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Future Generali Health Super Saver Policy

Health insurance policies have become part and parcel of life as it helps you to stay financially worry-free in the face of a medical emergency, and it protects you and your family health-wise. But sometimes, the premium amount that you have to pay for availing of the benefits of a health insurance plan is quite high and might not be affordable for you. Keeping in mind this nature of a health insurance policy, Future Generali Insurance Company has come up with a unique plan, Health Super Saver, that allows you to avail of a discount of 80% on the applicable premium, which is offered to the insured in case the initial years of plan tenure is claim free.

In case there is no claim paid for an insured in an individual policy, the Super Saver discount would be applied for that respective individual’s premium only. In case there is no claim paid for any of the insureds covered under the floater policy, the Super Saver discount would be applied to the total policy premium. In case of the claim paid for any insured under the floater policy, the Super Saver discount will not be applicable. This plan has cut down your expenses after a health insurance policy making your financial burden lighter. To know more about this plan, have a look at the following mentions.

Eligibility Criteria

ParametersDescriptions
Minimum entry ageProposer – 18 years, Child – From birth
Maximum entry ageProposer – 70 years, Child – 25 years
Who can be covered (Individual and family floater)Self, Spouse and up to 4 Children, 2 Dependent Parents and/or 2 Dependent Parents in law
Plan variantsHealth Super Saver 1X plan, and Health Super Saver 2X plan
Policy typeIndividual policy, Family floater policy
Policy termAnnual basis
RenewalLifelong renewability
Sum insured optionsRs. 3 lakhs, Rs. 4 lakhs, Rs. 5 lakhs, Rs. 6 lakhs, Rs. 10lakhs, Rs. 15 lakhs, Rs. 20 lakhs, Rs. 25 lakhs, and Rs. 50 lakhs
Cashless facilityAvailable

Understand the benefits of Future Generali Health Super Saver

This plan has come up with a sack full of benefits and facilities to safeguard you and your family in case of an emergency medical situation. The following table gives you a brief idea about this plan.

ParametersDetails
Hospitalization expensesCovered
Pre-hospitalization costs60 days
Post-hospitalization costs90 days
Day care treatmentCovered
Maternity expenses

Covered with a waiting period of 9 months, inclusive of pre-natal and post-natal hospitalization as per the plan

opted under the Base Sub Limits

Organ donor expensesHospitalization expenses are covered (excluding donor screening charges, pre, and post-hospitalization )
Alternative (AYUSH) treatmentsHospitalization for Ayurveda, Unani, Siddha, or Homeopathy is covered
Emergency ambulance coverCovered up to a maximum limit of Rs.1000 per hospitalization
Home health care services
  • Available through the company’s empanelled Service Provider or empanelled network on a Cashless facility basis.
  • Pre and post-hospitalization expenses (both inclusive) are restricted to up to 3% of the admissible claim amount.
Sub-limit for specified procedures
  • Base Sub-limits (Standard Option/ Double option/ Nil sub-limits option)
  • Mandatory Sub-limits for Modern Treatment Methods and Advancement in Technologies procedures
  • Optional Sub limits – applicable for sum insured from Rs. 3 Lakhs up to Rs. 10 Lakhs if the Insured has opted for it.
Free look period15 days
Tax exemption benefitPremium paid by any mode other than cash and demand draft is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
Waiting period

Initial – 30 days, except for the accidental hospitalization

Listed and specified conditions – 2 years

Specified procedures – 4 years

Pre-existing diseases – 2 years

Key highlights of Future Generali Health Super Saver

Apart from the above general benefits and facilities, this plan offers certain special advantages that have made the plan unique and popular among consumers. Here are the mentions of those s follows.

Super Saver Discounts:

With this plan, you can get the following discounts:

  • For the Health Super Saver 1X plan option, in case your first year of plan tenure is claim free, you are eligible for a Super Saver discount of 80% in the consecutive year.
  •  For the Health Super Saver 2X plan option, in case your first 2 years of plan tenure are claim free, you are eligible for a Super Saver discount of 80% for the next consecutive 2 years, or up to the first claim, whichever is earlier.
  • In case there is no claim paid for an insured in an individual policy, the Super Saver discount would be applied for that respective individual’s premium only.
  • In case of the claim paid in the first year under the 1X plan or in the first 3 years under the 2X plan for any insured under the individual policy, the Super Saver discount will not be applicable to the respective insured. However, at the time of the subsequent renewal year, Insured has an option to start a new plan tenure under 1X Plan or 2X plan. In such case, he/she will be covered under a separate policy with new plan tenure on an individual sum insured basis without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases.
  • In case there is no claim paid for any of the insureds covered under the floater policy, the Super Saver discount would be applied to the total policy premium.
  • In case of the claim paid for any insured under the floater policy, the Super Saver discount will not be applicable. However, the policy can be renewed with a new plan tenure under the 1X Plan or 2X plan without loss of continuity benefits such as waiting periods and coverage of pre-existing diseases.

Family Discounts:

10% discount is applicable in case two or more family members have been covered with an individual sum insured basis in the same policy.

Installment option (Monthly, quarterly, half-yearly) with Loading:

Loadings on the standard premium will be applicable in case the installment facility is opted for premium payment.

Installment frequencyLoading on standard premiums
Monthly5%
Quarterly4%
Half-yearly3%

Sub-limit for specified procedures:

You can avail of the benefits of the policy up to certain specified sub-limit:

  • Base Sub-limits (Standard Option/ Double option/ Nil sub-limits option)
  • Mandatory Sub-limits for Modern Treatment Methods and Advancement in Technologies
  • Optional Sub-limits – Applicable for sum insured from Rs. 3 Lakhs up to Rs. 10 Lakhs if the Insured has opted for it.

