Easily Organize, Claim and Renew Insurance!

About Future Generali Health Insurance

Future Generali is formed as a collaboration between the Future Group and the Generali Group.While the Future Group is a leading Indian retail company,Generali Group is an international insurance group which has insurance business in multiple countries.Generali Group was found in Italy in the year 1831 and has more than a century of experience in the insurance sector

Future Generali offers a range of general insurance plans like travel insurance,motor insurance, home insurance, lifestyle insurance, personal accident insurance, etc. Health insurance is also a category of the product offered by the company. Besides these retail insurance solutions, the company also offers a range of commercial insurance solutions for businesses and corporate houses

With their recent campaign #CoverThe Distance, the company is helping its customers to make the most of the lockdown and stay connected with their loved ones. This global insurance maestro is helping people see the brighter side even in this grim scenario

Here are some facts and benefits about Future Generali which make the company’s health plans beneficial to buy

  1. The company has more than 3000 corporate customers and it has already sold more than 82 lakh policies in India ever since it was established
  2. The Assets under Management of Future Generali as on 31st March 2019 stand at INR 3629 crores which shows the strong financial position of the company
  3. The company is present across India through its network of more than 125 branches making it easier for you to buy its health insurance policies offline
  4. The company settles about 21 lakh claims every year
  5. There are more than 5100 hospitals that are tied-up with Future Generali for providing cashless treatments to its health insurance customer
  6. The company has acquired ISO 9001:2008 certificate for the quality of products that it offers

Future Generali Claim Settlement Ratio


Future Generali


Industry Average

Health claim settlement ratio is the percentage of claims settled against the total claims received by the insurance company in a given fiscal year. Future Generali has a claim settlement ratio of 96.01%, as compared to the industry average of 94.21%.

Future Generali Health Insurance Plans Overview

Future Generali health insurance offers 1 health insurance plan. The premium of these plans starts from Rs. 4233/yr. The sum insured ranges from Rs. 3 Lakh - 10 Lakh. Details of the comprehensive coverage provided by the following 1 Future Generali health insurance plan is listed below:

Future Generali HealthTotalVital Policy

Starting Premium- 4,233/Yr

Eligible Age

1 day onwards


3 Lakh - 10 Lakh

Top Features From Future Generali Health Plans

Features of Future General health insurance plans Health insurance plans offered by Future Generali have the following common features

  • The plans allow coverage on an individual as well as family floater basis
  • You can renew your health plans lifelong without any maximum cover ceasing age
  • There are two main types of health plans offered by Future Generali. One is the indemnity based health plan which covers the actual costs of hospitalisation and the other is the fixed benefit health plan which pays a lump sum benefit if the claim occurs irrespective of the actual costs incurred
  • The coverage benefits under all Future General health insurance plans are quite extensive promising you good coverage
  • Premium rates are competitive and the plans offer different types of discounts to reduce the premiums further

Coverage under Future Generali Health Insurance Plans : Future Generali health insurance plans offer different types of coverage benefits depending on the plan that you choose.While fixed benefit plans cover specific instances like critical illness, hospitalisation, specific diseases, mediclaim policies provide a range of coverage benefits. These coverage benefits include the following

  • Inpatient medical expenses : When you are hospitalised and your hospitalisation is for an illness or injury, the expenses incurred on treatments are covered under this head. The hospitalisation should be for 24 hours or more to avail coverage. The expenses which are covered include nursing fee, room rent, ICU room rent, operation charges, doctor’s fee, surgeon’s fee, anaesthesia, blood, medicines, etc.
  • Pre and post hospitalisation : The expenses which are incurred before you are hospitalised for treatment as well as after you are discharged from the hospital after the treatment are also covered.These expenses are called pre and post hospitalisation expenses respectively and they are covered for up to a specific period
  • Day care treatments : If you are hospitalised for treatment and the treatment does not take 24 hours due to medical advancements, such treatments are covered under this head
  • Organ donor treatments: The expenses incurred in harvesting an organ from a donor for your organ transplant surgeries are covered under a mediclaim insurance policy
  • Domiciliary treatments Treatments which are taken at home because of unavoidable circumstances are called domiciliary treatments.These treatments are covered subject to certain terms and conditions
  • AYUSH treatments :If you take treatments through non-allopathic means like Ayurveda, Unani, Homeopath, etc. you can avail coverage for the costs incurred on such treatments
  • Free health check-ups: You get the benefit of availing free preventive health check-ups once after the completion of specified number of policy years

