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Health Insurance 526 views May 11, 2021
Future Generali Future Health Suraksha Plan will cover your medical expenses, so you won’t face any trouble when seeking medical treatment. You can purchase this plan on an individual or family floater basis. If you purchase the Future Generali Health Suraksha Insurance Plan on an individual basis, you will be eligible for a family discount of 10% for each additional family member. Key features of the Future Generali Future Health Suraksha Insurance Plan are as follows –
Keep reading this page and learn more about the benefits of the Future Generali Future Health Suraksha Insurance Plan
Table of Contents
The insurer will cover the following medical expenses if you or any of the insured members suffer an illness or injury and get admitted to the hospital as per your attending doctor’s advice –
The insurer will compensate for the medical expenses incurred 60 days before the date of admission to the hospital and 90 days after the date of discharge from it.
The benefits are available to the insured member whose age is above 60 years. Here, the insurer will provide coverage for the nursing charges if recommended by the treating doctor post-discharge from the hospital. Parent care benefit is subject to INR 350 per day or actual, whichever is less. This benefit shall be available to you up to 10 days per hospitalization, subject to a maximum of 30 days during the policy period.
Note – The coverage under this benefit is over and above the hospitalization sum insured.
In case of hospitalization due to an accident, the policy limit shall increase by 25% of the balance sum insured, subject to a maximum of INR 1 Lakh, irrespective of the number of claims in a policy period.
You’ll receive INR 500 for each completed 24 hours of hospitalization. And this hospital cash benefit is subject to a maximum of 60 days during this policy period. This benefit is applicable only if you choose a platinum plan.
Note – The coverage under this benefit is over and above the hospitalization sum insured.
The insurer will pay INR 500 for each completed 24 hours hospitalization if a dependent child up to the age of 10 years is admitted to the hospital. This benefit is payable to you, so you or any of your family members can visit the hospital without worrying about the expenses. Accompanying person benefit is payable to up to 30 days during the policy period.
Note – Accompanying person includes – mother, father, grandfather, grandmother and any immediate family member. This benefit is payable to you over and above the hospitalization sum insured.
You will get a cumulative bonus after every claim-free year, thereby raising your sum insured by 10% each time, subject to a maximum of 50%. If a claim arises, the policy cumulative bonus shall be reduced by 10% for each claim year. An increase or decrease in the cumulative bonus will be based upon the claims made in the previous year.
In case you port your health insurance to Future Health from another insurer, the accumulated cumulative bonus will be transferred as per the following conditions –
You will be entitled to the free health check-up benefit at the end of every 4th policy year, provided you haven’t filed any claim during the preceding years and the policy is in force without any break. You can apply for a free medical check-up by contacting the insurer. Free health check-ups will be conducted at the insurance company’s network diagnostic center. The insurer will cover the following expenses during the free health check-up –
The insurer is not liable for any transportation, accommodation or sustenance charge.
Note – The free health check-up benefit shall be available for any two insured members under the floater policy.
You can buy Future Generali Future Health Suraksha Insurance Plan if you meet the following age criteria –
No pre-acceptance medical tests are required if your age is less than or equal to 45 years, provided you don’t have any pre-existing health condition. If your age is 46 years and above, medical tests will be done in Future Generali’s empanelled diagnostic centers.
You can purchase Future Generali Future Health Suraksha Insurance Plan under Basic, Silver, Gold or Platinum Plan. The sum insured ranges from INR 50,000 – INR 50 Lakh, except for the Platinum plan where the sum insured ranges from INR 6-10 Lakh. You can enhance your policy sum assured at renewals as per the following condition –
Future Health Suraksha Plan policy term is of 1 year, and you can renew it as long as you want. The minimum and maximum premium amount for individual and family floater basis plan, excluding the applicable GST, are as follows –
Individual Plan –
Family Floater Plan –
Note – The premium amount will be based upon the sum insured, age, chosen plan option, etc.
You will have a 15-day free look period from the date of receipt of the policy during which you can review the terms and conditions of the same and return it to the insurer if not acceptable. On such cancellation, you will be entitled to a refund of the paid premium less propionate risk premium, medical examination expenses and stamp duty charges.