Future Health Suraksha

Always Within Reach
There are 4 different plans: Gold, Platinum, Topaz and Ruby. All plans are available with individual and floater option and with Lifelong renewal facility.



Children
90 days 25 years.

Pre-Acceptance Medical Tests
Pre-insurance medical examination is not required for any proposer, up to the age of 50 years, irrespective of the sums insured subject to the proposal form is clean (without health declaration).

If any of the member is of the age up to 55 years with sum insured up to 3 lacs then no pre-acceptance medical test is required.

Insured is eligible for 100% reimbursement of pre-insurance medical tests charges, subject to policy issuance.

Medical Report Validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre

What's Covered
Inpatient Treatment
Room rent, board, nursing expenses for a minimum period of 24 hours.


Other Inpatient Expenses
Medicines & drugs, diagnostic materials and X-ray, operation theatre charges, consultants, specialists fees etc


Pre & Post Hospitalisation
From 60 days prior and 90 days post


Pre & Post Hospitalisation
From 60 days prior and 90 days post


Day Care expenses
Covers 409 procedures


Ambulance Charges
For Gold or Platinum Plan Up to 2000 per hospitalization

For Topaz or Ruby Plan Up to750/- per hospitalization and overall limit of 1500/- per policy period


Patient Care
For Gold or Platinum Plan Up to 500/- per day for those over 60 years

For Topaz or Ruby Plan Up to 350/- per day for those over 60 years


Accidental Hospitalisation
Limits can be enhanced by 25% of the sum insured on date up to maximum of 1 lakh.


Hospital Cash
Is available under Platinum or Ruby Plan


Accompanying Person
Up to 500 per day for child up to 10 years


Organ Donor Expenses
We will pay the Reasonable and Customary Charges incurred for an organ donor's treatment for the harvesting of the organ donated.


Recharge Benefit
Recharge benefit is applicable for all plans, where the basic Sum Insured opted is 3 Lakhs and above. If the basic 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 policy terms and conditions.


Cumulative Bonus
10% for every claims free year to a maximum of 50% of the Sum Insured.

Other Features
Family discount will be applicable in case more than one family members are covered in the same policy in case of Individual Sum Insured option.


Loyalty discount:
2.5% loyalty discount if the client already has a separate Retail Health insurance policy (other than Future Health Suraksha/ Personal Accident/ Travel) from Future Generali India Insurance Co. Ltd.

Long-term discount up to 10% applicable in case of upfront premium payment for long term policy.


Instalment Facility:
Facility of instalment premium payment is available on 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.

Top reasons why this plan is ideal for you
1 Portability
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

2 Free Look Period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.

3 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

4 Free Health Check-up
Get free health check-up at our empanelled diagnostic centers after every four claims free years subject to all required documentation/information being submitted.

Exclusions of this plan

Waiting Periods

Waiting Period Diseases
30 days Any illness, diagnosed or diagnosable except those incurred as a result of Injury

12 months Any medical expenses in connection with any types of gastric or duodenal Ulcers, stones in the Urinary and Biliary systems, Surgery on ears/ tonsils/ adenoids

24 months Congenital Internal Illness/ disease/ defect anomaly, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Surgery of Varicose Veins, Varicose Ulcers, Hysterectomy, Surgery for prolapsed inter vertebral disc unless arising from Accident etc
36 months Any medical expenses in connection with Organ transplant, Joint replacement Surgery due to Degenerative condition
48 months Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
Congenital External Illness/ disease/ defect anomaly.
Costs incurred on all methods of treatment including AYUSH treatments except Allopathic.

Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).

Hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change.

Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)

Vaccination/ inoculation (except as post bite treatment), cosmetic treatments, plastic surgery other than as may be necessitated due to an Accident or as a part of any Illness.

Treatment for sterility, infertility (primary or secondary), assisted conception