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Future Generali Health Insurance Plans

Future Generali Health Insurance Company

Future Generali - Health Insurance

Future Generali India Insurance Company Limited is an Indian enterprise jointly owned by two major organisations. The Future Group of India is one of the leaders of the retail industry while the Generali Group, an Italian business, is a global insurance giant. The company began in the year 2007 and has already cultivated a huge client base.

Future Generali India Insurance operates in two units. The life insurance unit deals with products like term insurance, retirement plans, etc. The Future Generali general insurance division sells health plans, travel insurance, vehicle insurance and other such products.

With the Indian market hold of the Future Group and 186 years of experience in insurance that the Generali Group brings, Future Generali is proving to be a great insurance company. The company has a huge corporate customer group with more than 2000 names in the list. Their mission is to become the go-to insurer of Indian citizens by delivering truly great service.

The health insurance policies are designed to cover customers from all classes and regions of India. This private insurance firm is all about quality service and products. It has an ISO certification for quality excellence.

Key Advantages and Features

The general insurance company has a great performance record. From offices in over 132 locations all over India, it caters to lakhs of customers.

The health insurance plans are comprehensive and customer-centric, so, products are available for all sorts of insurance needs. A benefit of buying from health insurance from Future Generali is the claims support and quick processing.

Highlights Of Future Generali India Health Insurance

  • You can avail cashless service from over 4200 centres in the Future Generali health insurance hospital list
  • Renewal is valid for the whole lifetime of the customer
  • You get a 15-day free trial period with every health insurance plan
  • Customers of more than four years are eligible for free medical check-ups if no claim was made
  • Future Generali health insurance toll-free no.is available for contact regarding any query
  • Medical costs before and after hospitalisation are also covered for a certain number of days
  • The network hospital locator can be accessed from the official site

Future Generali Health Total

Future Generali Health Total - a plan for comprehensive long-term coverage of individuals and families in 3 variations.

Entry Age eligibility

  • Minimum - one day
  • Maximum – no criteria

Sum Assured (in Rupees)

  • Vital plan – 3, 5, ten lakhs
  • Superior plan – 15, 20, 25 lakhs
  • Premiere plan – 50 lakhs, one crore

Premium (in Rupees)

  • Vital plan – 4,418 to 87,236
  • Superior plan – 8,018 to 116,036
  • Premiere plan – 37,637 to 478,455


  • Hospitalisation, pre- and post-hospitalisation expenses are covered
  • Day-care treatments and domiciliary treatments can also be claimed
  • Organ donor cost, maternity benefits, and ambulance charges are also covered
  • 100% restoration of insured sum in the same year if exhausted in previous claims
  • Expenses incurred during doctor consultation, diagnostic tests and medicines
  • Pre-existing conditions are covered after two years waiting period

Extra benefits

  • Newborn covers, vaccination covers, etc. is provided with premiere plan
  • Out-patient medical charges are reimbursed with superior and premiere plans
  • Discounts available for upfront payments and family floater policies

More details

  • Medical tests required after age 50 for the vital plan and after 18 for superior and premiere plans
  • Spouse, dependent children and parents, can be covered in the same plan
  • Up to 15 family members including siblings and parents-in-law can be covered in superior and premiere plans

Future Health Suraksha Individual/Family Floater Plan

a plan to counter the risks of financial crisis because of unanticipated medical costs

Entry age

  • Minimum – 18 years for adults and three months for children
  • Maximum – 70 years for adults and 25 years for children

Sum assured (in Rupees)

  • Below 55 years – maximum ten lakhs
  • Above 55 years – maximum five lakhs

Premium (in Rupees)

  • Starts at 713 for individual basic plan
  • Can go up to 11,633 for the platinum plan


  • Pre-hospitalisation expenses for 60 days and post-hospitalisation for 90 days
  • Ambulance cost with a limit of Rs.15 thousand
  • Pre-existing diseases are covered after four years of continuous renewals
  • Many day-care procedures and accidental hospitalisation can be claimed
  • Rs.500 per day provided for covering accompanying person during hospitalisation

Extra benefits

  • For renewal, customers get30 days of grace period
  • Pre-insurance health check-ups are waived for those below 45 years

More details

  • This policy can be easily bought online
  • Non-allopathic treatment or hospitalisation due to alcohol and drug abuse are not covered
  • Maximum sum assured for customers porting from another company is five lakhs

Future Health Surplus Top-up

a policy to encompass the expenses that your existing health insurance does not cover

Entry age eligibility

  • Minimum – 18 years
  • Maximum – 65 years
  • Children of age three months to 25 years can be covered if parents are also covered

Sum assured (in Rupees) 3, 5, 7 or 10 lakhs

Premium (in Rupees) 1,108 to 2,790 for individuals


  • Insured person can claim hospitalisation and in-patient expenses up to the maximum sum assured
  • External consultant fees, medicine expenses, operation charges are covered

Extra benefits

  • Quick cashless claim processing (90 minutes)
  • It is a flexible plan for the whole family

More details

  • Applicants over 55 years are required to undergo a medical test

Future Generali Accident Suraksha

a plan to protect individuals and families from the devastating consequences that accidents bring

Entry age eligibility

  • Minimum – 18 years for adults and five years for children
  • Maximum – 70 years for adults and 25 years for children

Sum assured (in Rupees)

  • 500, 1000, 2000 or 3000 per day (daily cash benefit)

Premium (in Rupees)

  • Plan A – 261 to 8660
  • Plan B – 287 to 9536
  • Plan C – 301 to 10002
  • Plan D – 318 to 10515


  • Death or permanent total disablement and permanent partial disablement are covered
  • Temporary total disablement is covered for class 1 and class 2 customers
  • Hospital cash benefit and home/vehicle modification allowance are a part of the plan

Extra benefits

  • The coverage is applicable worldwide
  • Family discount of 10% on the premium paid
  • No medical check-up is required for buying the policy

More details

  • Family transportation allowance (maximum Rs.50 thousand) is also paid
  • Add-on covers like child education support are available

Additional info

  • Income criteria is applicable while choosing sum assured