Future Generali Health Total Plan
  • SI Up to 1 Crore
  • Family Discounts
  • Avail Wellness Benefits
Future Generali Health Total Plan
Network hospitals

Network hospitals

8430+

Incurred claim ratio

Incurred claim ratio

79.18%

Sum insured

Sum insured

Up to 6 Cr

No. of Plans

No. of Plans

1

Solvency Ratio

Solvency Ratio

1.8

Pan India Presence

Pan India Presence

121+

Customized Health Insurance Plan for you.

Get upto 15% Online Discount*

Select Members You Want To Insure

Age of Eldest Member

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, maternity cover, mental illness cover, organ donor cover, and a high sum insured for you and your family's health care needs. The plan has wide coverage under 3 different plan variants with different sum insured options, namely:

  • Vital - 3 | 5 | 10 L
  • Superior - 15 | 20 | 25 L
  • Premier - 50 L and 1 Crore

The plan is available on an individual and family floater basis with unique eligibility criteria covering individuals from 1 Day. There is no limit to the maximum entry age and dependent children are covered up to 25 years of age. With an impressive 94% CSR along with a promise of a 3-hour claim settlement future generali health total is a reliable health insurance plan. Customers can avail of the best medical care in 6300+ network hospitals of Future Generali. We have highlighted many such features and benefits of Future Generali Health Total in this article in order to help you make a financially smart decision when investing in health insurance.

Future Generali Health Total Plan Specifications

To understand Future Generali Health Total Plan Insurance in detail, take a look at the below table:

Entry Age

Day 1 - No Limit

Policy Type

Individual and Family Health Insurance

Sum Insured

3 L | 5 L | 10 L | 15 L | 20 L | 25 L | 50 L | 1 Cr

Initial Waiting Period*

30 Days Days

Renewability

Lifelong

Policy Term

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.

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Choose Your Future Generali Health Total Plan

With wide coverage options available, Future Generali Health Total 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:

In-patient & Out-patient coverage

Room Rent

Covered

ICU Charges

Covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Covered

Daycare Treatment

Covered

OPD Charges

Not Covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Covered

Daily Hospital Cash

Covered

Organ Donor

Covered

Maternity Cover

Covered

New Born Baby Cover

Covered

Alternative Treatments

AYUSH Treatment

Covered

IVF Treatment

Not Covered

Modern Treatment

Covered

Emergency Coverage

Ambulance

Covered

Air Ambulance

Not Covered

Compassionate Travel

Not Covered

Global Coverage

Covered

Wellness Programmes

E-Consultation

Covered

Health Check-Up

Not Covered

Second Medical Opinion

Not Covered

Vaccination

Not Covered

Limitations

Co-payment

Covered

Sub-limits

Not Covered

What is Room Rent?

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).

What are ICU Charges?

It is a special hospital department where patients with serious medical conditions are treated.

What is Pre Hospitalization?

Medical expenses incurred before hospitalisation of the policyholder.

What is Post Hospitalization?

Medical expenses incurred after the discharge of the policyholder from the hospital.

What is Domiciliary Hospitalization?

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.

What is Daycare Treatment?

Treatments that can be completed within 24 hours of hospitalization like blood dialysis, cataracts, etc.

What are OPD charges?

Covers the cost of doctor consultations and prescribed medical tests that may not require hospitalization. .

What is COVID-19 Treatment?

It includes the treatment cost for COVID-19 with a confirmative diagnosis from a government-approved centre.

What is Cataract Treatment?

A common eye condition in which your vision gets blurred due to cloudy formation in your eyes.

What is a No-Claim Bonus?

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.

What is Automatic Restoration?

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.

What is Daily Hospital Cash?

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.

What is an Organ Donor Cover?

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.

What is a Maternity Cover?

It refers to the cover that includes expenses for normal and c-section deliveries.

What is a New Born Baby Cover?

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:

  • Congenital anomaly (conditions since birth)
  • Acute condition
  • Chronic condition
  • Premature delivery
  • Birth asphyxia
  • Daycare treatment
What is AYUSH Treatment?

Refers to the cost of medicines and procedures used under AYUSH (Ayurveda, Yoga & Naturopathy, Unani, Siddha, and Homeopathy) treatment.

What is IVF 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:

  • Full infertility
  • No fertility
  • Infertility diagnosis
  • Infertility diagnosis and limited fertility treatment
  • Medication (which may or may not include fertility drug prescriptions)
What is a Modern Treatment?

Medical treatments that demand the use of modern technology and advanced machinery such as robotic surgeries, stem cell therapy, etc.

What is an Ambulance Cover?

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.

What is an Air Ambulance?

Air ambulances are specially prepared planes that transfer the patient from one place to another in case of a health emergency.

What is Compassionate Travel?

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.

What is Global Coverage?

Any kind of medical/health emergency when you are outside of India is covered for hospitalization expenses, modern and specific treatments, etc.

What is E-Consultation?

If a policy offers e-consultation it allows policyholders to connect with a doctor for medical consultation through video chat, audio call, or chatbot.

What is a Health Checkup?

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.

What is a Second Medical Opinion?

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.

What is Vaccination cover?

Coverage against the expenses incurred on vaccinations of either the newborn baby, for an animal bite, etc is provided by the insurance companies.

What is Co-payment?

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.

What is the Sub limit?

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.

Benefits of Future Generali Health Total Plan

There are a plethora of benefits involved with Future Generali Health Total. Lets have a look.

