Future Generali Arogya Sanjeevani Health Insurance
Cashless Approval TAT | 2 hr Cashless Claim Processing |
Claim Settlement Ratio | 94% |
COVID-19 Cover | Yes |
Network Hospitals | 8,400+ |
Renewability | Yes |
Special Benefits | Complimentary Teleconsultation |
About Future Generali Arogya Sanjeevani Health Insurance
Arogya Sanjeevani Policy offered by Future Generali India Insurance is a new health insurance product launched for the welfare of your complete family. An affordable medical insurance solution, this policy benefits you by covering expenses incurred on the medical treatment of illnesses and injuries requiring in-patient hospitalization. The coverage also includes modern methods of treatment. Laden with a wide range of benefits, this extraordinary policy is nothing less than a boon for your family.
Available on an indemnity basis, Future Generali Arogya Sanjeevani Policy can be purchased for a policy period of 1 year. As far as its eligibility age range is concerned, it lies between 3 months up to 65 years. Featuring a co-payment of 5% on all claims, the policy can be bought on either individual sum insured or family floater sum insured basis. The sum insured starts from Rs. 1 Lakh and goes up to Rs. 5 Lakh. The coverage offered under Arogya Sanjeevani Policy, Future Generali includes in-patient hospitalization cover, pre & post-hospitalization, expenses incurred for inpatient care treatment under Ayush, cataract treatment up to a certain limit, and daycare treatment cover. Besides, on paying policy premium, you will become eligible for tax relief under Section 80D of the Income Tax Act.
Read more: Arogya Sanjeevani Policy
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Key Inclusions and Exclusions of the Plan
What's Included
- In-patient hospitalization for AYUSH, up to sum insured
- Road ambulance expenses, subject to a maximum of Rs. 2000 per hospitalization
- Coverage for cataract surgery subject to a certain limit
- 30 days pre & 60 days post-hospitalization
- Day care procedures, up to 50% of sum insured
- Nursing expenses, Operation theatre, and ICU expenses
What's Not Included
- Treatment taken outside the country, i.e., India
- Treatment related to the change of gender
- Expenses traceable to childbirth except ectopic pregnancy
- Expenses incurred on domiciliary hospitalization & OPD treatment
- No cover for expenses incurred on diagnostic or investigative tests
- Medical expenses due to nuclear, chemical or biological attack or weapons
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FAQs on Arogya Sanjeevani Policy Health Insurance Plan
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I want to cover my family under Arogya Sanjeevani Policy, Future Generali? How many members can I cover?
Under this policy, you can cover yourself along with your legally wedded spouse, parents, parents-in-law, and dependent children. Note that you can include your dependent children, whether natural or legally adopted if only they belong to the age group, ranging between 3 months up to 25 years. Also, if your child, above 18 years of age is financially independent, they won’t be considered eligible for coverage in the subsequent renewals.
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What are the sum insured options I can go for under Arogya Sanjeevani Policy, Future Generali?
According to your requirements, you can choose between Rs.1 Lakh, Rs. 1.5 Lakh, Rs. 2 Lakh, Rs. 2.5 Lakh, Rs. 3 Lakh, Rs. 3.5 Lakh, Rs. 4 Lakh, Rs. 4.5 Lakh, and Rs. 5 Lakh.
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Will I have to undergo pre-acceptance medical test under Arogya Sanjeevani Policy, Future Generali?
Arogya Sanjeevani Policy, Future Generali features mandatory pre-insurance medical examination if the insured is 56 years and above. Note that the insured individual is eligible for 50% reimbursement of pre-insurance medical tests charges, subject to policy issuance.
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What are the modern treatment I can expect to avail under Arogya Sanjeevani Policy, Future Generali?
Arogya Sanjeevani Policy, Future Generali, provides cover for up to 50% of the sum insured for methods such as Uterine Artery Embolization and HIFU, Oral chemotherapy, Balloon Sinuplasty, Deep Brain stimulation, Intra vitreal injections, Robotic surgeries, Immunotherapy, Bronchical Thermoplasty, Intra Operative Neuro Monitoring, Stereotactic radio surgeries, Vaporisation of the prostrate and Stem cell therapy.