Future Generali Health Suraksha

Wherever you go, well go with you.

Family Plan
Call us at: 1800-220-233 (MTNL / BSNL) or
1860-500-3333 (any other service provider). SMS FG to 567678.

Always within reach.

Ambulance charges

Your health is your most important asset. And with

Future Generali 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.

Day-care procedures

Hospital cash

Pre-existing disease covered after four years of

consecutive renewal

Free medical check-up is available for any two of the

insured family members* at our empaneled diagnostic
centers after every four claim free years.

Patient care expenses up to a maximum of ` 350 per

day

Accompanying person expenses up to ` 500 per day

Additional accidental hospitalisation limit enhanced by

25% of balanced sum insured, subject to a maximum of
` 1 lakh

Grace period of 15 days from date of expiry for renewal

Loading of maximum 30% would be applicable for

adverse claims experience

enefits

Inhouse claims servicing through Future Generali Health

(FGH)

Cashless settlement

Innovative covers offered

Quick settlement of claims

Renewal discount

No claim cumulative bonus

ligibility

Age eligibility - age 90 days to 45 years

A childs entry will be eligible if the child is over
90 days of age and the parents are concurrently insured with
Future Generali.

Sum assured eligibility

Sum insured value of up to ` 10 lakhs will be accepted for
those within 45 years of age without medical tests, subject to
a clean proposal form.

etails of the coverage

With Future Generali 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, without any sublimits

* Benefits may vary from plan to plan.

* For further details please refer to the policy wordings.

ther benefits

Renewal discount of 5% for each claim-free year by the

entire family, up to a period of five years. At the end of the
fifth year, subject to no claim, cumulative bonus of 10% on
the basic sum insured for every claim-free year thereafter,
will be provided up to a maximum of 50% of the sum insured.

ax 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.

xclusions

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, till the conclusion of until 48

consecutive months have elapsed after the date of
inception of the first policy with us

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

The Platinum Plan covers Basic covers with no restrictions and includes
additional benefits. This cover is available for sum insured of 6 lakhs and
above.
Claim payment annexure
Benefit Plan
Platinum Plan
Gold Plan
Silver Plan
Basic Plan

Zone A
100%*
100%*
80%*
70%*

Zone B
100%*
100%*
100%*
80%*

Zone C
100%*
100%*
100%*
100%*

*The percentage of claim amount shown in the above table is with respect to
the eligible claim amount. The condition of co-payments applicable
depending upon the geographic locations (Zones) where the treatment has
been taken has been relaxed for following major illnesses.
a) Acute Myocardial Infarction
b) Major Accidents requiring immediate hospitalisation and treatment
c) Acute Cerebrovascular Accidents
d) Third Degree Burns

remium table

etails

The premium will be based on the eldest member of the

family.

Plans

Zone wise classification

Inclusive of S.T.

Basic

Zone C (other cities) excluding Zone A & Zone B

Silver

Zone B (Chennai, Kolkata, Ahmedabad, Hyderabad & Banglore)

Basic

Gold

Zone A (Mumbai & Delhi)

Platinum Across India (Zone A + Zone B + Zone C)

*For detailed benefits, refer policy wordings.
The geographical zones for specific plans as mentioned above are based
on the location of the hospital where treatment is received and not the
residence of the insured.
The Basic Plan is for those who have paid the premium for the Zone C
region, i.e. all India excluding Zone A and Zone B. In case the insured is
treated in a hospital that falls under Zone A or Zone B, the payment will be
as per our claim payment annexure.
The Silver Plan is for those who have paid the premium for the Zone B

2 adults
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
3,053
4,206
5,111
7,028

26 - 35 yrs
3,241
4,718
5,486
7,661

36 - 45 yrs
4,139
5,460
6,617
8,508

2 adults + 1 Child
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
3,562
4,907
5,963
8,200

26 - 35 yrs
3,781
5,505
6,401
8,938

36 - 45 yrs
4,829
6,370
7,720
9,926

2 adults + 2 Children
SI
3 months - 25 yrs
2,00,000
4,070
3,00,000
5,608
4,00,000
6,814
5,00,000
9,371

26 - 35 yrs
4,322
6,291
7,315
10,214

36 - 45 yrs
5,518
7,280
8,822
11,344

region which comprises Chennai, Kolkata, Bangalore and Hyderabad. In

case the insured is treated in a hospital in Zone A or Zone C the payment
will be as per our claim payment annexure.
The Gold Plan is for those who have paid the premium for the Zone A
region which comprises Mumbai including Thane and Panvel, and Delhi
including NCR (National Capital Region).