  • Long Term Discounts
    Future Generali Health Total plan offers individuals a family discount of 10% when more than 1 person is insured under the same policy. A long-term discount is also provided in case the policy term is more than 1 year.
  • Voluntarily Deductible Discount
    Under all three plan variants customers can earn deductible discounts between 10 to 25% on investing in Future Generali Health Total Plan.
  • Wellness Benefits
    Future Generali offers wellness benefits as per the plan variant selected by individuals. These benefits will include health risk evaluation and annual health checkups such as Complete Blood count, Urine Routine, Random Blood Sugar, and more.
  • Restoration Benefit
    The plan benefit states that if the sum insured and the cumulative bonus is exhausted due to claims incurred and paid during the policy year or incurred during the policy year and accepted as payable, then it is agreed that a Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year.
  • Tax Benefits
    Premiums paid towards Future Generali Health Total Plan will be eligible for tax benefits under the Income Tax Act of India.

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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.

Delhi

Mumbai

Bengaluru

Chennai

Kolkata

Hyderabad

Pune

Ahmedabad

Jaipur

Lucknow

Know More About Network Hospital

What is Not Covered Under Future Generali Health Total Plan?

The policy schedule has some exclusions that are mentioned below:

  • Cosmetic treatments (for change of life or cosmetic or aesthetic treatment of any description), plastic surgery
  • Cost of an annual health check-up
  • Injury or illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war-like operations
  • Hazardous/Adventure sports
  • Breach of Law, alcoholism, drug, or substance abuse
  • Unproven treatments
  • Sterility and infertility

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 Plan

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 memb...

Unique Features

  • SI Up to 1 Crore
  • Family Discounts
  • Avail Wellness Benefits

Future Generali Health Total Plan (Pros)

Future Generali Health Total Plan
  • Daily hospital cash
  • Maternity cover
  • Newborn baby care
  • Modern treatment cover
  • Global coverage

Future Generali Health Total Plan (Cons)

Future Generali Health Total Plan
  • OPD charges
  • Second medical opinion
  • IVF treatment
  • Air ambulance cover
  • Compassionate travel

Future Generali Health Total Plan (Other Benefits)

Future Generali Health Total Plan
  • Organ donor cover
  • Family floater benefits
  • E-consultations
  • Daycare procedures cover

Future Generali Health Total Plan (Eligibility Criteria)

Future Generali Health Total Plan
  • Minimum- Day 1
  • Maximum- No limit

Individual and Family Health Insurance

Future Generali Health Absolute Plan

Future Generali Health Absolute Plan

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)

Future Generali Health Absolute Plan
  • OPD charges
  • AYUSH cover
  • Maternity cover
  • Newborn baby care
  • modern treatment cover

Future Generali Health Absolute Plan (Cons)

Future Generali Health Absolute Plan
  • Domiciliary benefit
  • Second medical opinion
  • Air ambulance
  • Compassionate travel
  • Daily hospital cash

Future Generali Health Absolute Plan (Other Benefits)

Future Generali Health Absolute Plan
  • Pre & post-hospitalization
  • Organ donor cover
  • ICU charges
  • Cataract treatment cover

Future Generali Health Absolute Plan (Eligibility Criteria)

Future Generali Health Absolute Plan
  • 18 years - No Limit

Individual and Family Health Insurance

Future Generali Super Saver Plan

Future Generali Super Saver Plan

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)

Future Generali Super Saver Plan
  • Modern treatment cover
  • Maternity covered
  • Domiciliary treatment cover

Future Generali Super Saver Plan (Cons)

Future Generali Super Saver Plan
  • Vaccination unavailable
  • Automatic restoration
  • Daily hospital cash
  • Health check-up unavailable

Future Generali Super Saver Plan (Other Benefits)

Future Generali Super Saver Plan
  • Pre & post-hospitalization
  • Daycare procedures
  • Cataract cover
  • ICU charges covered

Future Generali Super Saver Plan (Eligibility Criteria)

Future Generali Super Saver Plan
  • 18 to 70 years

Future Generali Health Total Plan : FAQs

1. What are the eligibility criteria under Future Generali Health Total Plan?

The minimum entry age for future generali health total is 1 Day. There is no upper entry age limit in the plan. However, dependent children will be covered up to the age of 25 years. For more details, you can download the future generali health total brochure linked in the article.

2. Does Future Generali Health Total plan cover senior citizens?

Yes, the plan offers coverage to senior citizens as there is no upper limit on the entry age. However, there are certain co-pay clauses that are applicable in the policy with certain age brackets.

3. What are the plan variants available under future generali health total plan?

There are 3 plan variants available for customers to opt from under the plan, namely Vital - 3/5/10 L Superior - 15/20/25 L Premier - 50 L and 1 Crore

4. What are the various discounts available under Future Generali Health Ttotal plan?

Insured individuals can avail of a family discount of 10% under the future generali health total plan on including more than 1 individual under the same policy. Moreover, under all three plan variants customers can earn voluntary deductible discounts between 10 to 25%.

5. Are tax benefits applicable on Future Generali Health total Plan?

Yes, premiums paid towards Future Generali Health Total Plan are eligible for tax benefits.

Explore Future Generali Health Insurance

Customer Service of Future Generali

Customer Service of Future Generali

Future Generali Renewal

Future Generali Renewal

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Future Generali Claim Settlement Ratio

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Future Generali Maternity Insurance

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Simran Kaur Vij

Written By: Simran Kaur Vij

Simran is an insurance expert with more than 4 years of experience in the industry. An expert with previous experience in BFSI, Ed-tech, and insurance, she proactively helps her readers stay on par with all the latest Insurance industry developments.

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