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Future Generali Health Total Health Insurance

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

About Future Generali Health Total Health Insurance

If you're looking for comprehensive health coverage for yourself and your family, the Health Total Policy is the perfect solution! This plan not only covers all your medical expenses but also provides discounts, tax benefits, and co-payment options. Future Generali Health Total is a well-rounded retail health plan with extensive and long-term coverage. It is available for individuals and as a family floater policy, with the added advantage of lifetime renewability.

The Health Total plan takes care of pre-hospitalisation, post-hospitalisation, maternity expenses, procedures related to newborns, and more. It comes in three variants – Vital, Superior, and Premium, each offering different levels of sum assured.

One notable feature of this health insurance plan is the No Claim Bonus provided by Health Total. You can receive up to 100% of the sum insured as a bonus if there is no claim made during the preceding year. Overall, the Future Generali Health Total medical insurance plan stands out as an excellent choice.

Future Generali Health Total Health Insurance At a Glance


Individual and Family Floater


Vital, Superior and Premium

Key Features

Plan Variants, Floater Option, etc.

Policy Term

1, 2 and 3 Years


Pre and Post-hospitalisation, Organ Transplant, and more


Illness from Alcohol, Illness from Birth, etc.



Variants of Future Generali Health Total Health Insurance

The different types of variants of Health Total plan are as follows:





Sum Insured

Rs. 3, 5 and 10 lakhs

Rs. 15, 20 and 25 lakhs

Rs. 50 lakhs and 1 crore


Covered for Up to 90 days

Covered for Up to 120 days

Covered for Up to 180 days

Daily Hospital Cash

Rs. 350 per day

Rs. 500 per day

Rs. 1000 per day

OPD Charges

Not Covered



Maternity Cover

Rs. 15k to 45k

Rs. 30-60K

Rs. 50k to 1 lakh

New Born Baby Cover

Not Covered



Key Features of Future Generali Health Total Health Insurance Plan

The following are the key features of the Future Generali Health Total Health Insurance Plan:

  • Plan Variants: Choose from three plan variants - Vital, Superior, and Premier, each offering different Sum Assured levels. You have the flexibility to pick the one that suits your needs.
  • Lifelong Renewability: This plan ensures that you can renew it for your entire life. It provides continuous coverage as long as you need it.
  • No Medical Check-ups: For the first plan variant, Vital, there are no medical check-ups required until the age of 50, making it convenient for you to get coverage without the hassle of extensive health examinations.
  • Floater Option: You have the advantage of extending the coverage to up to 15 family members with the Superior and Premier plans' floater options, ensuring comprehensive protection for your extended family.
  • Sum Assured Restoration: The plan includes a Sum Assured restoration feature that replenishes the Sum Assured if it gets used up in any policy year. This ensures that you always have coverage when needed.
  • No Age Limit: There is no upper limit on the entry age, allowing individuals of any age to enrol in the plan and enjoy its benefits.
  • Sum Assured Increment: If you don't claim in any year, the Sum Assured increases by 50%, with a maximum increment capped at 100%. It rewards you for maintaining a healthy life.
  • Accident Coverage Boost: In the event of hospitalisation due to an accident, the Sum Assured gets a 25% increase, up to a maximum of Rs.10 lakhs, providing extra financial support during challenging times.

Eligibility Criteria of Future Generali Health Total Health Insurance Plan

The eligibility criteria for the Future Generali Health Total Health Insurance plan are as follows:


Eligibility Criteria

Minimum entry age

1 Day

Maximum entry age

No Age Limit

Initial Waiting Period

30 Days

Sum Insured

Rs. 3, 5, 10, 15, 20, 25, 50 lakhs and Rs. 1 crore

Premium Payment

Annually, Half-yearly, Quarterly or Monthly

Benefits of Future Generali Health Total Health Insurance Plan

This Future Generali health insurance plan offers the following benefits:

  • Accumulated Rewards: For every year without any claims, the Sum Assured grows by 50%, reaching a maximum of a 100% increase. This cumulative bonus serves as a reward for maintaining a claim-free record.
  • Transferability: If you're currently covered by another health insurance plan from a different provider and wish to switch to this Health Total plan, you can seamlessly port your existing policy. Just ensure to make the porting request at least 45 days before your current policy expires.
  • Free Look Period: You have a 15-day Free Look Period, right after the policy is issued. This gives you time to carefully go through the policy terms and conditions. If you find anything unsatisfactory during this time, you can cancel the plan, and the premium paid will be refunded after deducting relevant charges like mortality charge, service tax, etc.
  • Grace Period: A grace period of 30 days is provided for premium payment after the due date. During this period, your policy cover remains intact, giving you a bit of extra time to ensure timely payments without losing your coverage.
  • Comprehensive Coverage: The Health Total plan offers extensive coverage, ensuring that various medical needs are addressed, and providing a safety net for you and your family.
  • Tax Benefits and Discounts: Enjoy tax benefits and take advantage of multiple discounts offered with the Health Total plan, making it not only a wise health choice but a financially beneficial one too.

Inclusions of Future Generali Health Total Health Insurance Plan

Inclusions of the Future Generali Health Total Health Insurance are mentioned below:

  • Coverage for your Loved Ones: You can protect up to 15 family members, depending on the plan you choose - Vital, Superior, or Premiere.
  • Staying at the Hospital: All the costs during your hospital stay are covered, such as your room, surgery, and more.
  • Quick Treatment: Expenses for treatments lasting less than 24 hours, like chemotherapy, dialysis, and cataract surgeries, are included.
  • Pre-hospitalisation Expenses: All costs related to your treatment before your hospital stay, like follow-up visits, medications, and additional tests, are taken care of.
  • Post-hospitalisation Expenses: Post-hospitalisation costs, such as follow-up visits, medications, and further diagnostic tests, are also covered.
  • Organ Transplant Expenses: Expenses for organ surgery and storage are included.
  • Domiciliary Hospitalisation Expenses: All expenses during at-home medical treatment for over three days are considered.
  • Maternity Expenses: From prenatal to postnatal care, all maternity expenses are covered.
  • Mental Illness Cover: Treatment expenses for mental health issues are included.
  • Patient Care Expenses: Charges for patient care, including nursing services, are taken care of.
  • Road Ambulance Charges: Road ambulance charges for emergency medical care are covered.
  • Alternative Treatment: All costs for mainstream and accepted therapies like Ayurveda and Homeopathy are covered.
  • Accidental Hospitalisation: Additional coverage in case of accidents requiring hospitalisation is provided.
  • Seeking Professional Advice: Charges for professional consultations with doctors are included.
  • Diagnostic Tests: All expenses for diagnosing illnesses, including tests and imaging exams, are covered.
  • Child Vaccination: Vaccination expenses for your child up to one year after birth are covered.
  • New Born Baby Expenses: All expenses for a newborn baby during hospitalisation from birth to 91 days are taken care of.
  • Global Medical Support: Costs for seeking medical advice, diagnosis, care, or treatment abroad are included.
  • Medication Support: Coverage for prescribed medications is provided.
  • Dental Consultations: Expenses for dental consultations and diagnostics are covered up to 70%.

Exclusions of Future Generali Health Total Health Insurance Plan

The exclusions in this plan are as follows:

  • Non-prescribed Medicines: The policy doesn't cover the cost of medicines that were not specifically prescribed by a doctor. If you buy medicines without a doctor's recommendation, the insurance won't reimburse those expenses.
  • Illness from Alcohol or Drugs: Any health issues arising from the consumption of alcohol or drugs are not covered. This includes both short-term effects and long-term illnesses caused by substance abuse.
  • Hormone Replacement Therapy: The insurance doesn't cover treatments involving the replacement of hormones.
  • Congenital Disabilities or Illnesses from Birth: Conditions or illnesses that a person is born with, known as congenital issues, are not covered.
  • Sex Change Treatment: Expenses related to sex change treatments, surgeries, or procedures are excluded.
  • Injuries Due to War: The policy excludes medical expenses resulting from conflicts, acts of war, or related events.

