Future Generali India Arogya Sanjeevani Policy

Insurance Policies play a vital role in covering various types of risk. One always takes an insurance plan to cover future emergencies. Similarly, many individuals prefer a health plan but due to lack in coverage of various diseases, they reject the plan. So, here is a plan for you, known as the Future Generali India Arogya Sanjeevani Policy that covers various types of health risks. You can add your family members and loved ones to this plan providing them the coverage. On the other hand, there are various options for choosing the Sum Assured as per your needs and it has to be decided at the time of inception of the policy. You must see other features of this health insurance plan.

Key Features of Future Generali Arogya Sanjeevani Plan

1. Flexibility of adding the family members to the plan.
2. Flexibility of choosing the Sum Assured at the time of buying the plan.
3. There is no need for any medical check-up until the age of 50 years.
4. AYUST treatments are also covered in this health plan.
5. Get a cashless facility at the network hospitals that would save a lot of time.
6. Get a rebate on taxation under section 80D as per the tax laws.
7. 90 days is the minimum age of entry for a dependent child.

Benefits of Future Generali India Arogya Sanjeevani Policy

This company will give you various coverage under this health plan. You can tackle the health emergencies easily if you are covered under this plan. So, you just explore all the benefits below.

Hospitalization Cover

You will get a reimbursement for the blood tests, Bed-charges, nursing charges, ICU Charges, and other consultation fees in this plan if you are hospitalized. You can see them below:-

1. Room’s Rent reimbursement is 2% of the Sum Assured of up to Rs.5000.
2. ICU’s Rent reimbursement is 5% of the Sum Assured of up to Rs.10000.

Pre and Post-Hospitalization Cover

Pre-hospitalization expenses prior to 30 days to hospitalization and the Post-hospitalization expenses until 60 days are also covered in this insurance plan.

Cataract Expenses Cover

Treatment of Cataract Illness will also be reimbursed in this health insurance plan. The reimbursement for the cataract risk will be the lowest of the following:-

1. 25% of the Sum Assured
2. Rs.40000

Day Care Treatment Risk

The treatment of the disease done within 24 hours and you are not hospitalized are covered in this insurance plan. The first aid received within a day without being hospitalized to the hospital is known as the daycare treatment.

Dental Treatment and Plastic Surgery Expenses

The Dental Treatment and Plastic Surgery expenses are covered if they are needed due to any other disease and the expenses will be borne by the company under this insurance plan. The insured or the family members will get reimbursement for all the expenses incurred in the Dental Treatment and Plastic Surgery.

AYUSH Treatment

All the expenses related to the AYUSH Treatment will be reimbursed by the company in this plan. AYUSH treatment is known as the Ayurveda, Unani, Siddha, and Homeopathy treatments, and all the expenses incurred for these treatments are covered in this plan.

Other Diseases Coverage

You will receive 50% of the Sum Assured in the Future Generali India Arogya Sanjeevani Policy if you are going through any treatment mentioned below:-

1. Uterine Artery Embolization and HIFU (High-Intensity Focused Ultrasound)
2. Balloon Sinoplasty
3. Deep Brain Stimulation
4. Oral Chemotherapy
5. Immunotherapy – Monoclonal antibody to be given as an injection
6. Intravitreal injections
7. Robotic Surgeries
8. Stereotactic radio surgeries
9. Bronchial Thermoplasty
10. Vaporisation of Prostrate (Green Laser treatment of Holmium laser treatment)
11. IONM – (Intra Operative Neuro Monitoring)
12. Stem Cell Therapy

Ambulance Cover

The ambulance services are too costly these days. So, this plan will cover the ambulance expenses as well and it will be a maximum of INR 2000 per hospitalization.

Cover your Family

You can add your loved ones to this heal policy. See the members below that can be added to the plan.

1. Spouse
2. Children
3. Parents
4. In-laws

No Claim Bonus Benefit

The company will give you 5% of the sum assured as no claim bonus if you don’t make any claim in a year. The company will keep on adding 5% as a bonus until and unless it reaches 50% of the sum assured. But it will be only added to the sum assured if you don’t make any claim in a year.

Eligibility Criteria of Future Generali India Arogya Sanjeevani Policy

Waiting Period of this Health Plan

There is a waiting period of 2 years and 4 Years in this insurance plan. You can see them below:-

Waiting Period of 2 Years

1. Internal Congenital Anomalies
2. Varicose Veins and Varicose Ulcers
3. Calculi in the urinary system, Gall Bladder, and Bile duct, excluding malignancy
4. Prolapse inter Vertebral Disc and Spinal Diseases unless arising from an accident
5. Pilonidal sinus, Sinusitis, and related disorders
6. Piles, Fissures and Fistula in anus
7. Non-Infective Arthritis
8. Hydrocele
9. Hernia of all types
10. Gout and Rheumatism
11. Gastric/ Duodenal Ulcer
12. Cataract and age-related eye ailments
13. Benign prostate hypertrophy
14. All internal and external benign tumors, cysts, polyps of any kind, including benign breast lumps
15. Hysterectomy
16. Tympanoplasty
17. Mastoidectomy
18. Adenoidectomy
19. Benign ENT disorders
20. Tonsillectomy

Waiting Period of 4 Years

1. Treatment for joint replacement unless arising from an accident
2. Age-related Osteoarthritis & Osteoporosis