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Saral Suraksha Bima, Future Generali India Insurance Company Limited is a standard product that offers an affordable Accidental Cover for you and your family.
Our Health Insurance covers Coronavirus* and Mental Illness* treatment
Home Health Insurance Health Total
PLAN OVERVIEWWHAT'S NOT COVERED?HOW TO BUY?AFTER PURCHASINGFAQ'S
Find out how this plan works for you
Health Total is a Comprehensive Retail Health Product with wider and long term coverage.
There are 3 different plans: Vital, Superior and Premiere. All plans are available with individual and floater option and with Lifelong renewal facility.
Family definition:
Vital Plan - Self, spouse, dependent children (unmarried and up to the age of 25 years) and dependent parents
Superior Plan & Premiere Plan - Self, spouse, dependent (unmarried and up to the age of 25 years) or non dependent children, dependent or non dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren (maximum up to 15 members).
Sum Insured available in the product are as below:
Policy Term:
Minimum Policy Term 1 Year
Maximum Policy Term 3 Year
Eligibility
Entry Age
Day One up to any age
Maximum Sum Insured
up to Rs 1 Crore
Pre Acceptance Medical Tests
Age upto 50 years in Vital plan:
Medical tests not required
Age above 50 years in Vital plan:
Medical tests required
Age From 18 years onwards in Superior plan:
Medical tests required
Age From 18 years onwards in Premiere plan:
Medical tests required
No tests required for children below 18 years for any plan.
** Age in completed yeasured is eligible for 100% of reimbursement of pre-acceptance medical tests charges subject to policy issuance & 64 VB compliance.re policy tests need to be done in the empanelled diagnostic center's only. test would be valid for a period of one month from the date the tests have been conducted
What's Covered
Expenses covered -
Hospitalization Medical Expenses, Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses, Organ Donor Expenses, Domiciliary Hospitalisation Expenses.
Restoration of the Sum Insured -
If the Sum Insured and Cumulative Bonus (if any) is exhausted due to claims payable, Restore Sum Insured (equal to 100% of the Sum Insured) will be automatically available for the particular Policy Year subject to T & C.
Maternity Expenses -
Maternity benefit with only two years of waiting period when both husband and wife are covered together
Mental Illness Cover -
Our Health Total now covers Mental Illness treatment at par with physical illness.
It covers Mental illness as per terms & conditions of the policy.
Covered as inpatient hospitalization
Covered as an OPD benefit under Superior & Premiere plan
Miscellaneous Coverages -
Patient Care, Accompanying Person, Road Ambulance Charges, Wellness Care, E-Opinion in respect of an Illness or Injury and Alternative Treatment
Accidental Hospitalization -
Increase in the Sum Insured by 25% of the available balance Sum Insured subject to maximum 10 lakhs in case of Accidental Hospitalisation.
Emergency Medical Evacuation (applicable for Superior Plan and Premiere Plan) -
We will reimburse expenses under this Benefit incurred for medical evacuation from the place of local Hospitalisation /Accident to any other Hospital within India.
Reimburse Expenses -
We shall reimburse expenses towards consultation, diagnostic tests and medications prescribed as per plan opted.
Child Vaccination Benefits (applicable for Premiere Plan) -
We will cover charges for vaccinations for child less than 12 years of age.
New Born Baby -
(applicable for Superior Plan and Premiere Plan)
Medical Treatment Abroad for listed conditions -
(applicable for Premiere Plan)
Additional covers -
Patient care, Accompanying Person, Road Ambulance Charges, E-Opinion in respect of an Illness or Injury, Alternative Treatment, Wellness Care
Cumulative Bonus -
50% for every claims free year to a maximum of 100% * Product coverage's applicable would be as per plan opted
Out Patient Medical Expenses -
Covers Mental Illness as well as Physical Illness.
** Outpatient medical expenses. (Applicable for Superior and Premier Plan)
In case of bills for any prescribed drugs/medicines, our liability will be restricted to 80% of admissible bills.
In case of dental consultations and diagnostics, our liability will be restricted to 70% of admissible bills.
Other Features
Family discount of 10% is available in case more than one person is covered in the same policy in case of Individual Sum Insured option.
Floater Discount:
Premium applicable for the primary insured will be the standard individual premiums. For remaining dependant members, floater discounts will be applicable on their respective premium as per their age.
Voluntary deductible discount:
Discount of 10% to 25% on premium as per the voluntary deductible and plan opted.
Long-term discount upto 10% applicable in case of upfront premium payment for long term policy.
Instalment Facility:
In case of policies which are on long term basis, facility of instalment payment is available monthly, quarterly and half yearly. Loadings maximum of 5% will be applicable on standard premiums as per the instalment frequency opted.
Loading on Claim experience:
There will be no loading on premium for adverse claims experience.
Tax benefit:
Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.
Copayment Applicability :
In case an insured enters the policy at age of 60 years and above , copayments will be applicable on each and every admissible claim
