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What Is Special About HealthTotalVital Policy?

A Comprehensive product which offers special care for all. Our Health Total product offers all the covers a person might think to give him a peace of mind, which an individual deserves in this stressful and busy life

Features of Future Generali HealthTotalVital Health Insurance Policy

Check the features and coverage of Future Generali HealthTotalVital Health Insurance plan below:

Ambulance Charges

For Network Providers: Covered upto actual expenses per hospitalization.For Non-Network Providers: reimbursed up to Rs 1500 per hospitalization.

Ayush Treatment

Ayush benefit up to Rs. 600000

Cover Restoration

100% of cover amount

Day Care Procedures

All procedures covered

Treatment At Home

Covered up to Rs. 600000

Free Health Check-up

Free medical check-up after every ##value## years

Future Generali HealthTotalVital Plan Resources

Policy Brochure

Exclusions of Future Generali HealthTotalVital Health Insurance Policy

Future Generali HealthTotalVital plan does not cover the following:


Daily cash allowance

Charges incurred at a hospital primarily for diagnostic, x-ray or laboratory examinations

Positive existence or presence of any illness or injury

Cost of an annual health check-up

Injury or illness caused by war,invasion, act of foreign enemy.

Calculate HealthTotalVital Plan Premium

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 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 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

Future Generali Customer Care

Customer Care Number

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