Future Generali Future Health Suraksha - Individual Plan

What is the Plan all About?

Health is the most important asset as it is rightly said “Health is wealth”. In today’s era we don’t get adequate time to take care of our health resulting in a number of health related ailments and problems.To treat those conditions require a huge financial burden to pay the hospital and medical bills. With Future Health Suraksha plan, it is easy to stay protected as it provides you a comprehensive health insurance benefits at a cost effective price.

There are 4 plan variants of Future Health Suraksha- Individual Plan

Basic Plan
Silver Plan
Gold Plan
Platinum Plan

Key Features

Claim settlement is done in-house
Avail Hospital cash benefits
No Pre acceptance medical test upto age 45
Avail No claim cumulative bonus under the plan
Wide range of network hospitals for cashless treatment

Policy Benefits

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.

Value added Benefits

Free medical health check up after every 4 free years.
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 are mentioned 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)	90 Days	70 Years
Sum Assured	50,000	10 Lacs
Cover Type	Individual	-
Policy Tenure	1 Year	3 Years
Grace Period	30 Days	-
Free Look Period	15 Days	-
Riders	Nil	-