Network hospitals
8430+
Claim settlement ratio
94.98%
Sum insured
Up to 6 Cr
No. of Plans
1
Solvency Ratio
1.8
Pan India Presence
121+
There should be no boundaries when it comes to your health!
Future Generali Health Elite plan offers your premium healthcare benefits globally that come with a sum insured value of up to 6 crores. This impressive plan covers you without any sub-limit restrictions. This health insurance plan provides holistic wellness benefits beyond conventional insurance plans, such as domiciliary hospitalisation, OPD care, mental health coverage, air ambulance service, and worldwide emergency healthcare services.
So, anybody residing within India or an individual who is a native Indian resident can get this comprehensive coverage plan that comes with lifelong renewability. But this is not yet done!
There are many more benefits attached to this single health insurance policy. To learn more about the Future Generali Health Elite insurance policy, read on.
To understand Future Generali Health Elite Plan Insurance in detail, take a look at the below table:
91 days
Individual and Family Health Insurance
75 L | 1 Cr | 4 Cr | 6 Cr
30 Days
Lifelong
1, 2, 3 years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Read more specifications in the brochure.
With wide coverage options available, Future Generali Health Elite Plan Insurance Plan allows you to choose your ideal coverage as per your family’s health requirements. Take a look at the coverage under every SI option available and choose your ideal coverage:
Room Rent
Covered
ICU Charges
Covered
Pre-Hospitalization
Covered
Post-Hospitalization
Covered
Domiciliary Hospitalization
Covered
Daycare Treatment
Covered
OPD Charges
Covered
COVID-19 Treatment
Covered
Cataract
Covered
No Claim Bonus
Covered
Automatic Restoration
Covered
Daily Hospital Cash
Not Covered
Organ Donor
Covered
Maternity Cover
Covered
New Born Baby Cover
Covered
AYUSH Treatment
Covered
IVF Treatment
Not Covered
Modern Treatment
Not Covered
Ambulance
Covered
Air Ambulance
Covered
Compassionate Travel
Covered
Global Coverage
Covered
E-Consultation
Covered
Health Check-Up
Covered
Second Medical Opinion
Not Covered
Vaccination
Covered
Co-payment
Covered
Sub-limits
Covered
The room rent limit is the maximum bed charge you can claim if you are hospitalised. Common Room categories covered under room rent are all kinds of rooms including single, private and AC rooms (except suite).
It is a special hospital department where patients with serious medical conditions are treated.
Medical expenses incurred before hospitalisation of the policyholder.
Medical expenses incurred after the discharge of the policyholder from the hospital.
Domiciliary hospitalization or home care treatments are the arrangements for an insured individual due to the unavailability of medical amenities in hospitals, or in a case where an insured member can not be admitted to the hospital due to an inability. The treatment should last equal to or more than 72 hours to get financial coverage.
Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.
Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .
It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.
A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.
For every claim-free year, insurance companies reward policyholders with an increase in the sum insured amount as a no-claim bonus or cumulative bonus on policy renewal. However, in the case of a claim, this bonus amount either lapses or is reduced by a certain percentage varying from one plan to the other.
It is a benefit in which an insurance company restores the amount of sum insured completely or up to a certain percentage after it gets fully exhausted in treatments. This restoration amount may vary from one plan to the other.
Daily hospital cash or Hospicash is a cash amount that you receive each day during the time of hospitalization to cover your non-medical expenses.
It is a cover that includes the cost of the procedure for removing the damaged or malfunctioning organs from the body. In most of the cases, the insurer pays for the hospitalization and transplant expenses for both the parties i.e. the donor and the receiver.
It refers to the cover that includes expenses for normal and c-section deliveries.
It takes care of the medical expenses that arise due to the hospitalisation of the newborn baby in case of any childbirth complications, medical challenges, and so on. Some of the common treatments that are covered under the newborn cover and these common treatments can vary from plan to plan:
Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.
In Vitro Fertilization (IVF) is a method of assisted reproductive technology. The common expenses incurred under IVF and infertility treatments are settled or reimbursed for:
Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.
An ambulance is used to move the patient from home to the hospital, transfer them to another hospital, and take them for different tests outside the hospital.
Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.
Refers to the travelling expenses of a family member who’s visiting the hospital to look after the patient when the policyholder gets admitted to a hospital outside his/her residential city.
Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.
If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.
