Future Generali Future Health Suraksha Insurance Plan
Future Generali Future Health Suraksha is a health insurance policy which pays for medical expenses incurred by any family member insured under the scheme. It covers any condition, injury or ailments diagnosed
Key Features of Future Generali Future Health Suraksha Insurance Plan
- Irrespective of the Sum Assured amount, there will not be any pre-acceptance medical tests up to 45 years
- Provides an enhanced sum assured for hospitalisation due to accident, subject to a maximum of Rs. 1 lakh
- Free medical check-up for 2 insured members, after 4 continuous renewal years
- Cashless claim settlement in empanelled hospitals
- Discount on policy renewals
What is covered in Future Generali Future Health Suraksha Insurance Policy
- Expenses that are incurred 60 days prior to hospitalisation and 90 days after hospitalisation shall be covered
- Day care procedures which do not require 24 hour hospitalisation
- Free medical check-up for 2 insured members (after 4 policy renewals).
- Accompanying person’s expenses up to Rs.500 per day
- Pre-existing disease covered (only after 4 consecutive renewals)
- Hospital cash
- Ambulance charges
Additional Benefits of Future Generali Future Health Suraksha Insurance Policy
- 25% enhancement on sum assured in case of hospitalisation due to accident
- 5% discount on renewal
Eligibility and Restrictions of Future Generali Future Health Suraksha
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Minimum
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Maximum
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Coverage Amount (in Rs.)
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2,00,000
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10,00,000
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Policy Term (in years)
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1
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1
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Entry Age (in years)
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90 days
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45
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Family floater policy will cover
- An individual and/or his spouse
- Dependent children
- Dependent parents
Tax Benefits in Future Generali Future Health Suraksha
Health Insurance premiums paid up to Rs. 15,000 in case of individuals and Rs 20,000 for senior citizens are allowed as a deduction from the taxable income each year under section 80D of the Income Tax Act.
Exclusions - What is not covered in Future Generali Future Health Plan
- Treatments within first 30 days of taking the policy
- Pre-existing conditions for first 4 yrs
- Non-allopathic treatment
- 2 yrs exclusion for cataract, tumor and hernia
- Diseases existing at birth
- 1 yr exclusion for renal stones, gallstones etc
- 3 yr exclusion on joint replacement surgery unless caused by accident
Alternate health insurance plans from other insurance companies
Bajaj Allianz Family Floater Health Guard
Cholamandalam Family Health
Max Bupa Heart Beat Health Insurance
New India Assurance Mediclaim
Other Health plans from Future Generali
Future Accident Suraksha Health Insurance
