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Future Generali Health Insurance

Established in September 2007, Future Generali India Insurance Company Limited is a joint venture between Future Group (a leading player of Retail Trade in India) and Generali (a reputed global insurance group of India). The company offers a wide range of products that are designed to fulfill the insurance needs of all types of customers, ranging from retail insurance, commercial insurance, personal insurance, and rural insurance. Future Generali aims at managing and mitigating risks of individuals and institutions by delivering relevant and accessible insurance solutions. At present, the company has served over 16 lakh happy customers and holds a record of settling approximately 2,10,000 claims every year.

Key Highlights of the Company

Incurred claim ratio (2019-20)62.52%
Network Hospitals 5,100+
Solvency ratio (2019-20)1.51
No. of policies sold (2019-20)81,072
Premium Underwritten (2019-20) Rs. 3,417.49 crores
Equity Share Capital (As on 31 March, 2020)Rs. 904.80 crores
Corporate AddressFuture Generali India Insurance Company Limited . Reg. No 132). CIN: U66030MH2006PLC165287. Unit No. 801 & 802, Tower C, 247 Embassy Park, LBS Marg, Vikhroli (West), Mumbai – 400 083

Future Generali Health Insurance Plans

Future Generali offers a vast variety in its health insurance category. There are around 15 health insurance plans offered by this company and all of them deal with fulfilling the diverse healthcare needs of the customers. Given below is a detailed explanation of all Future Generali Health Insurance plans. 

  1. Future Generali Health Super Saver
  2. Future Generali Health Total
  3. Future Generali Accident Suraksha
  4. Future Advantage Top Up
  5. Future Vector Care
  6. Future HospiCash
  7. Aarogya Sanjeevani Policy
  8. Future Criticare
  9. Surakshit Loan Bima
  10. Future Health Surplus
  11. Future Varistha Bima
  12. Future Health Suraksha 
  13. Future Aarogya Bima
  14. Saral Suraksha Bima

1. Future Generali Health Super Saver

Health Supersaver is a retail health insurance plan. This policy comes with 2 plan options- Health Super Saver 1X plan and Health Super saver 2X plan. Both these plans are available within individual and floater options and have a lifelong renewability option.

Features:

  • Sum insured options: This plan comes within a wide range of sum insured options ranging between Rs. 3 lakhs to Rs. 50 lakhs.
  • Inpatient Treatment: To offer wider coverage, it covers a variety of benefits such as cover for room rent, boarding, and nursing expenses.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age18 years70 Years
Policy period1 year

2. Future Generali Health Total

Future Generali Health Total is a comprehensive health insurance plan that offers wider protection by providing long term coverage. This plan is available under three different variants: Vital, Superior and Premiere.

Features: 

  • Mental Illness Cover- In addition to physical illness, this plan also provides cover for the expenses incurred on the treatment of mental illness. This benefit is offered as an OPD benefit under Superior & Premiere plan.
  • Restoration of the Sum Insured- Under this feature, 100% sum insured amount of the plan gets restored if in case of the sum insured and cumulative bonus gets exhausted due to claims payable.
  • Child Vaccination Benefits- This plan also offers child vaccination benefits under which the vaccination charges of children below 12 years of age are covered in the premiere category of this plan.

Eligibility Criteria: 

CriteriaMinimumMaximum
Policy period1 year3 years
Entry ageDay One up to any age

3. Future Generali Accident Suraksha

Accident Suraksha is a specially designed personal accident insurance coverage policy that provides financial protection to policyholders or their family members in the event of an unfortunate accident.

Features: 

  • Disability Benefits: This plan provides coverage to the policyholder for several cases of disability including permanent total disability, permanent partial disability, temporary total disability and death arising due to accidents such as disappearance and drowning.
  • Repatriation Benefit: The plan also comes with an in-built repatriation benefit under which an amount up to a maximum of 1% of the accidental death sum insured gets reimbursed for the repatriation/funeral expense of the insured person.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 3 years

Adult- 70 years

Child- 25 years

4. Future Advantage Top Up

Future Advantage Top up is a unique insurance plan that is designed to supplement the existing health insurance plan of the policyholder by allowing them to opt for higher sum insured over and above a deductible limit. This policy has a low premium rate in comparison to other traditional health insurance plans.

