Future Aarogya Bima

Future Aarogya Bima is an affordable health insurance policy that covers entire family. It provides cover to anyone from day 1 to 70 years thereafter till lifetime. Available on Individual & Family floater basis.



Family Definition:
Individual option:
Self, Spouse, Up to 4 dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents.


What's Covered

Inpatient Treatment:
Room rent, Nursing Expenses as provided by the Hospital/ Nursing Home Up to 1% of the Sum Insured per day for non-ICU room.
Co-payment will be applicable in case of admission in a room with rent higher than the entitled room limit.

Other Inpatient Expenses
Medicines & drugs, Diagnostic Materials and X-ray, Operation Theatre Charges, Consultants, Specialists Fees etc

Other Expenses covered
Day Care Treatment expenses, Pre-hospitalization Medical Expenses, Post-hospitalization Medical Expenses.

Pre-Acceptance Medical Tests
No pre-insurance medical examination test is required if the Insured is up to 50 years of age, irrespective of the Sum Insured opted, subject to no medical declaration in the proposal form.

Mandatory Pre-insurance medical examination if the Insured is 51 years and above.

Insured is eligible for 50% 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

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

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.



Co-payment:
Co-payments shall be applicable on each and every claim on the admissible hospitalisation bill, excluding claim related to pre and post hospitalisation.

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 Floater Benefit:
Under a single sum insured, cover yourself and your Spouse.

2 Portability:
Port your existing policy with us to avail of benefits and services. Portability is as per the Portability guidelines of IRDAI.

3 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.

4 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.


Exclusions of this plan
External Congenital Anomaly and related Illness/ defect
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).

Waiting Periods
Waiting Period Diseases

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

48 months Pre-existing conditions, any medical expenses in connection with treatment for any mental Illness or psychiatric Illness, AIDS, HIV
24 months Internal Congenital Anomalies, Varicose veins and Varicose ulcers, Benign Prostatic Hypertrophy, Dysfunctional Uterine Bleeding, Hernia, Hydrocele, Fistula/ Fissure in Ano, Hemorrhoids
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)