Future Generali Group Health Insurance

Future Generali Group Health Insurance provides financial protection to the employees of an organization/company against medical expenses. If any insured person contracts any disease or sustains any bodily injury through an accident during the policy period, the insurer will cover all the medically necessary and reasonable charges up to the sum insured as mentioned in the policy schedule. Keep reading this page below and know about the Future Generali Group Health Insurance coverage in detail.

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Future Generali Group Health Insurance Base Cover

This policy shall cover the following medical expenses incurred during the policy period:

1. In-patient expenses
2. Daycare treatment expenses
3. Pre-hospitalization medical expenses up to 30 days
4. Post-hospitalization Medical Expenses up to 60 days
5. Domiciliary Hospitalization Expenses up to 15% of the sum insured.

Future Generali Group Health Insurance Optional Covers

The following optional covers are available under this policy

1. Extension for room rent
2. Maternity & Child Cover
3. Vaccination cover
4. Waiver of waiting periods
5. Extension for emergency ambulance
6. Extension for air ambulance
7. Deductible or Co-Payment
8. AYUSH Cover
9. Extension for Sum Insured
10. Coverage for non-medical expenses/devices
11. Organ donor expenses cover
12. Hospital Daily Cash Allowance
13. Attendants/Ayah/Nursing Charges for post-hospitalization
14. Dental cover
15. Vision cover
16. Health check-up
17. OPD Treatment cover
18. Extension for special illnesses as mentioned in the policy schedule
19. Wellness care
20. Home health care
21. Corporate Buffer
22. Critical Illness Cover
23. Waiver of specific exclusions

Waiting Periods

The insurer shall not be liable to make any payment under this policy during the following waiting period:-

1. Pre-Existing Disease – 48 months
2. Specified disease/procedure – 48 months (Any Internal Congenital Anomaly) and 12 months (Cataract, Benign Prostatic Hypertrophy, Hysterectomy/myomectomy for menorrhagia or fibromyoma or prolapse of the uterus, Hernia, Hydrocele, Fistula in the anus, Piles, Sinusitis and related disorders, Surgery for prolapsed intervertebral disc unless arising from accident, Surgery of varicose veins and varicose ulcers, Joint Replacement due to Degenerative condition, Age-related osteoarthritis and Osteoporosis
3. Initial waiting period – 30 days applicable to the treatment of illness

Exclusions from Future Generali Group Health Insurance

The insurer shall not be liable to make payments for a claim arising out of the following:

1. Any admission primarily for diagnostics and evaluation purpose
2. Admission primarily for enforced bed rest and not for receiving treatment
3. Obesity/ Weight Control Programs
4. Change-of-Gender treatments
5. Cosmetic or Plastic Surgery
6. Participation in Hazardous or Adventure sports
7. Treatment in any hospital or by any Medical Practitioner or any other provider specifically excluded by the insurer
8. Treatment for alcoholism, drug or substance abuse or any addictive condition and consequences
9. Treatments received in health hydros, nature cure clinics, spas or similar establishments
10. Dietary supplements and substances which are available naturally and can be purchased without prescription
11. Treatment for correction of eyesight due to refractive error less than 7.5 dioptres
12. Unproven Treatments
13. Birth control, Sterility and Infertility:
14. Medical treatments traceable to childbirth
15. Injury or Illness directly or indirectly caused by War, Invasion, Act of Foreign Enemy, Warlike operation
16. Vaccination/Inoculation (except as post-bite treatment)
17. Cost of durable medical equipment like a wheelchair, crutches, artificial limbs, belts, braces, stocking, etc.
18. Any dental treatment or surgery which is corrective, unless necessitated by illness or accidental bodily injury
19. Personal comfort and convenience items or services such as television, telephone, etc.
20. Any external congenital illness/disease/defect/anomaly
21. Sexually Transmitted diseases other than HIV/AIDS
22. Intentional self-injury
23. Injury or Illness directly or indirectly caused by nuclear weapons/materials
24. Alternative treatments except for Allopathic treatments
25. Stem cell storage
26. Outpatient Diagnostic, Medical and Surgical procedures/treatments
27. Non-prescribed drugs and medical supplies
28. Hormone replacement therapy
29. Any kind of Service charges, Surcharges, Admission fees/Registration charges, etc
30. Medical Practitioner’s home visit charges
31. Attendant/Nursing charges during pre and post-hospitalization period
32. Expenses related to donor screening, treatment, including harvesting of organs from the donor in case of a transplant surgery