Future Generali Health Total Premiere Insurance Plan
Product Overview
Future Generali - Total Health Premiere Plan is a hospitalization policy, which covers inpatient treatment for a minimum period of 24hrs, along with other benefits like day care treatments, Ayurvedic treatment, etc.
Unique Features of Future Generali Health Total Premiere Insurance Plan
- This plan offers Restoration of the Sum Insured in case the base sum insured is exhausted.
- This plan offers a No Claim Bonus up to 100% of the Sum Insured in case there is no claim during the preceding year.
- Maternity Benefits are Covered after 2 years/Medical Treatment Abroad Covered
- Pre Hospitalisation-60 days/Post Hospitalisation-180 days
- Pre Existing Disease(Covered after 2 years 50% of the admissible claim amount)(Covered after 4 years 100% of the admissible claim amount)
- Annual Health checkup at network Diagnostic Centres only/OPD Covered
OneInsure App Benefits
Store Digitally | Get Premium Reminders | Service and Claim assistances | Empower Nominee
Critical features of Future Generali Health Total Premiere Insurance Plan
- Room rent:
Limits imposed towards room and ICU rent expenses
This Plans has no Sum limit on room limit - Co-Pay:
Specific % of admissible claim amount to be borne by Insured
In case an insured enters the policy at the age given in the table, the respective co- payments will be applicable on each and every admissible claim.
- 60yrs to 64yrs: 20% Co-payment
- 65yrs to 69yrs: 25% Co-payment
- 70yrs to 74yrs: 30% Co-payment
- 75yrs & above: 40% Co-payment - No Claim Bonus:
Health Insurance policies may offer Cumulative Bonus wherein for every claim free year, the Sum Insured is increased by a certain percentage at the time of renewal
50% of basic sum insured up to a maximum of 100 % for each unclaimed year in case opted for(The cumulative bonus is reduced by 50 % of sum insured once a claim is made) - Pre-Existing Diseases:
Means any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer
- This plans has a waiting period of 4 years is case of pre-existing diseases 100% of the admissible claim amount
- This plans also has a waiting period of 2 years is case of pre-existing disease but Only payable 50% of the admissible claim amount.
Eligibility Criteria
- Minimum Age of Entry:- Day 1
- Maximum age of Entry:- Children - 91 days to 25 years/Adults - 18 years
- Renewal Age:- Life Long Renewal
- Sum Insured:- Premiere Plan-50 Lacs and 1 Crore
- Policy Tenure:- 1, 2 & 3 years
- Family Definition:- Superior & Premier Plan - Extended family up to 15 members (Self, Spouse, Children, Parents, Parent-in-laws, Son-in-Laws, Daughter-in-laws, Grandparents, Grandchildren, Dependent Siblings.
- Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)
Add-ons
- Accidental hospitalisation:
Additional Accidental Hospitalisation: Limits can be enhanced by 25% of the sum insured on date up to maximum of Rs. 1 lakh.
Additional discounts
| Description | ||||||
|---|---|---|---|---|---|---|
| Family discount | Family discount of 10% is available in case more than one person is covered in the same policy in case of Individual Sum Insured option. | |||||
| Discount for multi-year polices | Long-term discount upto 10% applicable in case of upfront premium payment for long term policy. | |||||
| Voluntary Deductible Discount | Discount of 10% to 25% on premium as per the voluntary deductible and plan opted. Vital Plan Superior Plan Premiere Plan Deductible Discounts Deductible Discounts Deductible Discounts ` 10,000 10% ` 50,000 15% ` 1,00,000 15% ` 25,000 15% ` 75,000 20% ` 2,50,000 20% ` 50,000 20% ` 1,00,000 25% ` 5,00,000 25% |
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| Floater Discount | Premium applicable for the primary insured will be the standard individual premiums. For remaining dependant members, floater discounts will be applicable on their respective premium as per their age. | |||||
| One time renewal discount | One time renewal discount-subsequent to death of proposer - 10% Discount | |||||
Waiting Period
- Covered from Day 1:
Accidental Injuries - Covered after 30 Days:
All incidences apart from specified surgeries, Permanent exclusion & Pre-existing diseases (if any) - Covered after 2 Years:
Pre-existing conditions, Internal Congenital, Cataracts, BPH, Hernia, DNS,Fistulae, hemorrhoids, Hysterectomy etc.
Exclusions
- External Congenital Anomaly and related Illness/ defect.
- Expenses incurred towards treatment of Illness or Injury arising out of alcohol use/misuse or abuse of alcohol, narcotic substance or drugs (whether prescribed or not).
- Non-prescribed drugs and medical supplies, hormone replacement therapy, sex change or treatment which results from or is in any way related to sex change
- Injury or Illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations (whether war be declared or not)
- Personal comfort and convenience items or services.
- Treatment for any mental Illness,Non-allopathic treatment,treatment of obesity,intentional self-Injury
Note: Any claims arising out of or attributable to any of the following is not covered
Tax Benefits
The premium paid for health insurance policy is liable to get a tax rebate under section 80D of the Income Tax Act, 1961.
Claim Process
In case you would like to know about the Claim Process or would like to register a Claim please click the link below
