Future Generali Health Insurance

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Future Generali
Health Insurance

Future Generali Health Insurance Company is a joint venture between the Future Group of industries, and Indian Company (its flagship chains in the supermarket sector viz. Food Bazaar, Big Bazaar and other retail stores that deal in fashion and electronics like Central, Home Town and E-Zone etc are well known) and Generali group, an Italy based Company. It offers various insurances like travel insurance, life insurance, home insurance and health insurance. Future Generali Health insurance offer an over all-rounder protection.

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On Future Generali Official Website

Updated: 18-05-2024 03:09:58 PM

Highlights Of Future Generali Health Insurance

Renewability Lifetime
Network Hospitals 4300+
Claim Ratio 75.72%
Waiting Period for Pre-existing Disease 4 years
Grievances Solved 99.73%

Types of Future Generali Health Insurance

Future Varishta Bima Health Insurance

Old age is an age at which even loved ones look at you with a sight of responsibility and as if you are a burden, hence it is very important to have a security to deal with any health illness issue at old age. Future Varishta Bima by Future Generali Health insurance plan is best for old age people.

Future Varishta Bima by Future Generali Health Insurance is a health insurance plan which is designed particularly for senior citizens. Anyone who is from 60 years age gets the benefit of the Future Varishta Bima cover to further continuous years till the lifetime of the policyholder. Future Varishta Bima is available on the individual and family floater basis.

Features of Future Varishta Bima Health Insurance

  • Policyholder enjoys the Inpatient Treatment such as coverage for Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home under the Future Varishta Bima.
  • Day Care Treatment expenses in which less than 24-hour hospitalisation is required, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses and road ambulance charges are also covered by Future Varishta Bima Policy.
  • Policyholder enjoys free annual medical check-up care.
  • Medical tests which are done at the empanelled diagnostic centre of Future Generali are valid for 30 days from the date of the test.
  • One can pay the premium amount with easy options available as monthly, quarterly and half yearly payment.
  • A Long-term discount up to 10% applicable in case of upfront premium payment for a long term policy is offered to the policyholder.
  • Premium amount paid by any mode other than cash payment is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
Eligibility Minimum-60 years
Maximum- No limits
Additional covers Road Ambulance charges, Free Annual medical check-up
Renewability Lifelong
Policy Term 1 to 3 years
Sum Assured 2 to 10 lacs

Exclusions Future Varishta Bima Insurance policy

  • Any Injury or Illness that is caused by or arising from or attributable to war, invasion, act of a foreign enemy, war like operations is excluded from the Future Generali Future Varishta Bima plan.
  • Any illness, diagnosed or diagnosable except those incurred as a result of Injury within the waiting period of 30 days is excluded from the Future Generali Future Varishta Bima plan.
  • Any sex change treatment or any treatment which is in any way related to sex change, hormone replacement treatment is also excluded from the insurance.

How to Buy Health Insurance Plan Online

t is very easy and simple to buy Future Generali Health Insurance online in following few steps-

01 : Get an Online Quote: Within a few minutes, you will be able to get free quotes.
02 : Select policy type: If you are in search of an individual health insurance plan, in this as well each and every member is liable to opt for a sum insured you opt. In a family floater, the sum insured is shared by all members of the family in the plan
03 : Fill in Your Proposal Form: You have to fill the proposal form and answer basic questions that would be related to medical history before you invest in a policy.
04 : Review Your Proposal: You must review your quote and check the proposal form to avoid any issue in future.
05 : Complete Your Purchase: After choosing the plan and premium click on ‘I agree’ tab, select a payment method (Credit Card/Debit Card or Net Banking) and pay securely with easy steps
06 : Download Your Policy: You can easily download your policy schedule. A copy of the same will be sent to your email address.

Renewal of Future Generali Health Insurance

Health is a very important factor that enhances the growth of a person in every aspect of life. Personal, professional, social, emotional and economical, all type of growth is directly related to the health status of an individual. Sometimes, not only the health of a person but the health of his/her loved ones hinder this growth. It can be due to any reason. Even if we get some minute symptoms of upcoming major health problem, we are so busy in running fast for achieving our dreams and success in life that we do not want anything to hinder our pace. Hence, health signals towards upcoming major health problems are ignored and that results in a bigger and much serious problem later on. Then, we look for different measures to tackle it, mentally, physically and above all economically. to deal with all such things, you need a health insurance plan and above all its is highly important to renew the existing health insurance on time. Health insurance renewal is like a duty that you have to do at the right time to avail several additional benefits

You can pay your renewal any plan by visiting our compare page section or the company renewal section. By filling basic details and making premium payment online in 3 simple steps by using a Credit Card, Debit Card, or through Net Banking you can easily renew your existing health insurance plan.

  • Step 1: Enter your policy number
  • Step 2: View policy and premium information and confirm the details
  • Step 3: Make your payment

Note- If you are a registered user then you can renew by logging in to your account and pay online using a Credit Card, Debit Card or through Net Banking.

Claim Process of Future Generali Health Insurance

At Future Generali Health Insurance, making a claim is simple and convenient. Future Generali has an in-house claim settlement process team that processes the insurance claims within 30 working days from the time you receive your last necessary documentation.

There are 2 types of health insurance claims one can make with Future Generali Health insurance policy-

Cashless Claim

The cashless claim can be made if the individual got treatment from the network hospitals of the Future Generali Health insurance policy.

  • In the network hospital, fill up duly signed pre-authorisation request form. Policyholders have to display their Future Generali Health card at the helpdesk.
  • The duly filled authorisation form is sent to the insurer.
  • After approval, the policyholder gets the benefit of cashless treatment.
  • On rejection, one can pay all bills and later apply for reimbursement claim.

Reimbursement Claim

Insured have to pay all the bills at first place and then within 15 – 30 days of the discharge of hospital, the insured member has to submit the duly filled request form.

Claims will be approved if everything falls under the terms and conditions of the policy.


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Future Generali India Insurance offers three simple ways to the clients for paying the health insurance policy premium

  • Auto Debit: You may forget your due date of premium policy, hence Sign a mandate at time of buying the policy, thus your premium will be deducted automatically from the bank account without any hustle.
  • Cash/cheque deposit at Bank
  • Direct online payment like debit/credit card and internet banking.

No, Domiciliary Hospitalisation and the day care treatment are not the same thing at all. Day care treatment is the treatment in which Policyholder who are treated even less than 24 hours. While domiciliary hospitalisation are referred to the Medical treatment that is administered while the patient is limited to the house.

Cumulative Bonus means an increase in the sum insured granted by the insurer without an associated increase in premium.

You will get an opportunity to float the amount of sum insured amongst the family member or the company etc employees under the Group Mediclaim Health insurance policy.

The third party administrator (TPA) that has been chosen by the insurance company authorizes certain hospitals to treat the insured without the insured paying any cash. This facility is available at only the Network hospitals.

Premium paid by any mode other than Cash / DD under the Policy shall be eligible for income tax benefit under Sec 80 D of the Income Tax Act and any amendments thereon.

In the event of hospitalisation even if you have a standard Mediclaim policy, you may have to make some “out of pocket” expenditure like food, conveyance etc. Hospital Cash will pay a fixed benefit amount for each day of hospitalisation to take care of such incidental expenses and thus reduce out of pocket expenditure. It is like an allowance to you.