Features: 

  • Plan Options: There are two different plan options available within this plan- Supreme Plan and Elite Plan.
    • Supreme Plan- This plan provides coverage for all ailments including Heart-related conditions and Cancer.
    • Elite Plan- This plan provides cover for cancer and ailment related to Heart diseases only.
  • Loyalty discount: This plan offers a special 2.5% loyalty discount to the customers having an existing retail health insurance policy from Future Generali India Insurance Company
  • Premium Instalment Facility: Another special benefit of this plan is that it provides customers with the facility to pay the premium amount in instalments on a monthly, quarterly, and half-yearly basis.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- Day 1

Adult- Lifetime

Child- 25 years

Policy Term1 year3 years

5. Future Vector Care

This health insurance plan provides customers with a lump sum benefit upon the diagnosis and hospitalisation of the insured person due to serious diseases caused by vector-borne diseases.

Features:

  • Lump-sum payment: The complete sum insured amount in this plan is provided as a lump sum benefit to the policyholder in case he/she gets hospitalized due to any of the following conditions:
    • Malaria
    • Dengue
    • Lymphatic Filariasis
    • Kala-azar
    • Japanese Encephalitis
    • Chikungunya
    • Zika Virus
  • Long-term discount: With this plan, customers can also avail of long-term discounts of up to 7.5% by making an upfront premium payment for the long term policy.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry ageDay 165 years
Policy Term1 year3 years

6. Future HospiCash

Future Hospicash is a type of coverage plan that provides cash benefits in case of hospitalisation of the insured person. This plan is designed to cover the incidental expenses that are not included in the regular health insurance plans.

Features:

  • ICU Benefit Within the City of Residence: This benefit provides customers with twice of the per day benefit if the insured or his/her family member is hospitalised in an ICU within the city of their residence.
  • ICU Benefit Outside Your City of Residence: Under this benefit, customers are offered thrice of the per day benefit if in case the insured or his/her family members are hospitalised in an ICU outside their residential city.
  • Floater Benefit: This policy can be taken as a family floater plan which helps the customers to cover themselves and their family members (including spouse, and 2 dependent children until 25 years) under a single sum insured amount.

Eligibility Criteria: 

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 6 years

Adult- 65 years

Child- 25 years

7. Future Generali Aarogya Sanjeevani Policy

Aarogya Sanjeevani Policy by Future Generali Company is a standard health insurance plan that provides wider coverage at an affordable premium rate. This plan can be availed in both the options- individual and family floater.

Features: 

  • Hospitalization expenses: The plan covers a variety of hospitalization expenses including room rent, boarding and nursing expenses for a maximum amount of Rs. 5000/-, per day.
  • Sum Insured options: There are a variety of sum insured options available with this plan ranging from Rs. 50,000 to Rs. 10 lakhs.
  • Cataract treatment: This plan also covers expenses for cataract treatment of up to 25% of the sum insured amount of Rs. 40,000/-, whichever is lower, per eye.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 3 months

Adult- 65 years

Child- 25 years

Policy term1 year

8. Future Criticare Health Plan

Future Criticare is a critical illness insurance policy that provides lump-sum payment of the sum insured amount if in case the policyholder is diagnosed with any of the critical illnesses as mentioned in the policy.

Features:

  • Lump-sum benefit: One of the main benefits of this insurance policy is that it offers the cover amount in the form of a lump sum payment which helps the policyholder to manage his treatment and future expenses accordingly.
  • 12 critical illnesses covered: The policy covers the insured person against 12 different types of critical illnesses including cancer, kidney failure, heart attack, Open chest CABG and many more.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 6 years

Adult- 65 years

Child- 25 years

9. Future Generali Surakshit Loan Bima

Surakshit Loan Bima is a specially designed insurance policy that provides comprehensive protection to customers who have taken loans from any bank or financial institution. The plan helps the policyholder and their family members to repay the loan amount if any unfortunate event takes place with the policyholder. The cover amount is provided if any of the following incidents happen:

  • Maximum 18 listed Critical Illnesses
  • Personal Accident Insurance – Accidental Death or Permanent Total Disablement
  • Job Loss Insurance

Features: 

