Future Health Suraksha Individual Plan

Future Health Suraksha is a health insurance plan designed for an individual’s basic health insurance requirements. The plan has all the rudimentary coverage options along with other additional features which make the coverage comprehensive in nature.

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cashless approvals
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lifelong renewability
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maximum increment

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Future Health Suraksha Individual Plan - Key Features

individual’s coverage
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The plan is designed only for an individual’s coverage. Children can too be covered under the plan if they are above 91 days of age and below 25 ye...

Sum Assured
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There are four plan variants which are Basic, Silver, Gold and Platinum. The Platinum plan is available for Sum Assured levels of Rs.6 lakhs and ab...

lifelong renewability
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The plan promises lifelong renewability.

maximum increment
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The Sum Assured is increased by 10% if a claim is not made in any year. The maximum increment allowed is limited to 50%.

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In case of hospitalization due to an accident, the Sum Assured is increased by 25% to a maximum of Rs.1 lakh.

Free health check-ups
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Free health check-ups are available after every 4 continuous policy years.

cashless approvals
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The plan provides cashless approvals within 90 minutes at across 4200 hospitals in 492 cities.

Future Health Suraksha Individual Plan - Benefits

Plan Benefits 

Being a health insurance plan, a range of benefits are provided under the plan which are mentioned below:


Premium rebates–

The plan offers a Family Discount. If more than one family member is covered under the same policy, a premium discount of 10% is allowed.

Cumulative Bonus –

For each year where the proposer has not made any claim in the policy, the Sum Assured is increased by 10% subject to a maximum of 50% increment in...

Portability –

If the proposer wants to port his existing health insurance plan taken from another company to this plan, he can do so. Such portability should be ...

Free Look Period –

A cooling off period or a free look period of 15 days is granted to the policyholder after the policy issuance to review the policy terms and condi...

Grace Period –

A grace period of 30 days is allowed for paying the premium after the due date during which the policy cover continues.

Working of the Future Generali Future Health Suraksha Plan

  • The policyholder chooses the Sum Assured. Based on the coverage amount and age, premiums are determined.
  • Claims paid under the plan would depend on the geographical location of the hospital where treatments are taken. The locations are sub-divided as follows:
Zones Cities
Zone A Mumbai, Delhi and NCR regions.
Zone B Chennai, Kolkata, Bangalore, Ahmedabad and Hyderabad.
Zone C Rest of India


  • The Platinum Plan has no sub-limits and entire claims are payable under it. Gold Plans are for Zone A region and pay 100% of the claim if treatment is taken in any of the above zones. The Silver Plan is for Zone B and pays 100% of the claim if treatment is taken in Zone B or C. However, for treatments taken in Zone A, only 80% of the claim is payable. Basic Plan is for Zone C which pays 100% claims only if treatment is taken in Zone C regions. For treatments taken in Zone A only 70% of the claim is payable while for treatments in Zone B 80% is payable.

Eligibility Criteria of Future Generali Future Health Suraksha Plan

The plan can be bought only by permanent Resident Indians for themselves. The other eligibility criteria of the plan include:

  Minimum Maximum
Entry age 90 days 70 years
Plan tenure 1 year
Premium payable Depends on the age and Sum Assured chosen
Sum Assured Age up to 55 years – up to Rs.10 lakhs
Age above 55 years – up to Rs.5 lakhs

Exclusions in Future Generali Future Health Suraksha Plan

  • Pre-existing illnesses are covered completely only after a continuous coverage period of 48months.
  • Specific treatments like cataract, hernia, fistula, joint replacement, etc. are not covered in the first two years of the policy.
  • Hospitalization within the first 30 days of the policy is excluded.
  • Maternity related coverage is not available.
  • Epidemic ailments and debilitating ailments are excluded.
  • Hospitalization due to suicide or self-inflicted injury, alcohol or drug abuse, participation in hazardous sports and activities, criminal act, war, commotion, consequential loss, pregnancy and related causes, defense related operations, curative treatments, aviation, radioactive contamination, circumcision, cosmetic treatments, STD or HIV, etc. would also be excluded.