Health Insurance Future Generali Health Insurance Health Absolute Plan

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Future Generali Health Absolute Policy

Future Generali Health Absolute is a comprehensive health insurance product that is specifically designed to empower policyholders in actively managing their health and leading a healthy lifestyle. You may cover the physical and mental health of up to 15 members of your family, irrespective of their ages.

The plan encourages clients to adopt healthy habits on a regular basis to maintain holistic health in addition to meeting their needs for a comprehensive product. This solution meets practically all healthcare needs, from improved mother and child care to wellness and value-added services, which are the product’s USPs. The plan comes in three variants: Classic, Platinum, and Signature.

Let’s discuss the plan in detail!

Eligibility Criteria

Minimum Entry Age	Child: 1 Day, Adult: 18 Years
Maximum Entry Age	Child: 25 Years, Adult: No Limit
Sum Insured	Classic: Rs. 3/5/10 Lakhs Platinum: Rs. 15/20/25/30/35 Lakhs Signature: Rs. 50 Lakhs, Rs. 75 Lakhs, Rs. 1 Crore
Renewal Age	Lifelong
Policy Term	1/2/3 Years

Key Frames Of Future Generali Health Absolute

The plan pays for the following costs:

Category	Classic	Platinum	Signature
Hospitalization Medical Expenses	Up To Sum Insured
Pre-Hospitalization Expenses	60 Days
Post-Hospitalization Expenses	90 Days	120 Days	180 Days
Daycare Treatment	Up To Sum Insured
Maternity Expenses (Normal Delivery)	For Rs. 3 Lakhs SI: Rs. 25,000 For Rs. 5 & 10 Lakhs SI: Rs. 30,000	For Rs. 15 Lakhs SI: Rs. 40,000 For Rs. 2o/25/30/35 Lakhs SI: Rs. 50,000	For Rs. 50/75 Lakhs & Rs. 1 Crore SI: Rs. 1 Lakh
Maternity Expenses (Caesarean Delivery)	3L S.I: Rs. 25,000 5L S.I: Rs. 35,000 10L S.I: Rs. 50,000	15 L S.I: Rs. 60,000 20 L, 25 L, 30L 35L S.I: Rs. 1,00,000	For Rs. 50/75 Lakhs & Rs. 1 Crore SI: Rs. 2 Lakhs
Newborn Baby Expenses	NA	Covered	Covered
Pre-Natal Hospitalization	30 Days	60 Days	90 Days
Post-Natal Hospitalization	45 Days
Organ Donor Expenses	Up To Sum Insured
Infertility Expenses	NA	Maximum Up To Rs. 50,000 Per Policy Year Lifetime Indemnity Limit Of Rs. 1,00,000	Maximum Up To Rs. 1,00,000 Per Policy Year Lifetime Indemnity Limit Of Rs. 2,00,000
Patient Care (Above 60 Years) – Per Day Benefit	Up To Rs. 350 Per Day	Up To Rs. 500 Per Day	Up To Rs. 1000 Per Day
Home Healthcare Expenses	Covered
Alternative Treatments	Covered On Reimbursement Basis Only
Medical Treatment Abroad	NA	NA	Covered After Waiting Period Of 4 Years
Road Ambulance Cover	Rs. 1500 Per Hospitalization	Rs. 2000 Per Hospitalization	Rs. 5000 Per Hospitalization
Emergency Medical Evacuation	AN	Covered	Covered
OPD Treatment	Covered
Child Vaccination Benefit	NA	NA	Rs. 5000 Per Year
Accidental Hospitalization	Covered

Upsides Of Future Generali Health Absolute

Here are some of the plan’s advantages:

Cumulative Bonus:

In case no claims are made by the policyholder or reported by the company, the plan will offer a 50% cumulative bonus for every policy year, subject to a maximum of 100% of the sum insured. The cumulative bonus accrued will be lowered if a claim is submitted in any given year at the same rate at which it has been accruing.

