Robinhood Insurance Broker Private Limited


Product Overview

Future Generali - Total Health VitalPlan 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 Vital 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
  • Pre Hospitalisation-60 days/Post Hospitalisation-90 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

OneInsure App Benefits

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Critical features of Future Generali Health Total Vital 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
  1. This plans has a waiting period of 4 years in case of pre-existing diseases 100% of the admissible claim amount
  2. 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:- Vital Plan-3 Lakhs,5 Lakhs,10 Lakhs
  • Policy Tenure:- 1, 2 & 3 years
  • Family Definition:- Vital Plan - Self + Spouse + 2 Children + 2 Parents (1+5)
  • Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)


  • 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

Discount 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%
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.


  • 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.

Know More

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Tab 2

2 burgers per month

burger₹ 700
Your yearly cost on fast food = roughly ₹ 8,400
Cost of Health Insurance for whole family with ₹ 5 lakhs cover!

Tab 3

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