What is the entry age criterion under the plan?

Adults aged between 18 years and 65 years can buy the plan. For dependent children, the minimum entry age is 6 years and the maximum entry age is 25 years. Moreover, dependent children can be covered under the plan only if both the parents are also insured under a health insurance plan of the company.

What is the maximum sum insured which can be taken?

The amount of the maximum sum insured depends on the insured’s age. If the insured is aged up to 45 years, the maximum available sum insured would be Rs. 50 Lakh. However, if the insured is aged 46 years and above, the available sum insured would be Rs. 20 Lakh.

Are pre-entrance medical checks required?

The requirement of medical check-ups before buying the plan would depend on the age and sum insured. If the insured is aged up to 45 years and if the sum insured is up to Rs. 5 Lakh, no check-up would be required. However, if there is an adverse medical condition in the proposal form, the check-up would become necessary. For individuals aged 46 years and above and/or opting for a higher sum insured levels, a check-up is mandatory.

Does the company pay for the expenses incurred on pre-entrance medical tests?

Yes, the company pays for 50% of the cost incurred on pre-entrance medical tests if the policy is issued.

Who can be covered under a floater plan?

If the policyholder buys a family floater policy coverage can be taken for self, spouse, up to two dependent children and up to two dependent parents.

For how long can the plan be renewed?

The plan allows lifelong renewals. However, dependent children would be covered only up to 25 years of age.

How much time is allowed for renewing the policy beyond the expiration date?

A grace period of 30 days is allowed for individuals to renew their policies beyond the coverage expiration date.

Is international coverage allowed under the plan?

No, coverage is available only if the illness is diagnosed by an Indian doctor and when the surgical procedures are taken in India.

Does the premium increase on renewals?

There is a premium loading only in case of renewals in older ages. If the insured is between 65 and 70 years at the time of renewals, the premium would be loaded by 10%. If age is between 71 and 75 years the premium would be loaded by 20% and if age is 76 years and above, premium would be loaded by 25%.

Future Generali Criticare Health Insurance Wordings

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Highlights

Cashless Approval TAT	Within 2 hours
Claim Settlement Ratio	94%
COVID-19 Cover	Yes
Network Hospitals	8,400+
Renewability	Yes
Special Benefits	Complimentary Teleconsultation

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Future Generali Future Criticare Brochure

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Jun 03, 2019

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Future Generali Health Insurance Plan List

Family (3)
Individual (1)
Dengue (1)
Critical Illness (1)
Parents (1)
Senior Citizen (1)
HIV (1)
Kids (1)
Maternity (1)
Woman (1)

Name of Plan	Sum Insured
Future Health SurakshaMin: 90 Days; Max: 70 Years	50 Thousand	Check Premium
Corona Rakshak PolicyMin: 18 years; Max: 65 years	50,000 - 2.5 lakh	Check Premium
Corona Kavach PolicyMin: 1 Day; Max: 65 Years	50,000 - 5 lakh	Check Premium
Arogya Sanjeevani Policy Min: 3 Months; Max: 65 Years	1 Lakh - 5 Lakh	Check Premium
Vector CareMin: 1 Day; Max: 65 Years	10 Thousand	Check Premium
Future HospiCashMin: 6 Months; Max: 65 Years	500/day	Check Premium
Future CriticareMin: 6 Years; Max: 65 Years	1 Lakh	Check Premium
Future Varishta BimaMin: 60 years; Max: No Limit	2 Lakh	Check Premium
Health TotalMin: 1 Day; Max: No Limit	3 Lakh	Check Premium
Health Super Saver PolicyMin: 18 years; Max: 70 years	3 Lakh - 50 Lakh	Check Premium

Future Generali Health Insurance Top Up List

Cancer (1)
Individual (1)
Top-up (2)

Name of Plan	Sum Insured
Health SurplusMin: 3 Months; Max: 65 Years	3 lakh	Check Premium
Future Advantage Top UpMin: 1 Day; Max: No Limit	50 Thousand	Check Premium

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FAQs on Future Criticare Health Insurance Plan

What is the entry age criterion under the plan?
Adults aged between 18 years and 65 years can buy the plan. For dependent children, the minimum entry age is 6 years and the maximum entry age is 25 years. Moreover, dependent children can be covered under the plan only if both the parents are also insured under a health insurance plan of the company.
What is the maximum sum insured which can be taken?
The amount of the maximum sum insured depends on the insured’s age. If the insured is aged up to 45 years, the maximum available sum insured would be Rs. 50 Lakh. However, if the insured is aged 46 years and above, the available sum insured would be Rs. 20 Lakh.
Are pre-entrance medical checks required?
The requirement of medical check-ups before buying the plan would depend on the age and sum insured. If the insured is aged up to 45 years and if the sum insured is up to Rs. 5 Lakh, no check-up would be required. However, if there is an adverse medical condition in the proposal form, the check-up would become necessary. For individuals aged 46 years and above and/or opting for a higher sum insured levels, a check-up is mandatory.
Does the company pay for the expenses incurred on pre-entrance medical tests?
Yes, the company pays for 50% of the cost incurred on pre-entrance medical tests if the policy is issued.
Who can be covered under a floater plan?
If the policyholder buys a family floater policy coverage can be taken for self, spouse, up to two dependent children and up to two dependent parents.
For how long can the plan be renewed?
The plan allows lifelong renewals. However, dependent children would be covered only up to 25 years of age.
How much time is allowed for renewing the policy beyond the expiration date?
A grace period of 30 days is allowed for individuals to renew their policies beyond the coverage expiration date.
Is international coverage allowed under the plan?
No, coverage is available only if the illness is diagnosed by an Indian doctor and when the surgical procedures are taken in India.
Does the premium increase on renewals?
There is a premium loading only in case of renewals in older ages. If the insured is between 65 and 70 years at the time of renewals, the premium would be loaded by 10%. If age is between 71 and 75 years the premium would be loaded by 20% and if age is 76 years and above, premium would be loaded by 25%.

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Claim Process at Future Generali Health Insurance

Network Hospital
Non-Network Hospital

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
4
Claim Settlement
Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.

1
Claim Assistance
For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
2
Claim Intimation
Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
3
Claim Processing
Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
4
Claim Settlement
Once your request for reimbursement of expenses is approved, the claim will be settled.

Future Generali Health Insurance Contact Details

Reach us for help anytime

Insurance Dekho
755 1196 989Mon to Sun 10:00 AM to 7:00 PM
support@insurancedekho.com
Future Generali Health Insurance
1800-220-2338 A.M. to 8 P.M.
fgcare@futuregenerali.in