Exclusions Across Future Generali Health Plans

Though Future Generali health insurance plans have a good scope of coverage, there are some common exclusions and in such cases, the claim is not paid.These exclusions include the following

  1. Self-inflicted injuries and attempted suicides
  2. Acts of criminal nature
  3. Participation in hazardous activities
  4. Cosmetic treatments
  5. Pre-existing illnesses are covered only after a specified waiting period
  6. Mental illnesses and disorders
  7. Sexually transmitted diseases
  8. Dental treatments, LASIK surgeries, etc.
  9. Maternity related costs unless specifically covered under the plan
  10. Illnesses and injuries suffered due to war, rebellion and nuclear threats

Future Generali Premium Calculator

Use the Future Generali health insurance premium calculator to estimate your health insurance premiums.

Premium Calculator

Enter just a few details to calculate your health insurance premium within 30 seconds.

Future Generali Customer Care

Customer Care Number

Future Generali Claim Process

Future Generali supports both cashless claims and reimbursement claims. This section covers the information on how to check Future Generali health insurance claim status, fill Future Generali health insurance claim form, and the claim settlement process.

  1. If you are taking treatments at a networked hospital for cashless claims, a pre-authorization form would be required. You should fill up this form and submit it within 24 hours of an emergency hospitalisation or before 3-4 days before a planned one
  2. Based on the pre-authorization form, the claim would be approved by the insurance company
  3. After the claim is approved, you can take cashless treatments and your medical bills would be settled by the insurance company directly

  1. In case of treatments taken at a non-networked hospital, you would have to bear the costs yourself
  2. Once you are discharged,you should fill up a claim form and claim reimbursement of the expenses
  3. Based on the claim form submitted, the insurance company would reimburse you for the medical costs that you have incurred

Future Generali Health Insurance Renewal Process

Online Renewal Process for Future Generali Health Policy

Renewing your Future Generali Health Insurance can be completed in 2 simple steps:

Step 1: Visit the Official Website of Future Generali India Insurance Company Ltd.

Step 2: Select Renew Option from the top navigation menu and select Health Insurance

Step 3: Add your policy number and policy expiry date to proceed with renewal and payment options

Don’t forget to review all policy details and make necessary changes at the time of renewal like adding family members, coverage amount, etc.

There is also an option of long-term multi-year policy that provides coverage for multiple years and at discounted premium with no need for yearly renewals. You must check the availability for the insurer and opt for this in case you are someone who tends to miss out on renewals

Offline Renewal Process for Future Generali Health Insurance Policy

If you want to go via the offline mode then you can renew your health insurance policy by calling the toll-free number of Future Generali at 1860 500 3333 / 1800 220 233 and sharing your health policy renewal requirements with the customer care executive

Another way is by visiting the nearest branch to initiate your policy renewal

You can also renew your Future Generali policy with the help of Turtlemint insurance advisors. For instant policy renewal, visit www.turtlemint.com or renew your policy by downloading the Turtlemint App here


Indemnity health insurance plans are those which cover the actual medical costs that you incur subject to a maximum of the sum insured opted by you. Thus, if you have coverage of INR 5 lakhs but your medical bills total INR 1 lakh the policy would pay only INR 1 lakh in claims

Yes, the premium of a continuous policy would have to be paid at once. However, Future Generali allows you easy instalment facility wherein you can pay the premium in instalments if you want

No, Future Generali does not load the premiums due to your claim experience. So, even if you make a claim in your health insurance policy, the premium would not increase on renewals.

Future Generali allows dependent parents to be covered under some of its health insurance plans. So, you need to check whether the plan that you want to buy allows coverage for dependent parents or not. It is, however, better to cover dependent parents in a separate health insurance plan so that they can be covered optimally and you can also claim an additional tax benefit on the premiums that you pay for their plan.
Book A Free Consultation

Feeling Unsure About Insurance Plans?

Our experts can help you make informed decisions

  • IRDAI certified expert advice
  • Free consultation
  • Claim support

No charges. No spam!

Manage All Your Policies In One Place

  • All policies, one app
  • Free claim service
  • All policies explained
  • Consult an expert

Health Insurance Companies Similar To Future Generali