Insurance Plans 180 views September 3, 2020

Mosquitoes cause suffering more than any other insect to human beings. As per the recent survey, over 1 million people worldwide die from mosquito-borne diseases every year. Not only do mosquitoes carry diseases that affect human health, but they also transmit several diseases. Mosquito vectored diseases include Malaria, Dengue, Lymphatic, Filariasis, Kala-azar, Japanese Encephalitis, Chikungunya, and Zika Virus. To get financial protection against these mosquito vectored diseases, Future Generali India Insurance Company Ltd. offers a health cover. Using the Future Generali Mosquito Insurance Plan, you can get a 100% lump sum payment of your Sum Insured. The policy comes with a term of 1-3 years and can be renewed for lifelong if the insured wants. Read this page, where you will learn about the coverage and exclusion related to the Future Generali Mosquito Insurance Plan.

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Coverage for Future Generali Mosquito Insurance Plan

If the insured is suffering from any of the following conditions, he/she will get a 100% lump sum payment for the hospitalization expenses.

  1. Malaria
  2. Dengue
  3. Lymphatic Filariasis
  4. Kala-azar
  5. Japanese Encephalitis
  6. Chikungunya
  7. Zika Virus

Who Gets Covered?

The Future Generali Mosquito Insurance Plan covers self, spouse, 3 dependent children up to 25 years unmarried and 2 dependent parents.

Pre-Medical Tests

The company won’t require any pre-medical check-up for the policy irrespective of the sum insured or the age of the insured.

Exclusions from the Future Generali Mosquito Insurance Plan

  1. Conditions other than the above-mentioned diseases
  2. Outpatient treatment
  3. Non-allopathic treatment
  4. Delayed medical treatment
  5. Diagnosis and treatment outside India, this exclusion may not apply to the following:- Canada, Japan, Dubai, Hong Kong, Malaysia, New Zealand, Singapore, Switzerland, USA, and European Union countries.
  6. Claims from outside India will only be accepted if it is in English.

Waiting Period

There is an initial waiting period of 15 days on the Future Generali Mosquito Insurance Plan from the date of commencement of health risk. And if the insured is suffering or suffered from any of the covered diseases, except Lymphatic Filariasis, 60 days before the proposal, the waiting period will increase up to 60 days. If the insured is suffering or suffered from Lymphatic Filariasis within 60 days before the date of the proposal, it would be excluded from the policy and the rest of the conditions will have a waiting period of 60 days.

Cooling Off Period

It is a no claim period where the insured can’t claim the policy for a covered condition from the date of admission.

Discount Offers

On your Future Generali Mosquito Insurance Plan, you may get a discount on a single premium payment for the long term insurance. Check out this table below to know how the discount is applicable.

Policy TermDiscount
1 yearNIL
2 year5%
3 year7.5%

Free-Look Period

The insurance company gives you at least 15 days to review the terms of the Future Generali Mosquito Insurance Plan and return the same if not accepted. Your free look period is applied from the date of inception of the policy. The following are the advantages the insured may claim in this period if he/she hasn’t made any claim.

  1. Refund of the paid premium minus the stamp duty charges and medical tests
  2. If the insured is diagnosed with any of the conditions and he/she returns the policy, the concerned individual is eligible for a deduction on the risk premium for the period on the cover.
  3. If only a part of the risk is commenced, the risk premium will be corresponding to the risk covered.

What are the Premium Options Available for the Future Generali Mosquito Insurance Plan?

You can pay a premium for your health insurance plan as per your need. The amount varies as shown in the table below.

Sum Insured (in INR)Premium Per Person (in INR)
10,000254
25,000461
50,000923
75,0001,384

Note: The premiums are subject to change as and when approved by the regulator.

Claim Process

To claim the Future Generali Mosquito Insurance Plan, you just need to submit an online application form. For further queries, you can contact the expert at 1800-220-233, 1860-500-3333, 022-67837800. You can also go to the branch office, fill out the claim form and submit it with the necessary documents. Alternatively, you can email the claim form to the official email address of the insurance company.

The claim process will be completed within 15 days from the date the company receives all the necessary documents along with the claim form. For updates, you can mention your email id and mobile number on the claim form. Following are the list of documents which you might need to claim the policy –

  1. Duly filled Future Generali Claim Form signed by the claimant along with the Medical Certificate Form filled, signed and stamped by the attending doctor.
  2. Original Discharge Card or Certificate from the hospital or nursing home
  3. Doctor’s consultation reports and medical history
  4. Original Hospitalization and other medical Bills or Receipts
  5. Cash Memos from hospital and pharmacies with proper prescription
  6. Investigation reports
  7. Medico-Legal Certificate (MLC) for accident cases

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