Health Insurance 659 views May 19, 2021

Future Generali Health Total Plan provides comprehensive health coverage to yourself and your family against medical treatment expenses. Available on an individual and family floater basis, this plan from Future Generali comes with three options from which individuals can choose according to their health requirements. You can ensure wider and long-term coverage by purchasing this plan as it also offers multiple sum insured options with a lifelong renewability option.

To get a brief idea about Future Generali Health Total Plan, let’s look at its key features mentioned below.

  1. Flexibility to choose from 3 plan options
  2. Multiple sum insured options
  3. Day Care treatment expense
  4. Pre and post-hospitalization expenses
  5. Maternity coverage
  6. Accidental Hospitalization
  7. Road Ambulance Charges
  8. Child Vaccination Benefits
  9. No pre-acceptance medical tests up to 50 years of age
  10. Family and long-term discount
  11. Tax Benefits under Section 80D of the Income Tax Act, 1961

Now you would be curious to understand these features in detail? Here, we will discuss the same along with its exclusions so that you can make a better decision. Let’s start right away!

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Features and Benefits of Future Generali Health Total Plan in Detail

Future Generali Health Total Plan ensures complete care of your health as it provides coverage for nearly all your medical needs. We are discussing its prominent features and benefits below. Please check!

Flexibility to Choose Plan and Sum Insured Options

Future Generali Health Total Plan offers three options – Vital, Superior and Premiere Plan. These plans have different sum insured options (ranging from INR 3 lakh to 1 crore) that you can check in the below table.

Plan OptionsSum Insured Options (In INR)
Vital3 lakh/ 5 lakh/ 10 lakh
Superior15 lakh/ 20 lakh/ 25 lakh
Premiere50 lakh/ 1 crore

Under these plans, policyholders can choose the sum insured on an individual and family floater basis. To know the definition of family under them, check the below table.

Plan OptionFamily Definition
VitalSelf, spouse, dependent children (unmarried and up to the age of 25 years) and dependent parents
Superior and PremiereSelf, spouse, dependent (unmarried and up to the age of 25 years) or non – dependent children, dependent or non – dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren (up to 15 members)

Pre-and Post-Hospitalization Expenses Coverage

Future Generali Health Insurance Total Plan provides coverage against expenses incurred 60 days before the hospitalization and 90 to 180 days (depending on the plan option) after discharge from the hospital. The coverage amount will be up to the sum insured limit.

Day Care Treatment Coverage

Irrespective of the plan option chosen, policyholders will get coverage against day care treatments (treatments that do not require 24-hour hospitalization) up to the sum insured limit.

Maternity Benefit

This comprehensive health insurance plan from Future Generali also covers maternity expenses in both normal and LSCS (caesarian). For normal delivery, the coverage amount will range from INR 15,000 to 50,000, while under LSCS delivery, it ranges from INR 25,000 to INR 1,00,000.

Child Vaccination Benefit

Under the Premiere Plan option, policyholders will also get child vaccination benefits up to 12 years of age. This benefit can go up to INR 5,000 per policy period.

Patient Care Benefit

Policyholders above 60 years of age will also get patient care benefits in the form of daily allowance during hospitalization. This benefit amount ranges from INR 350 – 1,000 per day up to 10 days per hospitalization (with a maximum of 30 days per policy year).

Accidental Hospitalization

In case a policyholder meets with an accident and requires hospitalization, this plan offers an increase in the sum insured by 25% of the available sum insured (up to INR 10 lakh).

Emergency Medical Evacuation

On choosing the Superior or Premiere option under Future Generali Health Total Plan, policyholders will get reimbursement against expenses incurred on medical evacuation from the place of local hospitalization/accident to any other hospital across India. The reimbursement amount can be up to 5% of the sum insured.

Road Ambulance Charges

If a policyholder needs to be immediately transported to a nearby hospital via an ambulance, this plan also covers the expenses incurred depending on the type of hospital. In the case of a network hospital, you will get coverage against the actual cost. However, in the case of a non-network hospital, the reimbursement amount will range from INR 1,500 – 5,000 depending on the plan option.

E-Opinion Facility

Under all the plan options, policyholders can avail of the e-opinion facility for a maximum of 2 illnesses or injuries in a policy term.

Family and Long-Term Discount

In the case of the individual sum insured option under the Future Generali Health Total Plan, policyholders will get a family discount of 10% on the premium if more than one person is covered in the same policy. Also, if you pay the premium for a long-term policy upfront, you will get up to a 10% discount.

Pre-Acceptance Medical Screening

On choosing Vital Plan, policyholders up to 50 years of age don’t need to undergo medical tests before purchasing the same. However, people above 50 years would need to undergo medical tests. In the case of Superior and Premiere Plan, individuals above 18 years require to go through a pre-acceptance medical screening.

What is the Policy Term?

For the Future Generali Health Total Plan, the minimum policy term can be one year, while it can go up to 3 years.

What is the Minimum Premium Amount?

The minimum premium amount stands at INR 4,418 per year for a sum insured option of INR 3 lakh for individuals between 1 day to 17 years. Individuals can also choose from different premium payment options – Monthly, quarterly, half-yearly and annually.

What is Not Covered Under the Future Generali Health Total Plan?

In the case of the following situations, policyholders will not be covered under the plan.

  1. Annual health check-up cost
  2. Charges incurred at a hospital primarily for diagnostic, X-ray, or laboratory examinations
  3. Injury or illness directly or indirectly caused by or arising from or attributable to war, invasion, the act of a foreign enemy, warlike operations (whether war is declared or not)
  4. Circumcision (unless necessary for the treatment of an illness)
  5. Vaccination/inoculation (except as post-bite treatment)
  6. Cosmetic treatments (for change of life or cosmetic or aesthetic treatment of any description), plastic surgery (other than due to an accident or as a part of any illness), refractive error corrective procedures, experimental, investigational or unproven/experimental treatment
  7. Cost of spectacles and contact lenses, hearing aids, durable medical equipment
  8. Expenses incurred towards the treatment of illness or injury due to use/misuse or abuse of alcohol, narcotic substance, or drugs (whether prescribed or not)

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