Future Generali Future Health Suraksha 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 Future Health Suraksha Health Insurance
Future Health Suraksha by Future Generali is an affordable health plan that takes care of you and your family in a complete manner. An ideal choice for an individual and their family members including spouse and up to 3 dependent children, Future Health Suraksha leaves no stone unturned in ensuring that great health care is even more accessible.
The medical insurance plans under Future Health Suraksha include Gold, Platinum, Topaz, and Ruby. One can invest in these plans with individual and family floater option along with lifelong renewability. Protecting policyholders against the unpredictable, Future Health Suraksha supports one at a time when they need financial stability the most.
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Key Inclusions and Exclusions of the Plan
What's Included
- 10% Cumulative Bonus for every claims free year to a maximum of 50% of the Sum Insured
- Accompanying person expenses up to Rs. 500 per day for child up to 10 years
- Hospital cash benefits available under the Platinum or Ruby plan of the policy
- Coverage for 409 day care procedures under the policy
- Pre-hospitalisation and post-hospitalisation expenses covered for 60 and 90 days respectively
What's Not Included
- Diseases/surgeries such as gallstones, covered after the waiting period
- Cataract, Hernia, and Tumour covered after a waiting period of 24 months
- Any disease contracted during the first 30 days from the commencement of the policy
- Costs incurred on all methods of treatment including AYUSH treatments except Allopathic
- Congenital external illness/ disease/ defect/ anomaly
Future Health Suraksha Plan Details
Features/Plan | Future Health Suraksha |
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No Claim Bonus | Up to 100% of SI |
Pre and Post Hospitalization | 60 & 90 days |
Day Care Procedure | 130 procedures |
8359 Future Generali Cashless Network Hospitals in India
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Add-ons to Enhance Benefits
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Hospital Cash
In Future Health Suraksha policy, hospital cash add-on benefit is available under Platinum and Ruby Plan.
i) Under Platinum Plan
: For sum insured options Rs. 6,00,000, Rs. 7,50,000, Rs. 8,00,000, Rs. 9,00,000, and Rs. 10,00,000, hospital cash benefit isof Rs. 500 per day, up to 60 days.ii) Under Ruby Plan
: For sum insured options Rs. 6,00,000, Rs. 7,50,000, and Rs. 10,00,000, hospital cash benefit isof Rs. 500 per day, up to 60 days.
Future Generali Health Suraksha Expert Review
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Major Attractions
Future Health Suraksha is an absolute choice in every which way. Be it major coverage areas or additional benefits, the plan meets the needs of one and all in an absolute manner. So, when you choose the policy, you get covered for inpatient treatment & expenses, pre & post hospitalisation expenses, day care treatment expenses, ambulance charges, patient care expenses, and other costs that may be too much for you to handle at the time of an unexpected emergency. Apart from the basic ones, the policy provides benefits that include -
- Availability of Hospital Cash (under Platinum or Ruby plan)
- Accompanying person expenses up to Rs. 500 per day for child up to 10 years
- Recharge benefit available for plans with a basic sum insured Rs. 3 Lakh and above
- Free health check-ups at insurer’s empanelled centers after every four claim free years
- Instalment premium payment facility available on a monthly, quarterly, and half yearly basis
- Cumulative Bonus - 10% for every claim free year to a maximum of 50% of sum insured
- The freedom to get your existing policy ported with Future Generali (as per the Portability guidelines of IRDAI)
- Accidental hospitalisation with limits that can be increased by 25% of the sum insured on date up to a maximum of Rs. 1 Lakh
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What’s More?
Future Health Suraksha fulfills its aim of making great healthcare even more accessible and complete, whether with its vast network hospitals or a vast array of benefits. A few prime features that make the policy worth investing in include -
- Assured renewability for life
- No loading on premium for adverse claims experience
- Tax benefits under Section 80D of the Income Tax Act
- 2.5% loyalty discount if the client has a separate Retail Health insurance policy from Future Generali
- Long-term discount up to 10% applicable, in case of upfront premium payment for a long term policy
- Family discount in case more than one family members are covered in the same policy on individual sum insured basis
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Conclusion
Future Health Suraksha is highly recommended to those who consider their health as the most important asset and want to put efforts in maintaining it for life.
Go ahead and choose the online mode to buy the policy if you don’t want to experience delayed policy issuance problems or deal with a lack of transparency in policy terms and conditions. Also, rely on InsuranceDekho for the purchase process without giving it a second thought. The health insurance broker will not only help you with policy portability, but also claim settlement support, and various other after-sales services that may be a plus.
Claim Process at Future Generali Health Insurance
FAQs on Future Health Suraksha Health Insurance Plan
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What is the minimum entry age for Future Health Suraksha?
The minimum age of entry is 90 days.
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What is the maximum entry age for Future Health Suraksha?
The maximum age of entry is 70 years.
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What is the minimum policy term for Future Health Suraksha?
The minimum policy term is 1 year.
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What is the maximum policy term for Future Health Suraksha?
The maximum policy term is 3 year.