Future Generali India Insurance Company was started in 2006 and is a joint venture between the Future Group and the Generali Group. Future Generali Health Insurance is one of the leading insurance companies in India, offering a wide range of health insurance plans. The company has established a strong presence in the insurance sector, with a reputation for offering innovative products and services. Future Generali has around 121 branches across the country. Future Generali Health Insurance has won many awards and accolades in recent years. Below are some awards and recognitions of Future Generali Health Insurance:
- Future Generali Health Insurance has won the ‘The Economic Times Best Brand 2020’ award on multiple parameters such as uniqueness, innovation, engagement & trustworthiness.
- Future Generali has won the Gold Award for “Innovation in Surpassing Customer’s Expectations: in the Health Insurance Sector.
- Future Generali India Insurance Company won the “Best Product Launch PR Campaign of the Year” award at the Kamikaze Corporate Communication & PR Leadership Summit in 2019.
- Future Generali Health Insurance won the “ET Now Sales Champion” award in the Year 2018.
- Future Generali Health Insurance won “the Golden Star Award” for Best Insurance Brand under the category Claims Service Leader in Health Insurance.
Future Generali Health Insurance Company Specification
Below mentioned are the key specifications of Future Generali health insurance company:
| Parameters | Specifications |
|---|---|
| Network Hospitals | 8430+ |
| Incurred Claim Ratio (2022-23) | 79.18% |
| Claim Settlement Ratio (less than 3 hrs) (2021-22) | 96.01% |
| Number of Branches | 121 branches |
| Solvency Ratio (2022-23) | 1.86 |
| Market Share (2022-23) | 879.61 crore |
*Data has been sourced from the annual report of IRDAI 2021-22 and IRDAI 2022-23
Key Features of Future Generali Health Insurance
Future Generali has some key features that can be beneficial for its customers. Before choosing any health insurance company, you should look at the insight on various factors of the Future Generali Health Insurance company, such as claim settlement ratio, solvency ratio, Network hospital, etc.
24/7 Customer Support
Future Generali has a 24/7 customer support team that assists policyholders with their queries and grievances.
Claim Settlement Ratio
Future Generali Health Insurance has a dedicated claims team that ensures quick claim settlement. The process is hassle-free, and the policyholder is updated on the claim status at every stage. It is essential to check the claim settlement ratio of the health insurance company as it shows its claim-settling ability. As per the annual report of IRDAI, Future Generali Health Insurance has a claim settlement ratio of 96.01.
Value-Added Services
Future Generali Health Insurance offers policyholders value-added services such as health check-ups, wellness programs, and teleconsultation services.
Solvency Ratio
The solvency ratio is another aspect that should be considered when selecting a health insurance company. Every health insurance company must maintain a solvency ratio of 1.5. According to the IRDAI annual report, Future Generali's solvency ratio for 2022–2023 is 1.86.
Network Hospital
Future Generali has a wide range of network hospitals nationwide. It has tie-ups with more than 8,430+ hospitals where policyholders can get cashless medical treatment.
