Future Generali Varishta Bima Policy
  • Annual health check-up
  • In-patient treatment expenses
  • Multiple discount options
Future Generali Varishta Bima Policy
Network hospitals

Network hospitals

8430+

Claim settlement ratio

Claim settlement ratio

94.98%

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.

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Age of Eldest Member

Future Generali Varishta Bima Policy

Enjoy every moment of your senior citizenship with Future Varishta Bima for senior citizens!

Future Generali Varishta Bima policy is a specially designed health insurance plan for senior citizens that protects them with good healthcare and from financial loss. This policy comes with a family floater option and has a lifelong renewability benefit that allows you to stay protected no matter what.

Additionally, if you get yourself and your spouse covered under a family floater plan, you can avail of family and long-term discounts. An important fact to note here, the policy proposer and insured member need to go through a pre-acceptance medical check-up which the insurer will reimburse up to 50% of the expenses on the check-up.

The rest of this plan's features, benefits and eligibility criteria are covered on this page, read on to learn more.

Future Generali Varishta Bima Policy Specifications

To understand Future Generali Varishta Bima Policy Insurance in detail, take a look at the below table:

Entry Age

60 years to No Limit

Policy Type

Senior Citizen Health Insurance

Sum Insured

2 L | 5 L | 7 L | 8 L | 10 L

Initial Waiting Period*

30 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 Varishta Bima Policy

With wide coverage options available, Future Generali Varishta Bima Policy 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

Not covered

Pre-Hospitalization

Covered

Post-Hospitalization

Covered

Domiciliary Hospitalization

Not covered

Daycare Treatment

Covered

OPD Charges

Not covered

Coverage Terms

COVID-19 Treatment

Covered

Cataract

Covered

No Claim Bonus

Covered

Automatic Restoration

Not covered

Daily Hospital Cash

Not covered

Organ Donor

Not covered

Maternity Cover

Not covered

New Born Baby Cover

Not 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

Not covered

Health Check-Up

Covered

Second Medical Opinion

Not covered

Vaccination

Not covered

Limitations

Co-payment

Covered

Sub-limits

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.

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

Exclusions of Future Generali Varishta Bima policy

Permanent Exclusions

Permanent diseases or health conditions that are not included under Future Generali Varishta Bima Plan are:

Dental surgery or any related treatment unless resulted from an accident/injury

Any external congenital diseases

Maternity and related expenses

Gender change treatments or hormone replacement cure

Alcoholism or drug abuse and treatments resulted from the same

Breach of law or unlawful actions

Coverage after Waiting Period

Certain diseases and treatments are covered under this plan after a certain time period. Read the details below:

Pre-existing diseases (PEDs): 12 months

Listed diseases/conditions like internal congenital anomalies, varicose veins and varicose ulcers, all diseases of the prostate, all types of hernia, varicocele, hydrocele: 24 months

Mental illness or psychiatric illness, AIDS, HIV: 48 months

Storyline

It is relieving to know that our parents are secure from all kinds of health emergencies and away from huge financial losses when it comes to getting hospitalized!

Well, Future Varishta Bima from Future Generali health insurance offers healthcare benefits to senior citizens that too at affordable premium options. For more details about this policy, reach out to us at 1800 4200 269.

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 D.I.Y. Health Insurance

Future Generali D.I.Y. 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

  • Freedom to choose benefits
  • Multiple add-on cover options
  • Gender reassignment surgery

Future Generali D.I.Y. Health Insurance (Pros)

Future Generali D.I.Y. Health Insurance
  • Room rent
  • ICU charges
  • Pre and post hopitalisation

Future Generali D.I.Y. Health Insurance (Cons)

Future Generali D.I.Y. Health Insurance
  • Investigation and evaluation
  • Rest cure and rehabilitation; and respite care
  • Obesity and weight control management
  • Sterility and infertility treatments

Future Generali D.I.Y. Health Insurance (Other Benefits)

Future Generali D.I.Y. Health Insurance
  • Domiciliary hospitalisation
  • Daycare treatment
  • OPD charges
  • Cataract

Future Generali D.I.Y. Health Insurance (Eligibility Criteria)

Future Generali D.I.Y. Health Insurance
  • Min entry age: 17 Years
  • Max entry age: 70 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 15 L

Individual and Family Health Insurance

Future Generali Health Elite Plan

Future Generali Health Elite Plan

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

  • Holistic wellness cover
  • Maternity benefits
  • Global medical treatment

Future Generali Health Elite Plan (Pros)

Future Generali Health Elite Plan
  • Room rent covered
  • ICU charges
  • Pre and post hospitalisation
  • Domiciliary hospitalisation
  • Daycare treatment

Future Generali Health Elite Plan (Cons)

Future Generali Health Elite Plan
  • Congenital diseases
  • Change of gender treatment
  • Sterility and infertility treatment

Future Generali Health Elite Plan (Other Benefits)

Future Generali Health Elite Plan
  • Cataract covered
  • No claim bonus
  • Automatic restoration
  • Organ donor covered