A facility where the policyholder can avail of free health check-ups after fulfilling the company's eligibility criteria. In most cases, the insured member/s gets an annual health check-up cover.
If the policyholder wants, they may opt for a second medical opinion wherein the policyholder can consult another doctor within the company’s network of medical practitioners.
Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.
In the co-payment clause, policyholders have to pay a preset amount (either compulsorily or voluntarily) of the hospitalisation expense on their own and the insurer will pay the rest of the medical bill amount.
Sub limit is a condition in which the insurer will have to pay the medical expense up to a certain percentage and the remaining amount will have to be paid by the policyholder. For instance, if your policy covers room rent for upto 20% of the sum insured, but the expense of the same is more than 25%, you will have to pay the rest amount, i.e. 5%, for your room rent.
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.
Permanent diseases or health conditions that are not included under Future Generali Health Elite Plan are:
Congenital diseases & illnesses likewise
Alcoholism, drug abuse and treatment arising thereof
Injury or illness caused by war, invasion civilian unrest, etc
Change of gender treatment
Sterility and infertility treatment
Drugs & treatment procedures that doctors do not prescribe
Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:
Specific illness: 24 - 48 months
Pre-existing diseases: 24 months
Maternity expenses: 24 months (if proposer & spouse covered), 48 months (if only proposer/female covered)
The Future Generali Health Elite policy which covers all your healthcare requirements on a premium service model. Regular health insurance policies do not consist of wellness management or rewarding benefits for keeping yourself healthy and fit. But the Future Generali's Health Elite plan does!
When you're getting a bundle of premium healthcare benefits all at once, then why is this wait for? Give us a call right away (1800 4200 269) and get your FG Health Elite policy in just a few clicks.
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
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
Individual and Family Health Insurance
Build your health plan, your way! Yes, you heard that right. You can now customize and create your own health insurance with D.I.Y Health Insurance. I...
Unique Features
Individual and Family Health Insurance
There should be no boundaries when it comes to your health! Future Generali Health Elite plan offers your premium healthcare benefits globally t...
Unique Features
Top Up and Super Top Up
Get more coverage on your insurance, and enjoy more protection with a top-up today! The Future Generali Advantage top-up health insurance policy comes...
Unique Features
Individual and Family Health Insurance
Protect your family's health affordably with the Future Health Suraksha policy. It has become normal to get hospitalised due to an accidental injury o...
Unique Features
Senior Citizen Health Insurance
Enjoy every moment of your senior citizenship with Future Varishta Bima for senior citizens! Future Generali Varishta Bima policy is a specially desig...
Unique Features
Critical Illness Health Insurance
When it comes to life-threatening conditions, your family is not alone! What does that mean? According to a report of Elets BFSI, the major reason for...
Unique Features
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
You can include 15 members of your family under a single policy. The term family in this policy refers to: Self Spouse/ Live-in partner Children Parents Parents-in-law Dependent siblings Daughter-in-law Son-in-law Grandparents Grandchildren
Yes, buying this policy for seniors, availing global coverage including USA and Canada, availing a waive-off for the co-pay cover, long instalments for paying premiums, etc can increase the loading of your policy.
It covers medical treatment received abroad, emergency ambulance services, and repatriation/carriage of mortal remains which sets this policy apart from other options available in the market.
The holistic wellness benefits under FG Health Elite comprehensive policy can be availed after getting involved in wellness activities such as: Maintaining happiness index and stress score Wellness assessment from experts designated for it Participating in lifestyle and wellness monitoring activities Tracking fitness and healthy lifestyle
An insured individual who is 18+ can avail of the following benefits under this policy: Tele-counselling through FG insure application Health content consumption about physical and mental well-being Access the webinars related to physical and mental wellness Collecting vouchers to avail additional benefits like medication and diagnostics at the networking hospitals Can avail of the yearly health check-up benefits to maintain a healthy and balanced lifestyle
You can choose the sum insured option as per your healthcare needs from a range of 75 Lakhs, 1 Cr, 1.5 Cr, 2 Cr, 2.5 Cr, 3 Cr, 3.5 Cr, 4 Cr, 4.5 Cr, 5 Cr, 5.5 Cr, 6 Cr.
Yes, an individual whose age is 18 and above has to go through pre-policy medical examinations.
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Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner, she keeps her audience hooked and solves their doubts smoothly.
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February 5, 2023
Asia/Kolkata
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