Health Insurance Policy Offered Under Future Generali Health Insurance
Future Generali Health Insurance offers a variety of health policies, including individual health insurance plans, family health insurance plans, group health insurance plans, and critical illness insurance plans. Below, we have made a list of all health plans along with their coverage benefits and eligibility criteria and categorized them into various categories:
Individual and Family Health Insurance Plan
 |
Future Generali Advantage Top-up Health Plan |
Coverage Benefits
- Covid-19 Treatment
- Daycare Treatment
- Ambulance Cover
Eligibility Criteria
Entry Age: 1 day to No Limit
Sum Insured: 50K to 1 Cr
|
Future Generali Aarogya Bima Health Plan |
Coverage Benefits
- Daycare Treatment
- Room Rent
- Pre and Post-hospitalization
Eligibility Criteria
Entry Age: 1 day to 70 years
Sum Insured: 2 Lakhs to 5 Lakhs
|
Future Generali Arogya Sanjeevani Health Plan |
Coverage Benefits
- AYUSH Treatment
- Daycare Treatment
- Cataract Treatment
Eligibility Criteria
Entry Age: 18 Years to 65 years
Sum Insured: 50K to 10 Lakhs
|
Future Generali Health Super Saver Plan |
Coverage Benefits
- Daycare Treatment
- Domiciliary Hospitalization
- ICU Charges
Eligibility Criteria
Entry Age: 18 Years to 70 Years
Sum Insured: 3 Lakhs to 50 Lakhs
|
Future Generali Health Suraksha Insurance Plan |
Coverage Benefits
- Daycare Treatment
- Pre and Post-Hospitalization
- Cumulative Bonus
Eligibility Criteria
Entry Age: 90 days to 70 Years
Sum Insured: 50K to 10 Lakhs
|
Future Generali Health Total Plan |
Coverage Benefits
- Domiciliary Hospitalization
- Organ Donor
- Maternity Expenses
Eligibility Criteria
Entry Age: 1 day to No Limit
Sum Insured: 3 Lakhs to 1 Cr
|
Future Generali Health Absolute |
Coverage Benefits
- Maternity Expenses
- New Born Baby Cover
- Infertility Expenses
Eligibility Criteria
Entry Age: 18 Years to No Limit
Sum Insured: 3 Lakhs to 1 Cr
Critical Illness Health Insurance
|
Future Generali Critical Illness Health Plan |
Coverage Benefits
- Angioplasty
- Open Chest CABG
- Cardiac Arrest
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 5 Lakhs to 50 Lakhs
|
Future Generali Vector Care |
Coverage Benefits
- Malaria
- Dengue
- Chikungunya
Eligibility Criteria
Entry Age: 1 Day to 65 Years
Sum Insured: 10K to 75K
|
Future Generali Criticare Plan |
Coverage Benefits
- Total Blindness Cover
- Liver Failure Cover
- Open Chest CABG
Eligibility Criteria
Entry Age: 6 Years to 65 Years
Sum Insured: 1 Lakh to 50 Lakhs
Senior Citizen Health Insurance
|
Future Generali Varishta Bima Plan |
Coverage Benefits
- Daycare Treatment
- Road Ambulance
- Free Medical Checkup
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 5 Lakhs to 50 Lakhs
Some Other Health Insurance Plans
|
Future Generali Surakshit Loan Bima |
Coverage Benefits
- Loss of Job
- Loss of Speech
- Personal Accident
Eligibility Criteria
Entry Age: 18 Years to 65 Years
Sum Insured: 10K to 3 Cr
|
Future Generali Hospicash Plan |
Coverage Benefits
- ICU Benefits
- Recovery Benefits
- ICU Benefits outside the city
Eligibility Criteria
Entry Age: 6 months to 65 Years
Sum Insured: 10K to 3 Cr
Future Generali Health Insurance Premium Calculation
These are some of the factors that may impact the premium calculation for Future Generali Health Insurance. It is always best to consult with an insurance agent or use the online health insurance premium calculator provided by Future Generali to get an accurate premium quote. Below are the factors that impact the premium calculation of Future Generali Health Insurance:
- Age of the policyholder
- Medical history
- Sum Insured
- Coverage
- Add-ons
- Geographic location
- Discounts
- Lifestyle of the Policyholder
Why Choose Future Generali Health Insurance?
There are several reasons why someone might choose Future Generali Health Insurance for their health insurance needs. Here are some of the key factors:
Customizable Plans
Future Generali Health Insurance offers a wide range of best health insurance plans that can be customized to suit your specific needs. You can customize your Future Generali health plan as per your needs and budget by selecting the sum insured amount, coverage options, and other features.
Cashless Treatment
Future Generali Health Insurance has tie-ups with more than 8,430+ hospitals across India where policyholders can avail of cashless treatment. This means that you don't have to worry about arranging funds for hospitalization and can focus on getting the treatment you need.
Comprehensive Coverage
Future Generali Health Insurance plans offer comprehensive coverage for various medical expenses such as hospitalization, doctor's consultation fees, diagnostic tests, ambulance charges, and more. You can also opt for add-on covers to enhance your policy coverage.
