About Future Generali Health Total – Vital Plan
In today's stressful and polluted world, your health often suffers. From regular issues to serious ailments requiring hospitalization, medical treatments can be costly. To prepare for such events, it's wise to have a health policy. Health Total offers comprehensive coverage, addressing all your medical needs with a single policy.
Plan Highlights:
| Categories | Specifications |
|---|---|
| Sum Insured (SI) | Rs. 3, 5 and 10 Lacs |
| Policy Tenure | 1/2/3 years |
| Cumulative Bonus | 50% of SI increase per claim free year, max up to 100% of SI; |
| Initial Waiting Period | 30 Days |
Plan Eligibility Criteria:
| Parameters | Criteria |
|---|---|
| Minimum Entry Age |
Adult: No Limit; Child: 1 Day |
| Maximum Entry Age |
Adult: No Limit; Child: 25 Years |
| Exit Age |
Adult: 99 Years; Child: 25 Years |
| Cover Type | Individual: Max up to 6 persons Floater: Max up to 2A+4C |
| Who are covered | Self, Spouse/Live-In Partner/Same Sex Partner, Son, Daughter, Father, Mother, Mother-In-Law, Father-In-Law, Grand Father, Grand Mother |
Features & Benefits of Future Generali Health Total:
For complete health coverage for your family, choose our Future Generali Health Total Policy. It covers all medical expenses and offers discounts, tax benefits, and co-payment options! Here's a detailed look at the key highlights:
Pre Existing Disease
Covered after 2 years from the policy start date
Room Rent Limit
Covered up to Sum Insured
ICU Charges
Covered up to Sum Insured
Cumulative Bonus
50% of Sum Insured per year, max up to 100% of SI
Organ Donor
Covered up to Sum Insured
Pre-Hospitalization
Covered up to 60 days
Post-Hospitalization
Covered up to 90 days
Domiciliary Hospitalization
Covered up to 10% of Sum Insured
Road Ambulance Cover
Covered up to Rs. 1,500 per policy year
Maternity Waiting Period
3 Years
Maternity Benefits Limit
Normal delivery covered up Rs 25,000 and Caesarean delivery covered up to Rs 40,000
Day Care Treatments
All listed day care procedures are covered up to Sum Insured
Restoration Benefit
Sum Insured once in a year
Co-Pay
Insurer pays full claim up to entry age of 59 years
AYUSH Treatment
Covered up to Sum Insured
Advance Technology Methods
Specified methods taken during Hospitalization, covered up to Sum insured
Tax Benefits
Avail of tax benefits up to Rs. 75,000 under Section 80D of the Income Tax Act
Unlimited E-Consultations
Available for Consultations with General Physicians
Exclusion of Future Generali Health Total:
It is important to note that the plan may not cover certain illnesses or medical conditions. Here are some diseases not covered under the Future Generali Health Total:
New Born Baby Covered
Not Covered
Health Check Up
Available with Add-Ons
Daily Hospitalization Allowance
Not Covered
Worldwide Emergency Cover
Not Covered
Air Ambulance Cover
Not Covered
Permanent Exclusions:
War Related Injuries
Lasik Eye Treatments
Cosmetic Surgery
Administratives Expenses
Drugs or Alcohol Abuse
Registration Fees
Change-of-Gender treatments
Birth disabilities
