Future Health Suraksha
We value your familys health as much as you do.
coverback65
Future Groups and Generali Groups liability is restricted to the
extent of their shareholding in Future Generali India Insurance
Company Limited.
Future Generali India Insurance Company LimitedRegn. No.:
132
Regd and Co. Office: Indiabulls Finance Centre, Tower 3, 6th
Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai - 400013.Email:
[email protected]
ARN: FG-NL / PD / MKTG / EN / FHS(FP)- 001BR UIN: IRDA / NL -
HLT / FGII / P-H / V.I / 71 / 13 -14ISO Ref. No.: FGH / UW / RET /
04 / 02
Disclaimer: For detailed information on this product including
risk factors, terms and conditions etc., please refer to the
product brochure, consult your advisor or visit our website before
concluding a sale. Tax Benefits are subject to change due to change
in tax laws. Insurance is the subject matter of solicitation.
Family Plan
Presenting a wide network of hospital tie-ups across the
nation.
The Generali Group has been a leading provider of insurance and
financial services in the global market for nearly two centuries.
Generali is a name that has become synonymous with security and
reliability for millions of clients around the world.
The Future Group understands what makes you different and offers
you services and products that exceed your expectations. With more
than sixteen million square feet of retail space and a presence
across the country in different formats, the Future Groups vision
is to deliver
everything, everywhere, every time, to every Indian consumer in
the most profitable manner. The group considers Indianness its core
value and its corporate credo is Rewrite Rules, Retain Values.
Future Generali is the coming together of these two caring
entities. We offer an extensive range of general insurance
products, and a network that ensures we are close to you wherever
you go. Our skilled and trained individuals understand your
insurance needs and will create customised solutions for you.
Call us at: 1800-220-233, 1860-500-3333, 022-6783 7800SMS FG to
567678.Website: www.futuregenerali.in
Basis of claims paymenta) We shall make payment in Indian Rupees
only.
b) In respect of surgery for cataracts (after the expiry of the
2 year period referred to in Exclusion 2) above, liability shall be
restricted to 10% of the Sum Insured for each eye, subject to a
minimum of ` 15000 (or the actual incurred amount whichever is
lower) and maximum of ` 50,000/- per eye. This will be our maximum
liability irrespective of the number of Health Suraksha policies
You hold.
c) The payment of claim under the medical Section will be as
follows
Basic Plan is for insured who has paid the premium for Zone C
region which comprises of rest of India excluding Zone A and Zone
B. The eligibility of the claim amount will be 100% for Zone C, 80%
for Zone B and 70% for Zone A subject to the Policy terms and
conditions.
*The percentage of amount shown in the above table is with
respect to the eligible claim amount.
**The co-payment stands waived for all plans in case of claims
due to any of the medical emergencies stated below
1) Acute Myocardial infarction 2) Major Accidents requiring
immediate hospitalisation and treatment 3) Acute Cerebrovascular
Accident 4) Third degree burns
Benefits may vary from plan to plan. For further details, please
refer to the policy wordings.If you are suffering from an illness /
disease or if you meet with an accident which requires
hospitalisation, please contact us on the following
Claims DepartmentFuture Generali Health (FGH)Future Generali
India Insurance Co. Ltd.Office No. 3, 3rd Floor, A Building , G - O
- SquareS. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad,
Pune - 411 057.
Toll Free Number : 1800 103 8889Toll Free Fax : 1800 103
9998Email: [email protected]
The geographical zones for specific plans as mentioned above are
based on the location of the hospital where treatment is taken and
not the residence of the insured.
Platinum plan is for Insured who have paid premium for sum
insured 6 lacs and above.
Gold Plan is for insured who paid the premium for Zone A region
which comprises of Mumbai including Thane and Panvel, Delhi
including NCR (National Capital Region). The eligibility of the
claim amount will be 100% for all the Zones subject to the Policy
terms and conditions.
Silver Plan is for insured who paid the premium for Zone B
region which comprises of Chennai, Kolkatta, Bangalore, Ahmedabad
and Hyderabad. The eligibility of the claim amount will be 100% for
Zone B and Zone C, 80% for Zone A subject to the Policy terms and
conditions.
Platinum Plan
Benefit Plan Zone A
No sublimit applicable
100%*
80%*
70%*
100%*
100%*
80%*
100%*
100%*
100%*
No sublimit applicable
No sublimit applicable
Zone B Zone C
Gold Plan
Silver Plan
Basic Plan
The brochure / prospectus mentions the premium rates as per the
age slabs / sum insured and the same would be charged as per the
completed age at every renewal.The premiums above are subject to
revision as and when approved by the regulator. However such
revised premiums would be applicable only from subsequent renewals
and with due notice whenever implemented.
