Robinhood Insurance Broker Private Limited


Product Overview

Future Generali - Individual 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 Individual Plan

  • This plan offers Pre-Hospitalisation expenses upto 60 days & Post-Hospitalisation expenses upto 90 days.
  • Family discount - 10% discount is available on the premium if more then one person is insured under the same policy.
  • This plan offers some Organ Specific Illness like gallstones, renwal stones, etc. covered after a waiting period of 1 year.

OneInsure App Benefits

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Critical features of Future Generali Individual Plan

  • Room rent:
    Limits imposed towards room and ICU rent expenses
  1. This Plan has 4 variants Gold, Silver, Basic and Platinum Plan.
  2. This plan has 1% for room rent &ICU- 2 % of sum insured-applicable in sum insured upto Rs 1.5 Lac and No limit in Sum Insured beyond Rs 2 Lac
  3. Overall up to 40% of the Sum Insured per claim.
  • Co-Pay:
    Specific % of admissible claim amount to be borne by Insured
    The payment of claim under the medical Section will be as follows
    Platinum Plan - No Co-payment for any zone
    Gold Plan - No Co-payment under any zone
    Silver Plan - 20% Co-payment in Zone A and No Co-payment under Zone B & C
    Basic Plan - 30% Co-payment in Zone A, 20% Co-payment in Zone B & No Co-payment in Zone C
  • 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
    10% of basic sum insured up to a maximum of 50 % for each unclaimed year in case opted for(The cumulative bonus is reduced by 10 % 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

Eligibility Criteria

  • Minimum Age of Entry:- Children - 91 days to 25 years/Adults - 18 years
  • Maximum age of Entry:- 70 years
  • Renewal Age:- Life Long Renewal
  • Sum Insured:- 1.5 Lakhs to 10 lakhs
  • Policy Tenure:- 1 year
  • Premium Calculated on Basis of:- Age (i.e. sum Insured Chosen)


  • Accidental Cover:
    Additional Accidental Hospitalisation: Limits can be enhanced by 25% of the sum insured on date up to maximum of Rs. 1 lakh.

Additional discounts

  • Family discount of 10% is available in case more than one person

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 1 Year:
    Gallstones; renal stones etc
  • Covered after 2 Years:
    Cataract, hernia and tumour etc
  • Covered after 3 Years:
    Joint replacement surgery


  • War, Invasion, Act of Foreign Enemy,Vaccination/ inoculation, cosmetic treatments
  • Non-allopathic treatment,treatment of obesity,intentional self-Injury,Maternity expenses
  • Congenital Internal and/ or external Illness,Genetic disorders
  • All expenses related to AIDS and related diseases
  • Use of intoxicating drugs or alcohol,Treatment for any mental Illness
  • Personal comfort and convenience items or services


Note: Any claims arising out of or attributable to any of the following is not covered,Please refer policy T & C for detailed list of exclusions.

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

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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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