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Future Generali Health Super Saver Health Insurance

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Future Generali Health Insurance
Health Super Saver Policy
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary Teleconsultation

About Future Generali Health Super Saver Health Insurance

Health Super Saver Policy is a unique indemnity-based medical insurance product that provides you a discount on the premium. The policy comes in two plan options, namely Health Super Saver 1X plan and Health Super Saver 2X plan. The former provides a discount of 80% on premium in the consecutive year of the policy provided the first year was claim-free. Whereas the latter offers you 80% discount on premium for the next two consecutive years of the policy, provided the first two years are claim-free. Both the plans options come with lifetime renewability benefit and can be purchased on an individual or family floater basis. On family basis, you can include a legally wedded spouse, up to 4 dependent children, 2 dependent parents, and/or 2 dependent parents in law. The policy comes at an affordable premium that you can pay on a monthly, half-yearly, or quarterly basis.

Health Super Saver Policy covers people aged between 18 years and 70 yaers for sum insured options ranging between Rs. 3 Lakh and Rs. 50 Lakh. offers a wide range of coverage benefits. Some of them include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, emergency ambulance expenses, home health care services, daycare treatments, AYUSH treatments, etc. The policy can be purchased for 1 year, after which you can renew it. Another benefit that you can enjoy with this policy is tax relief, as the premium paid for the policy makes you eligible for tax deductions under Section 80d of the Income Tax Act, 1961.

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Key Inclusions and Exclusions of the Plan

What's Included

  • In-patient hospitalisation expenses are covered under the plan
  • 60 days pre-hospitalisation and 90 days post-hospitalisation expenses
  • Expenses related to daycare treatments are covered under the plan
  • 90 days pre-natal and 45 days post-natal expenses
  • Alternative treatment expenses
  • Expenses arising due to AYUSH systems of medicines

What's Not Included

  • Expenses incurred due to change of gender treatments
  • Expenses related to Sexually Transmitted Diseases except HIV/AIDS
  • Treatment for pre-existing diseases until 24 months
  • Any claim during the initial 30 days waiting period
  • Listed mental illnesses until 48 months
  • Treatment due to participation in adventure sports are excluded.

8359 Future Generali Cashless Network Hospitals in India

Choose Future Generali Critical Illness Plan

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.

FAQs on Health Super Saver Policy Health Insurance Plan

  • What are the sum insured options available under Health Super Saver Policy?

    Health Super Saver Policy can be purchased for Rs. 3 Lakh, Rs. 4 Lakh, Rs. 5 Lakh, Rs. 6 Lakh, Rs. 10 Lakh, Rs. 15 Lakh, Rs. 20 Lakh, Rs. 25 Lakh, and Rs. 50 Lakh. 

  • What is the coverage basis for Health Super Saver Policy?

    Health Super Saver Policy can be purchased on an individual or family floater sum insured basis. The family members who can be covered under the policy are legally wedded spouse, up to 4 dependent children, 2 dependent parents, and/or 2 dependent parents in law. 

  • What are the plan variants under Health Super Saver Policy?

    Health SUper Saver Policy comes with 2 plan options, namely Health Super Saver 1X plan and Health Super Saver 2X plan. Both the plans can be purchased on an individual or floater basis, and offer lifetime renewability benefit. 

  • Can I pay the premium for Health Super Saver Policy in instalments?

    Yes. You can pay the premium for Health Super Saver Policy in monthly, quarterly, and half-yearly instalments. Kindly note that if opted for instalments, a loading of 5%, 4% and 3% will be applicable respectively. 

     

  • Is there any pre-insurance medical test required under Health Super Saver Policy?

    Pre-insurance medical test is required in case of adverse medical declarations in the proposal form. You will be provided 100% reimbursement of the expenses incurred on tests, subject to 64 VB compliance as well as policy issuance. 

     

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