One Adult + 2 Children Basic Plan Floater Premiums
SI/Age in yrs
200000 300000 400000 500000
3100427150047137
3467479157207779
4315569368999642
618183881055313553
10611143471670418597
14569177962213324216
16960193722543929020
18322209482748431352
21071240903160636054
18964216812844632449
2939427849746945
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Silver Plan Floater PremiumsSI/Age in yrs
3410469855057850
3814527062928557
47476262758910606
680092271160814908
11672157811837520456
16026195762434626637
18656213092798331922
20155230433023334487
23178264993476739660
20861238493129035694
3232470654717640
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
Gold Plan Floater PremiumsSI/Age in yrs
3717512160008557
4157574568589327
51746825827211561
7412100571265316250
12722172022002922297
17469213372653729035
20335232273050234795
21968251173295337591
25264288843789643229
22738259963410638907
3523512959648328
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
Platinum Plan Floater PremiumsSI/Age in yrs
600000 750000 800000 900000
1000000
1118111503118231320014693
1255713776155271731719020
1372714887198962164722405
2242322824245552746230721
2941631263331103558837462
3709940264421634436844740
4084344327464184884649255
4901253192557015861459107
5636461171640576740667972
5072755054576516066661175
1152012639142451588717450
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Platinum Plan Floater PremiumsSI/Age in yrs
600000 750000 800000 900000
1000000
9317958698521100012244
1046411480129391443115850
1143912405165801803918671
1868619020204632288525601
2451326053275922965631218
3091633553351363697337283
3403636939386824070541046
4084344327464184884549255
4697050976533815617256643
4227245878480435055550979
960010532118711323914541
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Gold Plan Floater PremiumsSI/Age in yrs
3097426750007131
3465478757157772
4312568868939634
617683811054413542
10602143351669018581
14557177812211424196
16946193562541828996
18307209312746131326
21053240703158036024
18948216632842232422
2936427449706940
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
Always within reach.Your health is your most important asset.
And with Future
Health Suraksha, we ensure that you will never have to go too
far to protect it. Our network of hospitals across the nation will
handle any medical problem that arises. Its our way of protecting
you even against the unpredictable.
Benefits In-house Cashless settlement Innovative covers offered
Quick settlement of claims No claim cumulative bonus
EligibilityAge eligibility - age 90 days to 70 years Age at
entry is restricted to 70 years Children above age of 90 days
eligible if the parent(s) are concurrently insured with Future
Generali. Children will be covered as dependants upto 25 yrs of
age.
Life Long Renewals: The policy if renewed continuously without
any break will be renewed lifelong.
Sum assured eligibility: Maximum Upto ` 10 lacs For the insured
at age of entry above 55 years the maximum sum insured available
would be ` 5 lakhs. For insured persons above 55 years porting from
other insur-ance policies the maximum sum insured available would
also be ` 5 lacs.
Pre-acceptance medical tests Pre-acceptance medical tests are
not required for all proposers upto the age of 45 yrs irrespective
of the sums insured, if the proposal form is clean (without health
declaration). For age 46 years and above medical tests are
required. In case the policy is issued for that particular client,
the client is eligible for 50% of reimbursement of pre-acceptance
medical tests charges. All pre-acceptance medical tests will have
to be done in Future Generali empanelled diagnostic centers only.
The reports would be valid for a period of 30 days from the date of
test conducted.
Family Definition: Family consisting of Self, Spouse and
Children will be covered on floater basis. Parents need to be
covered separately as self and spouse.
Free Look Period1. The insured will be allowed a period of at
least 15 days from the date of receipt of the policy to review the
terms and conditions of the policy and to return the same if not
acceptable2. If the insured has not made any claim during the free
look period, the insured shall be entitled to a refund as given in
the policy terms and conditions.
Other benefits1. Subject to no claim, cumulative bonus of 10% on
the basic sum insured will be provided up to a maximum of 50% of
the sum insured.2. Portability can be offered as per the
Portability guidelines.3. 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.
Exclusions Any condition, ailment, injury or related
condition(s) for which you have been diagnosed, received medical
treatment, had signs and / or symptoms, prior to the inception of
your first policy until 48 months from the date of inception. Any
disease contracted during the first 30 days from the
commencement of the policy. Diseases like cataract, hernia and
tumour shall be covered after a waiting period of two years.
Diseases / surgeries like gallstones, renal stones shall be covered
after a waiting period of one year. Non-allopathic treatment.
Congenital diseases. All expenses related to AIDS and related
diseases. Joint replacement surgery shall be covered after a
waiting period of three years, unless required due to an accident.
Use of intoxicating drugs or alcohol
Details of the coverage With Health Suraksha, the member has
access to cashless facility at our empanelled hospitals across
India. Pre and post hospitalisation expenses incurred from 60 days
prior up to 90 days after hospitalisation. Ambulance charges upto `
1500/- 130 Day-care procedures. Hospital cash benefit for Platinum
Plan. Pre-existing disease covered after four years of consecutive
renewal. Free Medical check-up in our empanelled diagnostic centres
after every four claims free years. The above benefit would be
available for any two of the insured family members. Patient care
expenses up to a maximum of ` 350 per day for persons above 60 yrs
of age. Accompanying person expenses up to ` 500 per day.
Additional accidental hospitalisation limit enhanced by 25% of
balance sum insured, subject to a maximum of ` 1 lakh. Grace period
of 30 days from date of expiry for renewal.
