Future Health Suraksha
Wherever you go, we’ll go with you.
Individual Plan
Call us at: 1800-220-233 (MTNL / BSNL) or 1860-500-3333 (any other service provider). SMS FG to 567678.
Always within reach.
Your health is your most important asset. And with Future 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. It’s our way of protecting you even against the unpredictable.
Benefits
- Cashless settlement
- Innovative covers offered
- Quick settlement of claims
- Renewal discount
- Cumulative bonus
Eligibility
Age eligibility - age 90 days to 45 years
A child’s entry will only be eligible if the child is over 90 days of age and the parents are concurrently insured with Future Generali.
Sum assured eligibility
No pre-acceptance medical tests up to age 45 years irrespective of sum insured, if the proposal form is clean
Details of the coverage
- With 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
- Ambulance charges
- Day-care procedures
- Hospital cash
- Pre-existing disease covered after four years of consecutive renewal
- Free medical check-up
- Accompanying person expenses up to Rs. 500 per day
- Additional accidental hospitalisation limit enhanced by 25% of balance sum insured, subject to a maximum of Rs. 1 lakh
* Benefits may vary from plan to plan.
Other benefits
*Renewal Discount of 5% on the renewal premium applicable on the date of renewal, for each claim-free year by the insured, 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 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 until 48 months from the date of inception.
- 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
PLANS| ZONE WISE CLASSIFICATION |
BASIC| Zone C (Other Cities) Excluding Zone A & Zone B |
SILVER| Zone B (Chennai, Kolkatta, Ahmedabad, Hyderabad & Bangalore) |
GOLD| Zone A (Mumbai & Delhi) |
PLATINUM| Across India (Zone A + Zone B + Zone C) |
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 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.
* Internal Sublimits for Room, Board & Nursing Expenses /Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fee /Anaesthesia, Blood, Oxygen, Operation Theatre Charges etc., will not be applicable for Sums insured of Rs 2 lakhs and above under All Plans.
Claim Payment Annexure
| Benefit Plan | Zone A | Zone B | Zone C |
| Platinum Plan | 100%* | 100%* | 100%* |
| Gold Plan | 100%* | 100%* | 100%* |
| Silver Plan | 80%* | 100%* | 100%* |
| Basic Plan | 70%* | 80%* | 100%* |
*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 location (Zones) where the treatment has been taken has been relaxed for some major illnesses.
Acute Myocardial infarction
Major Accidents requiring immediate hospitalization and treatment
Acute Cerebrovascular Accident
Third degree burns.
*** For terms, conditions and exclusions please refer to policy wordings.
If you are suffering from an illness / disease or if you meet with an accident which requires hospitalisation, please contact MDIndia Healthcare Services (TPA) Pvt. Ltd. immediately. This service provider has been appointed by us to service your health policy. It is advisable to receive treatment in a hospital that belongs to the network and undergo cashless access, which can be availed of at these hospitals on producing a MDIndia Healthcare Services Health ID Card along with a photo identification proof. If cashless access cannot be used, pay the hospitalisation expenses and submit the bills to MDIndia Healthcare Services (TPA) Pvt. Ltd. for reimbursement.
MDIndia Healthcare Services (TPA) Pvt. Ltd. has a network of over 3,000 hospitals across India and receives new additions to the network daily.
MDIndia Healthcare Services (TPA) Pvt. Ltd.
3rd Floor, Building A2,
e-space, Somnath Nagar, Vadgaon Sheri,
Nagar Road, Pune – 411014.
Customer care no : 1860 233 4446
Branch fax no : 1860 233 4447
Authorisation no : 1860 233 4448
Authorisation fax no: 1860 233 4449
Toll free customer care: 1800 233 1166
Toll free authorisation no: 1800 233 4505
Toll free authorisation fax no: 020-25300030
The Generali Group has been a leading provider of insurance and financial services in the global market for 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 yourexpectations. With more than twelve million square feet of retail space and a presence across the country in different formats, the Future Group’s 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 two caring 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 Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India Insurance Company Limited.
Future Generali India Insurance Company Limited
Regn. No.: 132
Registered and Corporate Office: 001, Delta Plaza, 414, Veer Sawarkar Marg, Prabhadevi, Dadar (W), Mumbai - 400 025.
Website: www.futuregenerali.in
Email: care@futuregenerali.in
ARN.: FG-NL/PD/MKTG/EN/FHS(IP)-A001BR
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.
