Future Generali Future Health Suraksha - Family Floater Plan

What is the Plan all About?

When it comes to the health of your loved ones, you will make no stone unturned to get them treated with the best facilities and under the best medical practitioner’s hands.Future Health Suraksha- family floater plan provides an exhaustive coverage for you and your loved ones which includes spouse and 2 dependant kids under one policy umbrella.

There are 4 plan variants of Future Health Suraksha- Family Floater Plan

Basic Plan
Silver Plan
Gold Plan
Platinum Plan

Key Features

Lifelong Renewability
Numerous plan variants to suit your needs
Quick claim settlement procedure
Attractive No claim bonus
One comprehensive plan for your family

Policy Benefits

Cashless treatment at the listed empanelled network of hospitals.
Inpatient hospitalization expenses are covered upto the sum insured opted as per the available 4 plan variants.
Pre & Post Hospitalization expenses are covered before 60 days of hospitalization and upto 90 days after discharge.
130 Day care procedures are covered under all variants of the plan.
Additional enhancement of sum insured by 25% of the balance sum insured upto the maximum limit of 1 lac due to accidental hospitalization.
Patient care expenses are covered upto the limit of Rs 350 per day for insureds above 60 years of age.
Accompanying person expenses upto Rs 500 per day are payable under this plan.

Value Added Benefits

Lifelong renewability of the plan.
No loading on premium for adverse claim experience.
Ambulance charges are reimbursed upto the maximum of Rs 1500 under this plan.
Hospital cash benefit can be availed under the platinum plan variant of Future Health Suraksha.
Tax benefits under section 80D of income tax act.
This plan offers No claim cumulative bonus of 10% on the basic sum insured up to a maximum of 50% of the sum insured.

Sub Limits

This Plan does not limit the room rent and will bear the expenses for the room as provided by the hospital.
20% Co-pay is applicable (for Zone B) & 30% Co-pay is applicable (for Zone A) under the basic plan variant of future health suraksha. 20 % co pay is applicable (for Zone A) under silver plan variant. Co- payment is not applicable under gold and platinum variants.

Waiting Period Clause

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 like cataract, hernia,etc. which arementioned in the policy.
Pre existing Disease Waiting Period: Any pre-existing condition is covered after the waiting period of 4 years of continuous coverage.

Who can Buy the Plan?

Factor	Minimum	Maximum
Age (as on last birthday)	Adult:18 Years , Child: 3 Months	Adult:70 Years. Child: 25 Years
Sum Assured	2 Lacs	10 Lacs
Cover Type	Family Floater	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-