Loading and discount applicable for options under the sub-limits:

Loading applicable for Base Sub Limits options are as given below, loading will be applicable on the respective person’s premium.

OptionLoading (%)
Standard option0%
Double option22%
Nil Sub Limit Option30%

A discount of 5% shall be applicable on the respective person’s premium if an Optional Sub Limit is opted in the case of a family floater, the loading or discount will be applicable at the policy level.

Change in premiums:

Any change in premiums will be done with the approval of the IRDAI.

  • Revised premium will be applicable for all new proposals.
  • Revised premium will be intimated to renewals starting with new plan tenure at least 3 months in advance.
  • The existing rates will continue to be applicable for policyholders till the end of the ongoing plan tenure.

Other special features:

There will be no loading on premium for adverse claims experience. Portability and Migration can be availed of as per the IRDA guidelines.

Pre-policy medical check-up:

Pre-insurance medical examination for any individual is applicable as below:

AgeSum insuredMedical examination
Up to the age of 50 yearsUp to Rs. 20 lakhsNot required. Subject to clean proposal forms (without medical declaration)
Rs. 25 lakhs and Rs. 50 lakhsRequired
51 years and aboveAny sum insuredRequired

General Exclusions of Future Generali Health Super Saver

Understanding a policy is not completed if you do not go through the exclusions of the policy thoroughly. Therefore, to offer you a comprehensive idea of the policy and to avoid future complications, here are the exclusions of Future Generali Health Super Saver.

  • If you raise any claim against any ailment or condition that is still within the waiting period, the company will not approve the claim.
  • Any kind of medical expenses arising out of gender change procedures, plastic or cosmetic surgery will be excluded from the policy.
  • If you take part in any hazardous activities or adventurous sports such as mountaineering, sky diving, paragliding, etc., that will not be covered under this policy.
  • All expenses related to Sexually Transmitted Diseases other than HIV/AIDS will fall under the category of exclusions.
  • For any self-inflicted injury, suicide, or suicide attempt, the company will not be liable to pay the compensation.
  • Anything that does not satisfy the terms and conditions of the policy or the company will not be covered.
  • If there is any kind of breach of law, the policy will not provide the benefits.

Premium calculation of Future Generali Health Super Saver

Once you get to know the exclusions and inclusions of this policy, the next important thing is to understand how much premium value you need to pay to purchase this policy. Therefore, for your better understanding, here is an example.

Suppose Mr. Sen, a 36-year-old businessman bought Future Generali Health Super Saver for himself. Let us find out how much premium amount he has to pay to avail of the benefits of the policy for the given data.

ParametersCredentials
Age36 years
Cover forSelf
Policy typeIndividual
Sum insuredRs. 15 lakhs
Base sub-limitStandard option
Optional sub-limitNo
Premium modeSingle premium
Policy term1 year
Total premium amount including GSTRs. 15378
Premium break-up

Premium – Rs. 15332

Premium with Sub-limits – Rs. 15332

Online Discount – Rs. 2299.80

Premium without GST – Rs. 13032.20

GST – Rs. 2345.80

Now, the same Mr. Sen wants to cover his spouse under this policy as well. For the given criteria, let us find out how much premium value he has to pay to purchase this policy.

ParametersCredentials
Age

Self – 36 years, Spouse – 34 years

Plan typeFamily floater policy
Cover forSelf and spouse
Sum insuredRs. 20 lakhs
Base sub-limitDouble option
Payment modeSingle premium
Optional sub-limitNo
Policy year1 year
Total premium amount including GSTRs. 32241
Premium break-up

Self – Rs. 17760

Spouse – Rs. 8588.25

Premium – Rs. 26348.25

Premium with Sub-limits – Rs. 32144.86

Online Discount – Rs. 4821.73

Premium without GST – Rs. 27323.14

GST – Rs. 4918.16

Frequently Asked Questions

For the purpose of the Super Saver discount calculation, paid claims and outstanding claims are considered.

Increase or decrease in Sum Insured, change of sub-limit option, and/or change of plan are allowed only at the start of plan tenure.

The following conditions are applicable:

  • Insured is eligible for 100% reimbursement of pre-insurance medical test charges, subject to policy issuance and 64VB compliance.
  • All pre-insurance medical tests will have to be done at the Future Generali empanelled diagnostic centers only.
  • The test reports would be valid for a period of 30 days from the date of the test conducted.
  • Underwriting loading on the standard premium rates will be applicable based on the health status of the proposed Insured person.
  • It will take into consideration the adverse health conditions declared on the proposal form and the findings of the medical tests conducted.
  • Underwriting loading of premium will be applicable on the Insured’s premium in case of Individual policy and Floater policy.

If this policy is withdrawn in the future, the company will inform you about the same 3 months prior to the expiry of the policy.

The following modern medical procedures are covered under this policy:

  • Uterine Artery Embolization and HIFU
  • Balloon Sinuplasty
  • Deep Brain stimulation
  • Oral chemotherapy
  • Immunotherapy- Monoclonal Antibody to be given as an injection
  • Intra vitreal injections
  • Robotic surgeries
  • Stereotactic radio surgeries
  • Bronchial Thermoplasty
  • The vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
  • IONM – (Intra Operative Neuro Monitoring)
  • Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for hematological conditions to be covered.

Yes, the online buying facility is available for this plan.

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