Future Generali Health Total Plan

• In house cashless settlement of claims
• Restoration of Sum insured
• 3 plan options to choose from
• Miscellaneous coverages for benefit enhancement
• Comes with wider and long term coverage
• Lifelong Renewability
• Premium can be paid in installments

• Covers hospitalization expenses upto the limit of sum insured under the policy.
• Day care procedures mentioned under the policy are covered which require less than 24 hours of hospitalization.
• Pre & Post hospitalization expenses are covered upto the number of days depending upon plan variant opted.
• Domiciliary hospitalization covered upto 10% of the sum insured.
• Maternity expenses (for normal and cesarean delivery) and Pre & Post natal maternity hospitalization are covered under this plan as per the specified limits maximum upto 1 lac rupees.
• Organ donor expenses are covered under all variants of the plan upto the sum insured.
• Enhancement in sum insured by 25% of the remaining sum insured in case of accidental hospitalization.
• Additional Covers such as Patient care, Accompanying Person, Road Ambulance Charges, E-Opinion in respect of an Illness or Injury, Alternative Treatment, Wellness Care can be opted.
• No claim bonus of 50% for every claim free year upto the maximum of 100% of sum insured.

• Emergency medical evacuation expenses are reimbursed (available only with plan variants Superior and Premier).
• OPD Expenses are covered (available only with plan variants Superior and Premier).
• New born baby is covered as per the policy conditions (available only with plan variants Superior and Premier).
• Child Vaccination benefits and medical treatment taken outside India (for specified conditions) are available exclusively with Premier Plan variant.
• Tax benefit under section 80 D of Income Tax Act, 1961.

Co pay limits are 20%, if insured entry age is from 60 to 64 years, 25 % co pay for 65 to 69 years, 30% co pay for 70 to 74 years and 40% co pay for the insured of 75 years and above.

• Initial Waiting Period: 30 days waiting period for any kind of claims excluding accidental hospitalization.
• Specific Waiting Period: 2 years Waiting Period for specific conditions mentioned in the policy.4 year waiting period for joint replacement and organ transplant.
• Pre existing Disease Waiting Period: Any pre-existing condition is covered after the waiting period of 2 years of continuous coverage.
• Maternity Benefits: Maternity expenses are covered after 24 months of your enrollment with the company.

• External Congenital Anomaly and related Illness/ defect.
• Hormone Replacement Therapy
• Injury or Illness caused war, invasion, act of foreign enemy, warlike operations
• Treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs