need to have a clear idea of what a certain plan is offering and what are the things they are covering. Once you are positive about the plan benefits, it becomes easier to make correct decisions. Let's check out some of the vital factors that you should consider before buying a health insurance policy:
-
Individual or Family Floater Plan
When choosing a plan your first step is to check whether your requirement is for you or your family. Family floater plans usually benefit those who want to secure their family as it is cheaper than the individual one. -
Cover Amount
We all know that with growing inflation, medical expenses are also increasing day by day. Therefore, having health insurance will help hugely to meet the expenses. It is also necessary to choose a policy that offers maximum coverage amount for your health claims. -
Co-Payment Clause
Every policy has some clauses you need to follow and a co-payment clause is one of those. This means that for every claim you make, you have to bear a certain percentage of the claim amount. So, you must check how much clause your policy is putting in. -
Network Hospitals
Always check the list of hospitals included in your policy. Remember the kinds of medical facilities you might need in the future. -
Waiting Period
Look for the period you need to wait before claiming the reimbursement. Some policies put a waiting period on critical illnesses as well, you need to check for that too. -
Lifetime Renewal
You may need healthcare when you grow old. So, look for a policy that provides lifetime renewal options. -
Compare the Premiums
You should always choose the premium after comparing more than two policies. This thoughtful action will prevent you from paying a higher amount for lesser claims.
What is Covered?
Pre and Post Hospitalization Expenses
The Company understands the impact of rising medical expenses, thus they have made sure that their insurance products contain pre and post-hospitalization expenses related to in-patient hospitalization.
AYUSH Treatments
Most Future Generali Health Insurance plans have in-built alternative treatment cover which you can utilize to your benefit. AYUSH treatments include Ayurveda, Unani, Siddha, and Homeopathy treatments.
Hospitalization Expenses
Future Generali Health insurance plans cover your hospital expenses like room rent, ICU charges, surgery expenses, doctor consultations, and other such expenses.
Day Care Treatments
Multiple procedures do not require a 24-hour hospitalization. With this in mind, a majority of the Future Generali Health insurance plans are designed to cover daycare procedures for policyholders.
Domiciliary Hospitalization
On a doctor’s recommendation, a policyholder can avail of medical care in the comfort of their home. Future Generali Health insurance plans cover domiciliary hospitalization up to specified sub-limits.
What is not Covered?
Self Inflicted Injuries
Future Generali health policies will not cover injuries or hospitalization caused by self-harm.
Cosmetic Procedures
Future Generali Insurance plans do not cover any kinds of cosmetic surgeries or treatments.
Adventure Sports
Future Generali Insurance plans will not cover you for hospitalizations, or accidents caused due to adventure sports.
Obesity or Weight Control Treatments
Future Generali Insurance plans mostly do not cover treatments related to obesity and weight management such as bariatric surgeries.
Involvement In Illegal Activities
Future Generali insurance company plans do not cover individuals or families for hospitalization or injuries caused due to unlawful activities.
Waiting Period in Future Generali Health Insurance Company
Thewaiting period is the duration in which you have to wait from the date of policy issuance before making the claim. This waiting period applies from the date you buy the policy and lasts up to 15 days to 4 years depending upon policy to policy.
Future Generali Health Insurance generally adds the following waiting periods:
Initial Waiting Period
This waiting period is experienced in the first 30 days from the policy commencements. You cannot file for a claim except for emergency hospitalization due to an accident.
Pre-existing Disease Waiting Period
As per IRDAI, pre-existing diseases are diseases that are diagnosed 48 months before you buy a health insurance plan. Diseases like diabetes, thyroid, hypertension, etc are some of the diseases in which waiting periods might occur.
Specific Diseases Waiting Period
This waiting period occurs for a few diseases like cataracts, ENT disorders, joint replacement surgery, mental illness, etc. The waiting period for these diseases can be up to 24 months depending on the type of plan you choose.
Maternity Benefit Waiting Period
Maternity benefits usually start after 1 to 4 years of waiting period after buying health insurance. However, it depends upon the policy. So, you need to plan your family accordingly.
Mental Illness Waiting Period
Today, many policies provide coverage for mental illness but you can avail claim after a specific time. Usually, the waiting period for mental illness coverage is 1 to 4 years.
Future Generali Health Insurance Network Hospital List
Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Buying Future Generali Health Insurance is an easy and user-friendly process. You can directly visit the company's website and buy the desired health plan.
- Step 1
Visit the PolicyX health insurance page, and enter your details such as name, age, number of members to be covered, and city.
- Step 2
Click on 'Get free quotes' and compare Star Health Insurance Plans as per your needs.
- Step 3
Select and pay premiums online for the purchased star health insurance plan of your choice.
- Step 4
Our team of insurance experts at PolicyX will provide you with all the assistance required regarding claims and other queries post-purchase of your Star Health Insurance plan.
How To Renew Future Generali Health Insurance Policy?
There are two ways to renew the policy. The customer can either visit the official website of the company or call customer care for guidance on offline renewal. Let us walk you through the process step by step:
- Step 1
Visit the official website of the company, then locate the "Renew" option at the top of the page.
- Step 2
After clicking on the Renew option, choose the type of insurance policy you want to renew. Now click on "Health Insurance".
- Step 3
This will redirect you to the page where you have to enter the "Policy Number" and "Date Of Birth".
- Step 4
This will take you to your dashboard. Here at this point, you can modify the plan such as SI or add any more benefits.
- Step 5
Now the company will provide different payment modes for the payment. Select your mode of payment and then click on "Pay".
- Step 6
The company will send an email and message to your mobile number for confirmation of the payment. Hence the renewal can be done online.
Connect with our insurance experts for Star health insurance policy renewal at 1800 - 4200 - 269
How to Claim?
To file a claim you need to follow below steps:
- Step 1
Show your Future Generali Health Card at the helpdesk of the hospital to the TPA.
- Step 2
Submit the duly filled and signed pre-authorization request form.
- Step 3
The TPA will send the form to the insurance company. The insurer will analyze the claim request.
- Step 4
After approval, the company will directly settle all the bills of the hospital.
- Step 5
On rejection, one can pay all the bills and later apply for reimbursement.
Documents required while filing the claim
Once you submit the claim intimation, the company will start their work of verification. They might assign a field doctor if required for this process. After completing the verification process, you will get the claim immediately.
- Duly completed and signed claim form, in original
- Valid photo-ID proof
- Medical practitioner's referral letter and prescription
- Original bills, receipts, and discharge cards from the hospital/medical practitioner
- Original bills from pharmacy/chemists
- Original pathological/diagnostic tests reports/radiology reports and payment receipts
- Indoor case papers
- First Information Report, final police report, if applicable
- Post-mortem report, if conducted
- Any other document as required by the company to assess the claim
How To Port To Future Generali Health Insurance?
To port your existing policy to Future Generali Health Insurance, follow the steps mentioned below:
- Step 1
Fill out the portability form, and send the application to Future Generali Health Insurance Company 45 days before the date of your existing health plan renewal.
- Step 2
As per the guidelines of IRDAI, the new insurance company will cross-check your medical and claims history from the previous insurer within 7 days of receiving the portability form.
- Step 3
Once the policyholder's details are verified, the new insurance company has to communicate its decision - either approval or rejection - within 15 days.
More Queries?
If you have any more queries regarding
Plans,
Renewals, or Claim Procedures, contact our insurance experts at:
1800-4200-269
now!
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Written By: Simran Saxena
An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.
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