Future Generali Health Elite Plan (Eligibility Criteria)

Future Generali Health Elite Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 6 Cr

Top Up and Super Top Up

Future Generali Advantage Top-up Plan

Future Generali Advantage Top-up Plan

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

  • Mental illness coverage
  • Nursing expenses cover
  • Affordable premiums

Future Generali Advantage Top-up Plan (Pros)

Future Generali Advantage Top-up Plan
  • Room rent
  • ICU charges
  • Pre and post hospitalisation
  • Daycare treatment

Future Generali Advantage Top-up Plan (Cons)

Future Generali Advantage Top-up Plan
  • Domiciliary hospitalisation
  • OPD charges
  • Automatic restoration

Future Generali Advantage Top-up Plan (Other Benefits)

Future Generali Advantage Top-up Plan
  • Organ donor
  • AYUSH treatment
  • Ambulance coverage

Future Generali Advantage Top-up Plan (Eligibility Criteria)

Future Generali Advantage Top-up Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

Future Generali Health Suraksha Plan

Future Generali Health Suraksha Plan

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

  • Free health check-ups
  • Compassionate travel
  • No pre-policy upto 50 years

Future Generali Health Suraksha Plan (Pros)

Future Generali Health Suraksha Plan
  • ICU charges
  • Pre-hospitalisation
  • Post-hospitalisation
  • Daycare treatment

Future Generali Health Suraksha Plan (Cons)

Future Generali Health Suraksha Plan
  • Domiciliary hospitalisation
  • OPD charges
  • Maternity cover
  • Newborn baby cover

Future Generali Health Suraksha Plan (Other Benefits)

Future Generali Health Suraksha Plan
  • Cataract
  • No claim bonus
  • Automatic restoration
  • Organ donor

Future Generali Health Suraksha Plan (Eligibility Criteria)

Future Generali Health Suraksha Plan
  • Min entry age: 18 Years
  • Max entry age: 65 Years
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Senior Citizen Health Insurance

Future Generali Varishta Bima Policy

Future Generali Varishta Bima Policy

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

  • Annual health check-up
  • In-patient treatment expenses
  • Multiple discount options

Future Generali Varishta Bima Policy (Pros)

Future Generali Varishta Bima Policy
  • Room rent
  • Pre-hospitalisation
  • Post hospitalisation
  • Day care treatment

Future Generali Varishta Bima Policy (Cons)

Future Generali Varishta Bima Policy
  • ICU charges
  • Domiciliary hospitalition
  • OPD charges
  • Organ donor

Future Generali Varishta Bima Policy (Other Benefits)

Future Generali Varishta Bima Policy
  • AYUSH treatment covered
  • Modern treatment
  • Health check-up
  • Co-payment

Future Generali Varishta Bima Policy (Eligibility Criteria)

Future Generali Varishta Bima Policy
  • Min entry age: 65 Years
  • Max entry age: No Limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 10 L

Critical Illness Health Insurance

Future Generali Criticare Plan

Future Generali Criticare Plan

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

  • Critical illness cover
  • Exhaustive cover benefits
  • Lump sum payout options

Future Generali Criticare Plan (Pros)

Future Generali Criticare Plan
  • Covers cancer
  • Kidney and liver failure
  • Primary pulmonary arterial hypertension

Future Generali Criticare Plan (Cons)

Future Generali Criticare Plan
  • Any PEDs or related medical conditions
  • Unnecessary or non-prescribed medical treatment
  • Maternity complications and external or internal congenital illnesses
  • Infertility and sterility treatment expenses

Future Generali Criticare Plan (Other Benefits)

Future Generali Criticare Plan
  • Multiple sclerosis
  • Major organ transplant
  • Open chest CABG

Future Generali Criticare Plan (Eligibility Criteria)

Future Generali Criticare Plan
  • Entry Age- Child: 6-25 years
  • Adult: 18-65 years
  • Initial waiting period: 90 days
  • Policy term: 1/2/3 years

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 Varishta Bima Policy: FAQs

1. What is Future Generali Varishta Bima policy?

It’s a senior citizen health insurance plan that covers your senior parent& 039;s healthcare expenses and supports them with their savings.

2. Who should buy the FG Future Varishta Bima health insurance?

Any senior citizen from age 60 and above should buy this policy as it won’t only provide them healthcare protection but also the satisfaction of being taken care of when in need.

3. Do I need any pre-policy medical check-ups to buy Future Varishta Bima?

Yes, a pre-acceptance medical check-up is required to buy this policy and the company will reimburse 50% of the expenses of check-ups.

4. Can I buy the Future Varishta Bima for my wife?

Yes, you can buy the Future Varishta Bima plan for your wife under the family floater option.

5. What are the sum insured options under Future Generali Varishta Bima& 039;s policy?

The sum insured options available under Future Varishta Bima are 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs, 7.5 Lakhs, and 10 Lakhs.

Explore Future Generali Health Insurance

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Simran Nirala

Written By: Simran Nirala

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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