Documents Required for Future Generali Health Total Health Insurance Plan

To purchase the Future Generali Health Total Health Insurance plan, make sure you have the following:

  • Fill out the application form
  • Bring your Aadhar card
  • Carry your Passport
  • Have your Voter ID ready
  • Bring your Driver's License
  • Don't forget your Birth Certificate
  • Provide passport-sized photos
  • In some cases, health check-up reports might be needed
  • If asked, submit any extra documents requested by the insurance company

How to Buy Future Generali Health Total Health Insurance?

To purchase the Future Generali Health Total Health Insurance Plan, just follow these steps:

Step 1: Go to the InsuranceDekho website.

Step 2: Click on "Health Insurance" in the "Insurance" tab.

Step 3: Select "Future Generali" from the list of health insurance companies.

Step 4: Choose the "Health Total" plan.

Step 5: Read the policy document carefully.

Step 6: Upload the required documents for verification.

Step 7: Complete the online payment for the medical insurance premium.

Step 8: You will receive the policy document via email successfully.

Claim Process for Future Generali Health Total Health Insurance

You can claim your Future Generali Health Total Health Insurance policy through two methods:

Cashless Claim

  • Visit a hospital partnered with Future Generali.
  • Provide details about your Health Total plan and other necessary information.
  • Complete and submit the required documents.
  • The insurance company will directly settle the hospital expenses on your behalf.

Reimbursement Claim

  • Choose a hospital within Future Generali's hospital's network.
  • Pay for your medical bills at the selected hospital.
  • Initiate a reimbursement claim on the insurance company's website.
  • Fill out and submit the claim form for Future Generali Health Total Insurance with the necessary details.

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Key Inclusions and Exclusions of the Plan

What's Included

  • E-Opinion in respect of an illness or injury and alternative treatment
  • Expenses incurred in organ donor are covered under the policy
  • Expenses related to maternity are also covered
  • Coverage for medical expenses incurred in pre-hospitalisation and post-hospitalisation
  • Coverage for the expenses related to day care treatment and organ donor

What's Not Included

  • Substance abuse, self-inflicted injuries, STDs & HIV/AIDS
  • Cosmetic treatment and plastic surgery
  • External Congenital Anomaly and related Illness/defect
  • Any hospital admission for investigative/ diagnostic purpose
  • An injury directly or indirectly caused due to war, invasion, an act of a foreign enemy, etc.

1858 Future Generali Cashless Network Hospitals in India

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Add-ons to Enhance Benefits

  • Accidental Hospitalisation

    The add-on of accident hospitalisation benefits one by increasing their sum insured by 25% of the available balance of the sum insured (excluding the cumulative bonus, if any). The condition, in this case, is that the above holds true if only the insured person is hospitalized during the policy year, owing to an accident occurred during the Policy Year, and that too provided that no increase to the Sum Insured will exceed Rs. 10,00,000. Also, that the increase to the Sum Insured will only be available for claims arising under the benefit of hospitalisation medical expenses.

Future Generali Health Total Expert Review

  • Expert Review

    Generally, we are advised not to judge a book by its cover. However, it’s not the case with Health Total policy as you can take it for what it gives the impression of being. Another gem in the diverse health insurance product range of Future Generali, Health Total is a plan that does justification to its name. When it comes to benefits, the policy has numerous to offer. All in all, Health Total is a great choice to invest in to secure your health as well as finances to prevent concerns at the last minute.

    Health Total is a comprehensive solution for one and all. While the minimum entry age is Day 1, the maximum entry age doesn’t come with restrictions. In other words, the maximum entry age is lifelong. Offering wide and long-term coverage, the policy covers you on individual sum insured and family floater basis under its variants. Available in the form of three different plans, namely Vital, Superior and Premiere, Health Total Mediclaim Policy has a range of sum insured options starting from Rs. 3 Lakh to Rs. 1 Crore.