“Online Future Accident Suraksha” plan ensures security and financial stability in case of any unforeseen accident.
Wouldn’t it be nice to never wonder, what if...? To never have misgivings? To be prepared for absolutely anything? Here’s where we come in. With Future Accident Suraksha - We’ll take care of any financial consequences that an unforeseen event might incur. So go on and live a life without worries. After all, when you’re insured even against the unforeseen, peace of mind comes easy.
What is Accident Suraksha Policy?
An Accident Suraksha Policy is a policy which covers the insured against bodily injury or death caused due to accidents.
Primary covers
- Accidental Death * (AD )
- Permanent Total Disability (PTD)
- Permanent Partial Disability(PPD )
*Death is a mandatory cover
Additional Covers
In case of payment of additional premium, the following additional benefits can be availed
- Adaptation Allowance - The policy covers expenses towards modification of vehicle or some changes in house necessitated by Permanent Total Disability up to a limit of 10% of the Sum Insured ( under Death cover )subject to a maximum of Rs.50, 000 ( this can be opted only if Permanent total disability cover is taken )
- Family Transportation Allowance – In case of an admissible claim under any of the Primary covers (AD /PTD / PPD) the policy covers expenses incurred for the transportation by a common carrier of an immediate family member to the place of hospitalization, provided the place of hospitalization is outside 100 kms of the insured’s normal place of residence and the attending doctor has recommended for a personal attendance of an immediate family member. The maximum amount payable for this cover shall be limited to 10% of the Sum Insured (under Death cover) subject to maximum Rs.50, 000/-.
- Hospital Cash Allowance – In case of an admissible claim under any of the primary covers, the policy pays Rs 1200/- for each completed day of hospitalization for a maximum period of 30 days .
Age eligibility
An individual of age 18 to 65 years can opt for this policy .
In case of Family Self , Spouse and dependent children of age 5 yrs to max 25 yrs can be covered.
Sum insured Eligibility
- Sum insured is based on the monthly income .The maximum sum insured that can be availed is up to 25 lakhs. The sum insured for the Proposer shall be the highest among the family
- The maximum sum insured for non-working spouse is 50% of Proposer sum insured subject to maximum of Rs10 lakhs
- The maximum sum insured for dependent children is 25% of sum insured of Proposer subject to maximum of Rs 5lakhs
Sum Insured Commensuration
| Primary Cover | Multiplier for monthly income commensuration for maximum Sum Insured |
| Accidental Death | 144 |
| PTD | 72 |
| PPD | 36 |
Extra Benefits
- 10% Family discount can be given if cover is opted for family members
-
- No claim Bonus to be provided to each insured in case of claim free year subject to maximum of 25%
- Inbuilt Terrorism Cover
The policy does not cover
Person working in underground mines, in explosive magazines or in electrical installations with high-tension supply Or jockey, circus personnel, engaged in racing in wheels or horseback, big game hunting, mountaineering, winter sports, skiing, ice-hockey, river rafting, polo or in a similar activity or occupation , Military, paramilitary and police personnel , Aviation crew and pilots.
Main exclusions
- Any existing disablement prior to the inception of the policy
- Suicide, attempted suicide
- Serving in military, armed forces
- Under the influence of drugs, alcohol and other Intoxicants
- Participation in felony, riots, war, etc.
- Exposure to nuclear, radioactive materials
How do I submit my claim?
If you meet with an accident and injure any part of your body that may result in a claim, you or someone claiming on your behalf must inform us in writing immediately and in any event within 14 days.
Incase of death due to accident, the same must be informed to us in writing immediately and send us a copy of the post mortem report within 14 days.
Email ID: care@futuregenerali.in
Care Line numbers: 1800 220 233 (for MTNL / BSNL
subscribers) and 1860 500 3333 (for any other service
provider).
In case the insured is hospitalised, kindly collect all the hospitalisation documents at the time of discharge. Submit the claim documents to Future Generali office for claim processing within seven days after the conclusion of the treatment.
Who is entitled to get the payment?
The payment will be made to you or your nominee. If there is no nominee and you are incapacitated or deceased, we will pay your heir, executor or validly appointed legal representative and any payment we make in this way will be a complete and final discharge.
*** For terms, conditions and exclusions refer to policy wordings.