The concept of health is wealth is now drilling into the minds of the consumers as hospitalization expenses are on a constant high. This is why health insurance plans are amongst the widely availed general insurance plans these days. There are several providers for medical insurance in India. Future Generali Health insurance is a leading provider amongst them. They have solutions that eliminate the financial stress out of hospitalizations.

Future Generali Health insurance consists of 4 plans. These plans are designed to offer comprehensive coverage for medical emergencies.  Let’s take a closer look at each of them –

Future Health Suraksha Individual

This Future Generali Health insurance plan is a comprehensive medical plan for you and your family. The policy extends to cover you, your spouse, 2 dependent children and 2 dependent parents. It features quick claim settlement process, innovative covers and much more. Under no claim bonus, the insured can avail cumulative bonus of 10% on the basic sum insured up to a maximum of 50% of the sum insured.Also, the insured can get tax benefits under this plan as per section 80 D of Income Tax Act. The other benefits offered by the policy is as below –

·         Cashless facility across hospital in India

·         Cover for pre and post hospitalization expenses,60 days prior up to 90 days after hospitalization

·         Ambulance charges covered up to Rs.1500

·         Cover for 130 Day-care procedures

·         Hospital cash benefit

·         Free Health check-up in our empanelled diagnostic centres after every four claims free years.

·         Patient care expenses up to a maximum of Rs.350 per day for persons above 60 yrs.

·         Accompanying person expenses up to Rs.500 per day for children up to 10 years.

·         Additional accidental hospitalisation limit enhanced by 25% of balance sum insured, subject to a maximum of 1 lakh

·         It  can be renewed lifelong.

·         Family discount of 10% is available in case more than one person is covered in the same policy.

·         Cover for pre-existing diseases after waiting period of 4 years

Future Health Suraksha Family

This plan is similar to Future Health Suraksha Individual; the difference is that one suminsured is shared by the entire family which includes you, your spouse and 2 dependent children. This plan too features quick claim settlement process, innovative covers, no claim bonus and cashless facility. You can save tax under section 80 D and avail cover for pre-existing diseases after 4 years of waiting period. The benefits offered include –

·         Cover for pre and post hospitalization expenses, 60 days prior up to 90 days after hospitalization

·         Ambulance charges covered up to Rs.1500

·         Cover for 130 Day-care procedures

·         Hospital cash benefit

·         Free medical check-up in the empanelled diagnostic centres after every four claims free years.

·         Patient care expenses up to a maximum of Rs.350 per day for persons above 60 yrs.

·         Accompanying person expenses up to Rs.500 per day for children up to 10 years.

·         Additional accidental hospitalisation limit enhanced by 25% of balance sum insured, subject to a maximum of ` 1 lakh

·          It  can be renewed life long.

·         Cover for pre-existing diseases after waiting period of 4 years

Future Health Surplus-

This Future Generali Insurance  is a high deductible health insurance plan which can also act as a top - up plan to your existing health insurance cover. This policy covers medical expenses incurred during hospitalization due to accident or illness. This product is available on Individual Sum Insured basis as well as Floater Sum Insured basis.Family floater is available with coverage for spouse and children. Insured can opt for Sum Assured from INR 3,00,000 to INR 10,00,000 subject to specific deductible . It  can be renewed life long. Premium paid is exempt under the Section 80 D of Income Tax.  Cover for pre and post hospitalization expenses, 60 days prior up to 90 days after hospitalization

Future Criti-care – For Individuals

This Future Generali Health insurance is a critical illness cover that can be availed for you and your family on individual basis. It essentially covers you against 12 illnesses.  In case the insured is diagnosed of any one of the diseases, the policy will offer a fixed sum assured, irrespective of the actual medical expenses and other health plans that cover the policy holder. Future Criti-Care covers certain medical illnesses and procedures after 90 days from the policy’s commencement; however, the insured has to survive for a period of 28 days from the date of diagnosis/ procedure and the condition is not pre-existing. This plan can be bought even if you are covered by other health insurance policies. The medical illnesses and procedures covered include –

·   Cancer

·   Kidney Failure

·   Primary Pulmonary Hypertension

·   Liver Failure

·   Multiple Sclerosis

·   Major organ transplant

·   Coronary artery bypass surgery

·   Aorta graft surgery

·   Stroke

·   First heart attack (myocardial infarction)

·   Coma

·   Total blindness