Porting of similar health policy to Future Health Suraksha as
per portability guidelines.
1 2 3 4
Max Policy Term 1 Year
Min Age at entry 90 Days
Max Age at entry 70 Years
Renewal Lifelong
Family Floater Premiums Premium would applicable as per the age
of the eldest member in the family.Premium is excluding Service
taxTwo Adults
Two Adults + 1 Child
Gold Plan Floater Premiums
SI/Age in yrs 200000 300000 400000 500000
3717512160008557
4157574568589327
51746825827211561
7412100571265316250
12722172022002922297
17469213372653729035
20335232273050234795
21968251173295337591
25264288843789643229
22738259963410638907
3523512959648328
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Platinum Plan Floater Premiums
SI/Age in yrs 600000 750000 800000 900000
1000000
1118111503118231320014693
1255713776155271731719020
1372714887198962164722405
2242322824245552746230721
2941631263331103558837462
3709940264421634436844740
4084344327464184884649255
4901253192557015861459107
5636461171640576740667972
5072755054576516066661175
1152012639142451588717450
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Platinum Plan Floater Premiums
SI/Age in yrs 600000 750000 800000 900000
1000000
1304413420137931540017142
1465016072181152020322190
1601517368232122525526139
2616126628286483203935841
3431936474386284151943705
4328246974491905176252197
4765051715541555698757464
5718062058649856838368958
6575771366747337864179301
5918164230672607077771371
1344014745166191853520358
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Basic Plan Floater PremiumsSI/Age in yrs
200000 300000 400000 500000
3616498358388326
4045559066749075
50346641804911249
721297861231215812
12379167381948821696
16998207622582128252
19787226012967933857
21376244403206536577
24583281053687442063
22125252953318737857
3428499158038103
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Silver Plan Floater PremiumsSI/Age in yrs
3978548164229159
4450614973419983
55387306885312374
7933107651354317393
13617184112143723866
18697228382840331077
21765248613264737242
23514268843527140235
27041309154056146270
24337278243650541643
3771549063838913
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Gold Plan Floater Premiums
SI/Age in yrs 4336597470009983
48506702800210881
60367963965013487
8647117341476218958
14843200682336726014
20380248943096033874
23724270983558540594
25630293033844643856
29474336984421250434
26528303293979145391
4111598469589715
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
200000 300000 400000 500000
One Adult + 1 Child Basic Plan Floater Premiums
Silver Plan Floater PremiumsSI/Age in yrs
2842391545876542
3179439252437131
3956521863248838
56667689967312424
9726131511531217047
13355163132028822198
15547177582331926602
16795192032519428739
19315220822897233050
17384198752607529745
2694392145606367
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
SI/Age in yrs 2583355941705947
2890399347676482
3596474457498035
51516990879411294
8842119551392015497
12141148301844420180
14133161432119924183
15269174572290326126
17559200752633830045
15803180682370527041
2449356541455788
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
Two Adults + 2 Children
Platinum Plan Floater Premiums
SI/Age in yrs 600000 750000 800000 900000
1000000
1490815337157641760019591
1674318368207032309025360
1830319849265282886329873
2989830432327403661640962
3922141684441474745049949
4946553685562175915759654
5445759102618916512865674
6534970923742687815278809
7515181561854098987590629
6763673405768698088881567
1536016852189942118323266
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Basic Plan Floater PremiumsSI/Age in yrs
200000 300000 400000 500000
4133569466729516
46236388762710372
57547590919812856
8242111841407018071
14148191292227224796
19426237282951032288
22613258303391938693
24430279313664641802
28094321204214148073
25286289083792743266
3918570466329261
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Silver Plan Floater PremiumsSI/Age in yrs
45466264734010467
50867027839011409
632983491011814141
9066123031547719878
15562210422450027275
21369261013246135516
24875284133731142563
26873307244031045983
30904353324635652880
27814317994172047592
43106274729510187
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Gold Plan Floater Premiums
SI/Age in yrs 49566828800011409
55437659914512436
689991011102915414
9882134101687021667
16963229352670529730
23292284503538338713
27113309704066946393
29291334894393850121
33685385115052857639
30317346614547551876
46986839795211103
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
200000 300000 400000 500000
200000 300000 400000 500000
SI/Age in yrs 200000 300000 400000 500000
3100427150047137
3467479157207779
4315569368999642
618183881055313553
10611143471670418597
14569177962213324216
16960193722543929020
18322209482748431352
21071240903160636054
18964216812844632449
2939427849746945
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
Basic Plan Floater Premiums
Silver Plan Floater Premiums
SI/Age in yrs 200000 300000 400000 500000
3410469855057850
3814527062928557
47476262758910606
680092271160814908
11672157811837520456
16026195762434626637
18656213092798331922
20155230433023334487
23178264993476739660
20861238493129035694
3232470654717640
90 days - 25 26-35 36-45 46-55 56-65 66-70 71-75 76-80 81-85
86-90 Above 90 yrs