  • Plan options: This plan is available under a variety of plan options which include Plan A, Plan B, Plan C, Plan D, and Plan E. All these plans offer different categories of critical illnesses.
  • Personal Accident Cover: Another special feature of this policy is that it provides personal accident cover which can be utilised in case of accidental death and permanent total disability.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry ageAdult- 18 yearsAdult- 65 years
Sum insuredRs. 10,000Rs. 3,00,00, 000

10. Future Health Surplus

Future health surplus is a top-up health insurance plan that supplements the existing health insurance plan of the policyholder and allows them to opt for a higher sum insured amount over and above a deductible limit. This plan is also available on an individual & family floater basis.

Features: 

  • Inpatient Expenses: The policy covers a variety of inpatient expenses including room, board and nursing expenses for a minimum period of 24 hours.
  • Floater option: This plan is available under the family floater option which provides customers with coverage for spouses and children.
  • Sum Insured options: There are a variety of sum insured options available within this plan that range between Rs. 300,000 to Rs. 10,00,000.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 3 months

Adult- 65 years

Child- 25 years

11. Future Varistha Bima Policy

Future Varishta Bima is a senior citizen health insurance plan that provides cover to adults above the age of 60 years and offers continuous cover thereafter till lifetime. This plan is available both in the form of an individual policy as well as a family floater policy.

Features:

  • Family discount: This policy offers a family discount under which two or more family members can be covered in the same policy in case of an individual sum Insured option.
  • Long-term discount: Customers can avail of a special 10% long-term discount by making an upfront premium payment for a long term policy.
  • Instalment Facility: Another special benefit of this plan is that it offers the facility of paying the premium amount in instalments either on a monthly, quarterly or half-yearly basis.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age60 yearslifelong
Policy term1 year3 years

12. Future Health Suraksha Plan

Future Health Suraksha is a comprehensive family health insurance plan that offers wider coverage at affordable premium costs. The plan is available within 4 different options: Gold, Platinum, Topaz and Ruby. All these plans offer different ranges of sum insured options which are listed below-

Plan typeGold PlanPlatinum PlanTopaz PlanRuby Plan
Sum insured options (in Rs.)50,000, 1 Lakhs, 1.5 Lakhs, 2 Lakhs, 2.5 Lakhs, 3 Lakhs, 3.5 Lakhs, 4 Lakhs, 4.5 Lakhs, 5 Lakhs6 Lakhs, 7.5 Lakhs, 8 Lakhs, 9 Lakhs, 10 Lakhs1 Lakh, 2 Lakhs, 3 Lakhs, 4 Lakhs, 5 Lakhs6 Lakhs, 7.5 Lakhs, 10 Lakhs

Features: 

  • Loyalty discount: The plan offers a special 2.5% loyalty discount to the customers who have an existing/ separate Future Generali health insurance policy (other than Future Health Suraksha/ Personal Accident/ Travel).
  • Ambulance Expenses: Depending upon the plan opted by the customer, this policy provides emergency ambulance charges cover. Discount applicable on Gold or Platinum plan equals Rs. 2000 per hospitalization. For Topaz or Ruby Plan, the cover amount provided is up to ₹750/- per hospitalization and an overall limit of ₹1500/- per policy period.
  • Free Health Check-up: the plan also allows customers to avail free health check-ups at the empanelled diagnostic centres of the company after every four claims free years.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 3 months

Adult- 70 years

Child- 25 years

Policy term1 year3 years

13. Future Aarogya Bima Policy

This is an affordable health insurance policy that covers the entire family member of the policyholder. This policy can be taken for a newborn child to a senior citizen upto 70 years of age.

Features: 

  • Inpatient Treatment: The plan offers inpatient treatment cover which includes expenses incurred on room rent, nursing charges as provided by the Hospital up to 1% of the sum insured amount per day for non-ICU rooms.
  • No pre-policy check-up: There is no need to provide any pre-policy medical reports for the customers who are below 50 years of age, irrespective of the sum insured opted, subject to no medical declaration in the proposal form.
  • Family discount: Customers can avail of the special family discount if they opt to cover two or more family members in the same policy and under the individual sum insured option.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- Day 1

Adult- 70 years

Child- 25 years

Policy term1 year3 years

14. Saral Suraksha Bima

Saral Suraksha Bima by Future Generali Company is a personal accident insurance plan that protects the insured person against several cases of accidents including death arising due to accident, permanent total disablement and permanent partial disablement.

