Future Generali Vector Care 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 Vector Care Health Insurance
Future Vector Care is Future Generali’s excellent medical insurance policy that provides cover if the insured is diagnosed and hospitalised, owing to serious illness caused by vectors. Offering lump sum payment of 100%, in case of hospitalisation, the policy provides cover for 7 major vector-borne diseases. Comprehensive in its coverage, the policy can be issued for policy terms of 1 year, 2 years, and 3 years. Most importantly, Future Vector Care provides coverage for self, spouse, up to 3 dependent children (unmarried and up to the age of 25 years) and 2 dependent parents under the single policy on an individual sum insured basis.
Providing cover against Malaria, Dengue, Kala-azar, Chikungunya, Lymphatic Filariasis, Zika Virus, and Japanese Encephalitis, Future Vector Care is a superior choice to make to prevent financial instability during a medical emergency. Apart from featuring a cooling-off period (no claim period) of 60 days applicable from the date of admission of a claim against a covered condition, the policy is a worthy investment. Lastly, Future Vector Care comes with a lifelong renewability feature.
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Key Inclusions and Exclusions of the Plan
What's Included
- Payment of 100% of lump sum made
- Coverage against 7 vector-borne conditions
- Sum insured range - Rs. 10,000 to Rs. 75,000
- Hospital admission longer than 24 hours for any one of the covered conditions
- Freedom from pre-insurance medical examination test, irrespective of the sum insured and age of the insured
What's Not Included
- Non-allopathic treatment
- Delayed medical treatment by the insured
- Any condition other than those covered under the policy
- Diagnosis and treatment taken outside India (Not applicable for Canada, Dubai, Japan and other countries/cities)
- Any treatment taken on outpatient basis
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Future Generali Vector Care Expert Review
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Major Attractions
Future Vector Care is a wide coverage policy that ensures complete financial and health protection of you and your loved ones, and that too at a low premium rate. Comprising multiple key aspects for the benefit of the insured, the policy is a complete package that lets you concentrate on receiving treatment while covering all expenses. The list of key highlights of Future Vector Care include -
- Coverage for 7 vector-borne diseases
- Lump-sum payment of 100% of sum insured
- Hospitalisation for more than 24 hours covered
- Sum insured options - Rs. 10,000 up to Rs. 75,000
- No pre-insurance medical examination test required
- No loading on premium for adverse claims experience
- Automatic restoration of sum insured by deduction of pro-rata premium from the payable claim amount
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What’s More?
There’s no doubt that Future Vector Care caters to the desired medical needs of those in the need of treatment of vector-borne diseases. It is because of the multiple major inclusions that the policy is widely opted for. Also present are a few features that make the policy even more worthwhile. The list of such elements comprises of -
- Lifelong renewal of policy
- Free look period - 15 days
- Grace period - 30 days
- Portability allowed as per Portability Guidelines
- Tax benefits under Section 80D of the Income Tax Act
- Long-term discount - 5% for a 2-year policy and 7.5% for a 3-year policy
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Conclusion
Future Vector Care would be a great choice to go with if you fear being detected with vector-borne conditions, especially the ones covered under the policy. Buying this policy can really help you with gaining coverage for diseases like Malaria, Dengue, and others without having to manage finances somehow.
If interested in Future Vector Care, make sure you buy the policy online to get it issued without any delay. Choosing InsuranceDekho for the same will be fruitful in terms of policy portability & transparency, claim settlement support, and other benefits as well.
Claim Process at Future Generali Health Insurance
FAQs on Vector Care Health Insurance Plan
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What is the minimum & maximum policy term for Future Vector Care?
While the minimum policy term for Future Vector Care is 1 year, the maximum policy term is 3 years.
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Does Future Vector Care offer lifelong renewability feature?
Yes! Future Vector Care policy is renewable for life.
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What are the vector-borne diseases covered under Future Vector Care?
Chikungunya, Dengue, Japanese Encephalitis, Kala-azar, Lymphatic Filariasis, Malaria, and Zika Virus are the vector-borne diseases that Future Vector Care covers.
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What are the sum insured options covered by Future Vector Care?
Future Vector Care comes with a wide sum insured range that starts from Rs. 10,000 and goes up to Rs. 75,000.