Brochure - Future Generali Health Suraksha -Family Plan.

Call us at: 1800-220-233 (MTNL / BSNL) or 1860-500-3333 (any other service provider). SMS FG to 567678.

Wherever you go, well go with you.

Family Plan

Future Generali Health Suraksha

Always within reach. Your health is your most important asset. And with Future Generali Health Suraksha, we ensure that you will never have to go too far to protect it. Our network of hospitals across the nation will handle any medical problem that arises. Its our way of protecting you even against the unpredictable.

Benefits Inhouse claims servicing through Future Generali Health (FGH) Cashless settlement Innovative covers offered Quick settlement of claims Renewal discount No claim cumulative bonus

EligibilityAge eligibility - age 90 days to 45 years A childs entry will be eligible if the child is over 90 days of age and the parents are concurrently insured withFuture Generali.

Sum assured eligibility Sum insured value of up to ` 10 lakhs will be accepted forthose within 45 years of age without medical tests, subject toa clean proposal form.

Details of the coverage With Future Generali Health Suraksha, the member has access to cashless facility at our empanelled hospitals across India

Pre and post hospitalisation expenses incurred from 60 days prior up to 90 days after hospitalisation, without any sublimits

Ambulance charges

Day-care procedures

Hospital cash

Pre-existing disease covered after four years of consecutive renewal

Free medical check-up is available for any two of the insured family members* at our empaneled diagnostic centers after every four claim free years.

Patient care expenses up to a maximum of ` 350 per day

Accompanying person expenses up to ` 500 per day

Additional accidental hospitalisation limit enhanced by 25% of balanced sum insured, subject to a maximum of ` 1 lakh

Grace period of 15 days from date of expiry for renewal

Loading of maximum 30% would be applicable for adverse claims experience

* Benefits may vary from plan to plan.

* For further details please refer to the policy wordings.

Other benefits Renewal discount of 5% for each claim-free year by the entire family, up to a period of five years. At the end of the fifth year, subject to no claim, cumulative bonus of 10% on the basic sum insured for every claim-free year thereafter, will be provided up to a maximum of 50% of the sum insured.

Tax benefit Premium paid by any mode other than cash is eligible for tax relief as provided under Section 80-D of the Income Tax Act.

Exclusions Any condition, ailment, injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to the

inception of your first policy, till the conclusion of until 48 consecutive months have elapsed after the date of inception of the first policy with us

Any disease contracted during the first 30 days from the commencement of the policy

Diseases like cataract, hernia and tumour shall be covered after a waiting period of two years

Diseases / surgeries like gallstones, renal stones shall be covered after a waiting period of one year

Non-allopathic treatment

Congenital diseases

All expenses related to AIDS and related diseases

Joint replacement surgery shall be covered after a waiting period of three years, unless required due to an accident

Use of intoxicating drugs or alcohol

Details

The geographical zones for specific plans as mentioned above are based

on the location of the hospital where treatment is received and not the

residence of the insured.

The Basic Plan is for those who have paid the premium for the Zone C

region, i.e. all India excluding Zone A and Zone B. In case the insured is

treated in a hospital that falls under Zone A or Zone B, the payment will be

as per our claim payment annexure.

The Silver Plan is for those who have paid the premium for the Zone B

region which comprises Chennai, Kolkata, Bangalore and Hyderabad. In

case the insured is treated in a hospital in Zone A or Zone C the payment

will be as per our claim payment annexure.

The Gold Plan is for those who have paid the premium for the Zone A

region which comprises Mumbai including Thane and Panvel, and Delhi

including NCR (National Capital Region).

The Platinum Plan covers Basic covers with no restrictions and includes

additional benefits. This cover is available for sum insured of 6 lakhs and

above.

Premium table The premium will be based on the eldest member of the family.

Inclusive of S.T.

Basic

Plans Zone wise classification

Basic Zone C (other cities) excluding Zone A & Zone B

Silver Zone B (Chennai, Kolkata, Ahmedabad, Hyderabad & Banglore)

Gold Zone A (Mumbai & Delhi)

Platinum Across India (Zone A + Zone B + Zone C)

*For detailed benefits, refer policy wordings.

Claim payment annexureBenefit Plan Zone A Zone B Zone CPlatinum Plan 100%* 100%* 100%*Gold Plan 100%* 100%* 100%* Silver Plan 80%* 100%* 100%* Basic Plan 70%* 80%* 100%*

SI 3 months - 25 yrs 26 - 35 yrs 36 - 45 yrs2,00,000 3,053 3,241 4,1393,00,000 4,206 4,718 5,4604,00,000 5,111 5,486 6,6175,00,000 7,028 7,661 8,508

2 adults


2 adults + 1 Child


2 adults + 2 Children

*The percentage of claim amount shown in the above table is with respect to the eligible claim amount. The condition of co-payments applicable depending upon the geographic locations (Zones) where the treatment has been taken has been relaxed for following major illnesses. a) Acute Myocardial Infarctionb) Major Accidents requiring immediate hospitalisation and treatment c) Acute Cerebrovascular Accidents d) Third Degree Burns

Silver


1 adult + 1 child


1 adult + 2 children


2 adults



2 adults + 1 child


2 adults + 2 children


1 adult + 1 child


Gold

Platinum


2 adults


2 adults + 1 child




1 adult + 1 child




2 adults + 1 child


2 adults

To ,Claims Department Future Generali Health (FGH)Future Generali India Insurance Company Ltd.2nd Floor, Kant Helix, Bhoir Colony, Opp Tata Motors, Chinchwad, Pune-411033. Toll free number: 1800 103 8889Fax number: 1800 103 9998Email: [email protected]

(* The network of hospitals is subject to change without notice.)




1 adult + 1 child



In-house Claims Servicing through Future Generali Health (FGH )Team.*Cashless facility offered in network hospitals of Future Generali.Cashless facility is subject to mandatory pre-authorisation by Future Generali Health (FGH) and subject to policy conditions.Cashless facility can be availed on producing the FGH -Health ID Card along with a photo identification proof. In case cashless facility is not availed, the claim documents can be submitted directly to the mentioned address, for reimbursement.

The Generali Group has been a leading provider of insurance and financial services in the global marketfor nearly two centuries. Generali is a name that has become synonymous with security and reliability for millions of clients around the world.

The Future Group understands what makes you different and offers you services and products that exceed your expectations. With more than twelve million square feet of retail space and a presence across the country in different formats, the Future Groups vision is to deliver

everything, everywhere, every time, to every Indian consumer in the most profitable manner. The group considers Indianness its core value and its corporate credo is Rewrite Rules, Retain Values.

Future Generali is the coming together of these twocaring entities. We offer an extensive range of general insurance products, and a network that ensures we are close to you wherever you go. Our skilled and trained individuals understand your insurance needs and will create customised solutions for you.

Future Groups and Generali Groups liability is restricted to the extent of their shareholding in Future Generali India Insurance Company Limited.

Future Generali India Insurance Company LimitedRegn. No.: 132

Registered and Corporate Office: 001, Delta Plaza, 414, Veer Sawarkar Marg, Prabhadevi, Dadar (W), Mumbai - 400 025.Website: www.futuregenerali.inEmail: [email protected]

ARN.: FG-NL/PD/MKTG/EN/FHS(FP)-001BR

Disclaimer: The information in this brochure is only indicative in nature. For details of the coverage and exclusions please contact our nearest office. Insurance is the subject matter of solicitation. Tax benefits are subject to change.

Brochure - Future Generali Health Suraksha -Family Plan.

Documents

Transcript of Brochure - Future Generali Health Suraksha -Family Plan.