Features:

  • Worldwide Coverage: The insured person and their family members can avail of worldwide 24/7 coverage with this policy.
  • Additional Coverages: There are various optional coverages included under this plan such as temporary total disablement, hospitalisation expenses due to accidents, and education grant.

Eligibility Criteria:

CriteriaMinimumMaximum
Entry age

Adult- 18 years

Child- 3 months

Adult- 70 years

Child- 25 years

Why should you select Future Generali health insurance?

  • Network hospitals

When we talk about health insurance, cashless hospitalization plays a dominant role in determining the claim settling efficiency of the health insurance company. A company with a long list of network hospitals is more likely to settle the claims of its customers through a quick process in future. In the case of Future Generali, this company has partnerships with a wide range of network hospitals which helps customers in availing quick cashless hospitalization. At present, the company has nearly more than 5,100 network hospitals. 

  • Solvency Ratio 

The sole purpose of buying health insurance is to get access to quick financial support during medical emergencies. But in order to offer immediate support, it is essential for an insurance company to have sufficient funds so that it can meet the future claim needs of the customers. Therefore, it is important to collect good information about the company’s financial history before buying any insurance policy. A useful parameter that helps in the same regard is solvency ratio. This ratio is used to determine the financial soundness of a company. Future Generali has a good solvency ratio of 1.51. 

  • Claim Settlement Ratio

Another important aspect of health insurance is the claim settlement ratio of the insurance company. Customers are always advised to buy insurance from a company that is trustworthy and holds a good reputation in terms of the claim settlement process. If we talk about Future Generali insurance, the company has a professionally managed in-house claims process along with a claim settlement ratio of 94.85%.

  • Country-wide presence

Future Generali Insurance company has a PAN India presence with more than 118 branches located across several major cities in the country. This proves really beneficial for the customers and helps them to avail instant support from the nearest branch of their insurance provider. 

  • 24*7 Support Service

To provide customers with ease of service, Future Generali offers a dedicated and consistent customer support service. Customers can contact the company support team by calling at 1860 5003333 or 1800 220233. They can also send an email at the company’s official email address- fgcare@futuregenerali.in.

How does Future Generali calculate its health insurance plans’ premium?

Future Generali adopts the online approach to provide its customers with the premium estimates of their plans. Customers can get instant quotes about the premium rates of their insurance plans by following the steps given below-

  1. Visit the official website of Future Generali Insurance.
  2. Click on the ‘customer Support’ option available at the middle right side of the page.
  3. Select the ‘Form and Downloads’ tab from the menu bar.
  4. Pick ‘Premium Chart’ option from the drop down menu.
  5. Premium charts for all the plans will be displayed on the screen.
  6. Select your desired plan and download the form.
  7. Premium rates for different sum insured amounts will be given in the form. You can check the rates accordingly.

To help you understand better, we’ve created below a tabular representation of different premium rates of Future Generali Health Super Saver Plan (Individual Premium).

GenderNameAgeSum Insured AmountPremium Rate
MaleRaj25 yearsRs. 5,00,000Rs. 9,132
FemaleShamita30 yearsRs. 10,00,000Rs. 13,427
MalePraveen40 yearsRs. 20,00,000Rs. 20,957
MaleRaghav50 yearsRs. 25,00,000Rs. 32,508
FemalePrerna60 yearsRs. 50,00,000Rs. 71,279

Please note that the premiums given in this table are inclusive of 18% Goods and Services Tax.

How to avail of Future Generali health insurance plans?

Future Generali sells its health insurance products through two methods- offline and online. The list of plans that can be purchased online are: 

  • Health super saver
  • Health Total 
  • Accident Suraksha
  • Future Advantage Top-up
  • Future Vector Care
  • Future Hospicash

The online process of buying these insurance plans is given below- 

  1. Visit the official website of the company. 
  2. Click on the Menu bar located at the top right corner of the page. 
  3. Click on ‘Products’ and select the ‘health insurance’ tab.
  4. Select your desired plan.
  5. Fill in your details and click on ‘Proceed’. 
  6. Details of the premium amount will be displayed on the screen.
  7. Customise the plan, if required. 
  8. Click on ‘Buy Now’. 
  9. Submit your details and pay the premium amount. 

