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Future Generali
Future Generali India Insurance Company

About Future Generali Health Insurance

Benefits of Future Generali Health Insurance

  • Cashless service
  • Tax benefits under Section 80D of the Income Tax Act, 1961
  • Lifetime renewability

FAQs about Future Generali Health Insurance:

Are OPD expenses covered in Future Generali health insurance?

This needs to be checked under specific policy conditions. Most policies from Future Generali do not cover OPD expenses

Can a NRI take health cover?

Yes, but the policy usage will be limited to India unless specified otherwise

Can a request for cashless treatment be declined?

Yes, it may be declined if inadequate/ wrong information is provided to the insurer. This should not be deemed as denial of claim since reimbursement route can still be availed if all documents are submitted and treatment is covered under the policy

Do policies cover existing diseases?

Yes, some policies do cover existing disease after a defined waiting period for which no claim can be made for those diseases

How do hospitals know that I have a policy?

Health Insurance policies come with a health card similar to an Identity card. This card would entitle you to avail cashless hospitalization facility at any of our network hospitals. A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance. Moreover, you need to display your health card at the time of admission into the hospital

How do I avail cashless facility?

A customer can avail cash less treatment at network hospitals by making pre authorization request at the hospital/ through TPA (third party administrator). The same is to be submitted to the insurer for availing cashless approval

Is medical check up mandatory for a new policy?

A medical checkup is necessary for a new health insurance policy for customers above certain age varying from company to company

Is there any tax benefit of buying Future Generali health insurance?

  • Premium paid under the Health insurance Policy is exempted from Income Tax under section 80D of the Income Tax Act up to Rs.15,000 for individual covering his family and dependant Children.
  • In case the proposer intends to cover his parents under medical insurance, he is eligible for a deduction of another Rs.25,000 under section 80D.
  • In case the age of parent to be covered is above 65 years, the deduction available is Rs.30,000 under section 80D.

What is a family floater plan?

One single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.

What is cashless hospitalization?

In the event of hospitalization, the patient or their family will have a bill to pay the hospital. Under Cashless Hospitalization the patient does not settle the hospitalization expenses at the time of discharge from hospital.

What is Network/ Non network Hospital?

A Hospital, which has an agreement with us for providing Cashless treatment, is referred to as a "Network Hospital". Cashless facility is provided ONLY at the network hospitals. Non-network hospitals are those with whom we do not have any agreement and any policyholder seeking treatment in these hospitals will have to pay for the treatment and later claim as per reimbursement procedure.

What is the maximum number of claims one can make in a year?

Any number of claims is allowed during the policy period. However the sum insured is the maximum limit under the Future Generali policy

Why should I buy Future Generali Health Insurance ?

Future Generali Health insurance will protect you and your family against any financial risks arising due to a medical emergency. Buying a proper health plan would help you in saving your hard earned savings and other assets
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