Restoration Of Sum Insured:

The plan will once per policy year restore the Sum Insured on an indemnity basis if the Total Sum Insured, including earned No Claim Bonus (if any), is insufficient as a result of claims made or accepted as receivable during the policy year.

Voluntary Deductible:

The plan will exceed the voluntary deductible amount on an aggregate basis for all claims made under the policy, with the exception of claims other than OPD treatment and wellness benefits, including claims related to any illness. This is the case if a voluntary deductible has been chosen and is in effect under the policy. In cases where co-payments are required, they will be added to the admissible claim amount after any applicable voluntary deductible has been applied.

Discounts:

The plan comes with the following discounts for the policyholder:

Individual SI Option: 10% Family Discount

Renewal Discount: When a policy is renewed, any reward points earned under the wellness benefit that has not yet been used will be applied as a renewal discount in the premium.

Long Term Discount: For 2 Years: 7.5%; For 3 Years: 10%

Wellness Benefits:

The insured person will be qualified for “Wellness Benefits” under the terms of the policy, which include value-added services and wellness reward points. These services might be obtained using the FG Insure App and will be provided by the company’s wellness partner. The wellness benefits are available to all insured individuals over the age of 18.

E-Opinion:

The plan also offers e-opinions in respect of illness or injury. This means the plan pays for the online consultations required due to an illness or injury.

Future Generali Health Absolute Premium

You might be curious about the cost of the Future Generali Health Absolute plan before deciding to purchase it. Although you may calculate the premium for the same on the company’s official website, we have also computed the cost of the plan based on the various alternatives for the sum insured. This will provide you with a good sense of the rate of the plan.

Name	Age	Policy Duration	Voluntary Deductible	Plan Type	Sum Assured	Premium Amount
Asha Rani	31 Years	1 Year	Nil	Classic	Rs. 3 Lakhs	Rs. 5,654
Devika Singh	35 Years	2 Years	Rs. 50000	Platinum	Rs. 15 Lakhs	Rs. 18,748
Madan Lala	45 Years	3 Years	Rs. 25000	Classic	Rs. 5 Lakhs	Rs. 20,246
Priyal Mehra	54 Years	1 Year	Nil	Platinum	Rs. 20 Lakhs	Rs. 26,456

What’s Not Covered Under Future Generali Health Absolute?

Let’s take a look at the exclusions under the plan!

Disease or injury brought on by fighting or combat actions

Circumcision, if not required

Vaccination (except as post-bite treatment)

HIV/AIDS and other sexually transmitted disorders

External congenital disorder or any illness or impairment that is associated

Direct or indirect use of nuclear weapons or materials that results in injury or disease

Non-prescription drugs

Sex-change therapy or hormone replacement therapy

Items for convenience and comfort

Dental treatment unless requiring hospitalization

Medical practitioner’s home visit fees

Intentional harm to oneself

Frequently Asked Questions

1. Does the Future Generali Health Absolute plan have any free look period?

Yes. The insured has at least 15 days from the date of receipt of the policy to study the terms and conditions and return the policy if necessary.

2. Is a pre-insurance medical examination required under the plan?

If the policyholder is below 50 years of age and has chosen the Classic variant, then there is no requirement for medical examination. However, if he/she is above 50 years of age and has chosen the Classic variant, a medical examination is required. For the Signature and Platinum plan variant, the policyholder needs to undergo a medical examination irrespective of his/her age.

3. Are there any waiting periods under the plan?

Yes. The plan comes with the following waiting periods:

Initial Waiting Period: 30 Days

Waiting Period For Listed Conditions: 2/3 Years

Pre-Existing Disease Waiting Period: 2 Years

4. Does the plan cover bariatric surgery?

Yes. The plan covers bariatric surgery for up to 50% of the sum insured.

5. How many e-opinions can I take under the plan?

You can take a maximum of 2 e-opinions per policy year.

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