Health Suraksha Individual is the health insurance offering of Future Generali to Indian residents between the age of 18 yrs and 70 yrs. The Insurer allows online purchase of their health insurance without pre-medical acceptance tests for people upto the age of 45 yrs while those above 45 yrs need to consult the Insurer offline and undergo pre-acceptance medical tests (50% of the medical test expense will be reimbursed by the Carrier upon acceptance of risk). Along with the Primary Insured adult, one can also take cover for a child who is above 90 months old under this policy, provided both parents are concurrently insured under the plan. Future Generali divides India into 3 regions – Zone A, Zone B and Zone C (refer Future Generali’s website for a list of cities under various zones). The Gold plan has been underwritten for people residing in Zone A (Mumbai & Delhi) whose likely cost of healthcare is higher than those in Zone B & C. The Basic and Silver plans from Future Generali are meant for people in Zone C & Zone B respectively.
Know more about your Insurance
Key features: Availability, Benefits and Exclusions
|Product pricing (Incl. S/Tax)||(Rs)|
*Please note in case of an emergency pre-authorization needs to be done with in 24 hrs of admission.
Some key statistics for Future Generali
|Claims Pending Ratio||:||To be Announced soon|
|Complaints Resolved Ratio||:||To be Announced soon|
|Provider Network (cashless)||:||To be Announced soon|
General Health Insurance Tips
Understand the cost of healthcare in your city/area before deciding the total cover (Sum Assured)
If your family includes a young bride, it is important to ensure the coverage of maternity benefits
Ask about the coverage of pre-existing diseases
Look at the waiting period
Satisfy yourself about the specific disease’s coverage under the Critical Illness cover
Inquire about the availability of cashless facility at the Network hospitals
Always compare before buying
Disclaimer: This is only an illustrative document to serve as a quick guide for aide in decision making.
|Information Source:||Future Generali website www.online.futuregenerali.in as on 28th Sep’2011
IRDAI annual report’2010