Gold
3 months - 25 yrs
2,544
3,505
4,259
5,857

26 - 35 yrs
2,701
3,932
4,572
6,384

36 - 45 yrs
3,449
4,550
5,514
7,090

2 adults
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
3,816
5,258
6,389
8,786

26 - 35 yrs
4,052
5,898
6,858
9,576

36 - 45 yrs
5,174
6,825
8,271
10,635

1 adult + 2 children
SI
3 months - 25 yrs
2,00,000
3,053
3,00,000
4,206
4,00,000
5,111
5,00,000
7,028

26 - 35 yrs
3,241
4,718
5,486
7,661

36 - 45 yrs
4,139
5,460
6,617
8,508

2 adults + 1 child
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
4,452
6,134
7,453
10,250

26 - 35 yrs
4,727
6,881
8,001
11,172

36 - 45 yrs
6,036
7,963
9,650
12,408

2 adults + 2 children
SI
3 months - 25 yrs
2,00,000
5,088
3,00,000
7,010
4,00,000
8,518
5,00,000
11,714

26 - 35 yrs
5,402
7,864
9,144
12,768

36 - 45 yrs
6,898
9,100
11,028
14,180

1 adult + 1 child
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
3,180
4,381
5,324
7,321

26 - 35 yrs
3,376
4,915
5,715
7,980

36 - 45 yrs
4,311
5,688
6,893
8,863

1 adult + 2 children
SI
3 months - 25 yrs
2,00,000
3,816
3,00,000
5,258
4,00,000
6,389
5,00,000
8,786

26 - 35 yrs
4,052
5,898
6,858
9,576

36 - 45 yrs
5,174
6,825
8,271
10,635

1 adult + 1 child
SI
2,00,000
3,00,000
4,00,000
5,00,000

Silver
2 adults
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
3,434
4,732
5,750
7,907

26 - 35 yrs
3,646
5,308
6,172
8,618

36 - 45 yrs
4,656
6,143
7,444
9,572

2 adults + 1 child
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
4,007
5,520
6,708
9,225

26 - 35 yrs
4,254
6,193
7,201
10,055

36 - 45 yrs
5,432
7,166
8,685
11,167

2 adults + 2 children
SI
3 months - 25 yrs
2,00,000
4,579
3,00,000
6,309
4,00,000
7,666
5,00,000
10,543

26 - 35 yrs
4,862
7,078
8,230
11,491

36 - 45 yrs
6,208
8,190
9,925
12,762

Platinum

3 months - 25 yrs
2,862
3,943
4,791
6,589

26 - 35 yrs
3,039
4,424
5,144
7,182

36 - 45 yrs
3,880
5,119
6,203
7,976

2 adults
SI
6,00,000
7,50,000
9,00,000
10,00,000

1 adult + 2 children
SI
3 months - 25 yrs
2,00,000
3,434
3,00,000
4,732
4,00,000
5,750
5,00,000
7,907

26 - 35 yrs
3,646
5,308
6,172
8,618

36 - 45 yrs
4,656
6,143
7,444
9,572

2 adults + 1 child
SI
6,00,000
7,50,000
9,00,000
10,00,000

1 adult + 1 child
SI
2,00,000
3,00,000
4,00,000
5,00,000

3 months - 25 yrs
11,526
11,858
13,607
15,146

26 - 35 yrs
12,707
13,941
17,524
19,247

36 - 45 yrs
13,519
14,661
21,319
22,065

3 months - 25 yrs
13,447
13,834
15,875
17,671

26 - 35 yrs
14,825
16,264
20,444
22,455

36 - 45 yrs
15,772
17,104
24,872
25,743

2 adults + 2 children
SI
3 months - 25 yrs
6,00,000
15,368
7,50,000
15,810
9,00,000
18,143
10,00,000
20,195

26 - 35 yrs
16,943
18,588
23,365
25,663

36 - 45 yrs
18,025
19,548
28,425
29,420

1 adult + 1 child
SI
6,00,000
7,50,000
9,00,000
10,00,000

3 months - 25 yrs
9,605
9,881
11,339
12,622

26 - 35 yrs
10,589
11,617
14,603
16,039

36 - 45 yrs
11,266
12,217
17,766
18,388

1 adult + 2 children
SI
3 months - 25 yrs
6,00,000
11,526
7,50,000
11,858
9,00,000
13,607
10,00,000
15,146

26 - 35 yrs
12,707
13,941
17,524
19,247

36 - 45 yrs
13,519
14,661
21,319
22,065

In-house Claims Servicing through Future Generali

Health (FGH )Team.
*Cashless facility offered in network hospitals of Future
Generali.
Cashless facility is subject to mandatory pre-authorisation
by Future Generali Health (FGH) and subject to policy
conditions.
Cashless facility can be availed on producing the FGH
-Health ID Card along with a photo identification proof.
In case cashless facility is not availed, the claim
documents can be submitted directly to the mentioned
address, for reimbursement.

To ,
Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Company Ltd.
2nd Floor, Kant Helix, Bhoir Colony, Opp Tata Motors,
Chinchwad, Pune-411033.
Toll free number: 1800 103 8889
Fax number: 1800 103 9998
Email: fgh@futuregenerali.in
(* The network of hospitals is subject to change
without notice.)

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 twelve 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.

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 Limited
Regn. No.: 132
Registered and Corporate Office: 001, Delta Plaza, 414, Veer Sawarkar Marg, Prabhadevi, Dadar (W), Mumbai - 400 025.
Website: www.futuregenerali.in
Email: care@futuregenerali.in
ARN.: FG-NL/PD/MKTG/EN/FHS(FP)-001BR
Disclaimer: The information in this brochure is only indicative in nature. For details of the coverage and exclusions please contact our
nearest office. Insurance is the subject matter of solicitation. Tax benefits are subject to change.