  • Major Attractions

    Investing in Health Total will be a fruitful move for you. Since the policy provides coverage for the most common expenses such as inpatient treatment & expenses, day care treatment expenses, pre & post hospitalisation expenses, organ donor expenses, domiciliary hospitalisation expenses, and various others, it is advised to purchase it today and reap its benefits later when the need arises. Other than road ambulance charges, Wellness Care expenses, patient care expenses, accompanying person expenses, and alternative treatment expenses, the list of key features covered under the policy includes -

    • Outpatient medical expenses (applicable for Superior and Premiere plan)
    • Medical treatment abroad for listed conditions (applicable for Premiere plan)
    • E-opinion in respect of an illness or injury and alternative treatment
    • Maternity benefits with 2 years of waiting period when both husband and wife are covered together
    • Coverage for newborn baby expenses (applicable for Superior and Premiere plan) and vaccination charges for a child less than 12 years of age (applicable for Premiere plan)
    • Restoration of the sum insured (if the sum insured and cumulative bonus, if present, is exhausted due to claims payable)
    • Emergency medical evacuation (applicable for Superior and Premiere plan) where expenses incurred for medical evacuation from the place of local hospitalisation/accident to any other hospital within India are reimbursed
    • Reimbursement of expenses incurred for consultation, diagnostic tests, and medications prescribed as per plan
    • In case of accidental hospitalisation, increase in sum insured by 25% of the available balance sum insured subject to a maximum Rs. 10 Lakh
    • Cumulative Bonus - 50% for every claim free year to a maximum of 100% * Product coverage applicable would be as per plan opted
  • What’s More?

    Future Generali’s Health Total Mediclaim Policy may have the feature of co-payment on every admissible claim for an individual entering the policy at age 60 years and above, it also offers a series of discounts and other benefits. The list comprises 10% to 25% discount as per the voluntary deductible & plan opted, 10% long-term discount up to 10% applicable in case of upfront premium payment for a long term policy, and -  

    • Assured renewability for life
    • No loading on premium for adverse claims experience
    • Tax relief as per Section 80D of the Income Tax Act on premium payment by any mode other than cash
    • The facility of monthly, quarterly and half yearly instalment for long-term policies
    • 10% family discount on covering more than one person in the same policy on individual sum insured basis
    • Standard individual premiums applicable for primary insured, but there are floater discounts applicable on premium as per age
  • Conclusion

    Needless to say, Health Total is a complete health insurance product anyone can ask for. You too can opt for this policy to reap multiple health insurance benefits and keep your lifelong savings intact.

    Persons willing to buying the plan, prefer choosing the online mode instead of offline so that you can get your policy issued without delay of any sort. Furthermore, to make the entire experience worthwhile, it would be better to go with InsuranceDekho to make the purchase and avail benefits like help with policy portability, claim settlement support, and various other after-sales services that are the ultimate support that many seek.

Future Generali Health Total Brochure

  • 870.14 KB
  • PDF Document
  • Apr 23, 2019

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 Total Health Insurance Plan

  • Why should I buy Future Generali Health Total Plan?

    Health Total by Future Generali is a comprehensive plan that caters to all the medical needs without making finances a stress. Available on individual and family floater basis, the plan covers hospitality medical expenses, daycare treatment expenses, domiciliary hospitalization expenses, pre-hospitalization medical expenses, restoration of sum insured, and other benefits. The plan comes with a lifelong renewability facility.

  • What is the minimum and maximum policy term for Future Generali Health Total Plan?

    The minimum policy term is 1 year. The maximum policy term is 3 years.

  • What is the minimum and maximum entry age for Future Generali Health Total Plan?

    The minimum entry age is 1 day. The maximum entry age doesn’t have a limit.

  • What are the sum insured options for Future Generali Health Total Plan?

    The sum insured options range from Rs. 3 Lakh to Rs. 1 Crore.

  • Does Future Generali Health Total come with added benefits?

    The additional benefits associated with Total Health include: 1) Cumulative bonus 50% on the basic sum insured is provided up to a maximum of 100% of the Sum Insured, subject to no-claim. 2) Family discount of 10%, in case more than one person is covered in the same policy in case of Individual Sum Insured option has been taken. 3) Long-term discount, in case Policy Term is more than 1 year.

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