Health Suraksha Family
Health Suraksha Family Plan
Presenting 'Health Suraksha', a comprehensive Health Insurance Plan that goes the extra mile to make your life convenient. Designed to meet the needs for today's health problems, it allows you to live worry free. And enjoy the reliability of 'Health Suraksha' as you live your life to the fullest.
Scope of Cover
The plan covers following benefits:
- Pre and Post hospitalisation expenses incurred 60 days prior to and 90 days after hospitalisation
- Ambulance charges
- Day care procedures
- Hospital cash
- Pre-existing disease covered after the 4th year
- FREE MEDICAL CHECK-UP after 4th year
- Patient Care Expenses
- Accompanying Person Expenses
- Additional Accidental Hospitalisation Limit
* Benefits may vary from plan to plan
* For further details please refer to the policy wordings
Advantages
- Family Floater
- Cashless Hospitalization facility
- Large Hospital Network of more than 4000 Hospitals across India
- Innovative covers offered
- Fast & Efficient Settlement of claims
- Renewal Discounts
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Main Exclusions
- Any condition, ailment or injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of your first policy.
- Any disease contracted during the first 30 days of commencement of the policy.
- Diseases like cataract, hernia and tumor shall be covered after a waiting period of 2 years.
- Diseases / surgeries like gallstones, renal stones shall be covered after a waiting period of 1 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 3 years except done due to an accident.
- Use of intoxicating drugs or alcohol.
Plan Details
| Plans |
Zone wise Classification |
| BASIC |
Zone C (other cities) excluding Zone A & Zone B |
| SILVER |
Zone B (Chennai, Kolkata, Ahmedabad, Hyderabad & Bangalore) |
| GOLD |
Zone A (Mumbai & Delhi) |
| PLATINUM |
Across India (Zone A + Zone B + Zone C) |
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* For Detailed benefit refer to Policy Wordings
The geographical zones for specific plans as mentioned above are based on the location of the hospital where treatment is taken and not the residence of the insured.
Basic Plan is for insured who has paid the premium for Zone C region which comprises rest of India excluding Zone A and Zone B. In case treatment is taken in Zone A or Zone B the payment will be as per our claim payment Annexure.
Silver Plan is for insured who has paid the premium for Zone B region which comprises Chennai, Kolkata, Bangalore & Hyderabad. In case treatment is taken in Zone A or Zone C the payment will be as per our claim payment Annexure.
Gold Plan is for insured who has paid the premium for Zone A region which comprises Mumbai including Thane, Panvel, Delhi including NCR (National Capital Region).
Platinum Plan covers Basic covers with no restrictions and also additional benefit. This cover is available for sum insured of 6 lacs and above.
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.
Sum Insured
1- 5 Lacs.
Premium
Based on age, sum insured & Plan opted.
Age Eligibility
5 years to 70 years
Children entry only after 90 days and would be eligible if the parents are concurrently insured with Future Generali.
Disclaimer
This is only a summary of the product features. The actual benefits available are as described in the policy, and will be subject to the policy terms, conditions and exclusions. Please seek the advice of your insurance advisor if you require any further information or clarification.
How to buy this insurance?
Please contact us through our Toll Free Help Line / SMS / nearest office.
For further details, please refer the policy brochure and conditions.
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