After receiving the payment, the company will mail the policy documents to your registered email address. Apart from the above-listed plans, customers can purchase other health insurance policies through the offline method which includes visiting the nearest branch of the company.

Renewal process of Future Generali health insurance plans

Future Generali Insurance group adopts a very simple and easy process for renewing the policies of its existing customers. Policyholders can now get their insurance renewed online within just a few minutes. Given below are the steps of the process: 

  1. Visit the official website of the company. 
  2. Click on the ‘Renew’ tab available on the top menu bar of the page. 
  3. Select ‘health insurance’ option. 
  4. Enter your policy number. 
  5. Customise your plan by opting for add on covers, if required. 
  6. Fill in the required details and pay the premium amount. 

Once the payment is received, the company will send the updated policy documents to your registered email address.

Claim process of Future Generali health insurance

The claims settlement process of Future Generali health insurance plans is very simple and easy. The claims are settled within a span of a few minutes. Customers can file their claim request online by filling the claim intimation form which is available online on the company’s website. They also have an option to file a claim offline. For that, they need to visit the branch office of the company. 

Given below are the list of documents that are required to be submitted while applying for a claim-

  • Future Generali Claim Form
  • Policy or Certificate Copy
  • Attending Doctor’s report
  • Original Admission
  • Discharge card
  • Original Bills with Receipts & Prescription
  • Original X-ray reports
  • Pathological 
  • Investigative reports, if any
  • Copy of passport
  • Visa with Entry & exit stamp
  • Copy of ticket and boarding pass

Frequently Asked Questions

1. Can I update my details after buying a policy? 

Yes, you can update your contact details by calling the helpline number of the company at 1800-220-233 / 1860-500-3333 / 022-67837800 or SMS SERVE to 9222211100. Once you are verified as an insured or an authorized person of the insured, then the company will place a request to update your contact details.

2. What are the critical illnesses covered in the Future Generali Criticare- critical illness plan?

There are 12 critical illnesses covered in the Future Generali Criticare plan. Given below are the details of the critical illnesses covered- 

  • Cancer (cancer of specified severity)
  • Kidney failure requiring regular dialysis
  • Primary pulmonary arterial hypertension
  • Liver failure
  • Multiple sclerosis with persisting symptoms
  • Major organ/bone marrow transplant
  • Open chest CABG (coronary artery bypass graft)Aorta graft surgery
  • Stroke leading in permanent symptoms
  • First heart attack (myocardial infarction) of specified severity
  • Coma of specified severity
  • Total blindness

3. Is it possible to cancel my insurance policy?

Yes, customers can request to cancel their policy by providing a request policy cancellation request to the company. The request should be accompanied with the following documents-

  • Insured’s name 
  • Policy number
  • Reasons for cancellation
  • The date at which you wish to cancel the policy.
  • All policyholder signatures – everyone listed on the policy needs to sign consent.

4. I need to clarify a few doubts regarding a health insurance policy that I’ve recently bought. How should I contact the company?

In case you need any assistance or help after buying your health insurance plan, you can call at the helpline number of the company at 1800-220-233 / 1860-500-3333 / 022-67837800 or send an SMS SERVE to 9222211100. The customer support agent of the company will contact you.

5. Does the Saral Suraksha Bima plan provide cover to the insured in case of any eventualities that occur while travelling abroad?

Yes, the Saral Suraksha Bima plan provides protection to the insured person worldwide. However, the coverage is not provided while travelling to countries where travelling is imposed or restricted by the Government of India.

6. Are there any exclusions to Future Generali health insurance plans?

Yes, Future Generali Insurance health plans come with a certain set of excluded conditions under which no coverage is provided to the policyholder. Here is a list of some commonly excluded conditions- 

  • Self-inflicted injury unless in self-defence or to save life, suicide or attempted suicide
  • Injuries arising due to intoxicating liquor or drugs or other intoxicants
  • Injury or treatments arising due to adventure sport activities
  • Injury arising or resulting due to any breach of law and with criminal intent.