Ease of Buying and Renewal
Future Generali Health Insurance policies can be bought and renewed online, making the process quick and convenient. You can also avail of various online services such as policy document download, claim intimation, etc.
24x7 Customer Support
Future Generali Health Insurance provides 24x7 customer support where you can resolve all your queries related to Future Generali health insurance plans.
Future Generali Health Insurance Exclusions
Below are the standard conditions not covered under Future Generali Health Insurance plans, but they may vary from plan to plan.
- Suicide or attempted suicide
- Expenses related to rest Cure, rehabilitation and respite care
- Expenses related to Obesity or Weight Control
- Expenses related to gender change
- Sexually transmitted diseases (STDs) like HIV
- Alcohol or drug abuse
- Cosmetic Surgery
- Plastic Surgery
- Injuries happened due to participation in adventurous sports
- Weight reduction treatment
- Correction of eyesight
- Medical expenses incurred due to war or similar conditions
Future Generali Health Insurance Buying Process
Future Generali Health Insurance offers a simple, easy and user-friendly buying process. You can buy Future Generali Health plans via the official website and RenewBuy.com. Below, we have mentioned both the buying processes of Future Generali Health Insurance in detail:
Through Future Generali Official Website
- Visit the official website of “Future Generali Health Insurance”.
- Click on the “I want to Insure” tab.
- Select your desired plan.
- Fill in all the details and click the “Get Quote” button.
- Make an online payment, and the insurance company will send the policy documents to your registered email address.
Through "RenewBuy.com"
- Visit the official website of "RenewBuy".
- Click on the "Health Insurance Plan" tab.
- Select the desired plan.
- Fill in all the required details.
- Click on the "Buy Now" button.
- Make payment.
- We will send the policy documents to your registered email ID.
Why Buy Future Generali Health Plans From RenewBuy?
RenewBuy brings you the best deals on Future Generali Health Insurance plans across the market. The key reasons for you to consider us are as follows:
- IRDAI Certified
- Get Insured by a leading Insurer
- Discounted Premiums
- Compare Various Health Plans in Just a few Clicks
- Simple & Easy Buying Process
- 24x7 Claim Assistance
Future Generali Health Insurance Renewal Process
You need to renew your Future Generali Health policy on time to continue enjoying your coverage. You can also contact Future Generali Health Insurance's customer service team for any queries or assistance in the health insurance renewal process. Below mentioned is the renewal process of Future Generali Health Insurance:
-
Visit the “Future Generali Health Insurance” official website.
-
Click on the “Renew Health Insurance” tab.
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Enter your “policy number” and other details, such as date of birth.
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The next page will show you the renewal amount.
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Pay your renewal premium amount.
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The company will send your policy document to your registered email address.
Future Generali Health Insurance Claim Settlement Process
You can make two types of claims under Future Generali Health Insurance, i.e., Cashless Claim and Reimbursement Claim. Below, we have mentioned both claim processes in detail:
Cashless Claim Process
- Show your Future Generali Health Card at the hospital's reception desk.
- Submit the duly signed pre-authorization form to the Future Generali Health Insurance Company.
- The health insurance company will verify the details and approve your cashless treatment.
- After approval, the company will settle the treatment bills directly with the hospital.
Reimbursement Claim Process
- Pay your hospital bills and collect all the documents, such as discharge summaries, payment receipts, etc.
- Download the Future Generali Claim Form from the official website.
- Submit all the required documents and the claim form at the nearest Future Generali Health Insurance branch.
- Once verified, the health insurance company will transfer the reimbursement amount to your bank account.
Future Generali Health Insurance Contact Details
Future Generali Health Insurance provides 24x7 customer care to all customers. Here are the contact details for Future Generali Health Insurance:
Customer Care Helpline:1800-220-233, 1800-500-3333 (toll-free)
Email: fgcare@futuregenerali.in
WhatsApp No.+917678006000
You can also visit the nearest Future Generali Health Insurance branch to assist with your policy or purchase a new one.