What does Future Generali Health Insurance Coverage include?

It includes hospitalisation, day-care procedures, surgeries, room rent, doctor fees, diagnostics, and pre- & post-hospitalisation expenses depending on the plan.

Which illnesses are covered under Future Generali Health Insurance benefits?

It covers diseases like diabetes, hypertension, cardiac issues, thyroid disorders, kidney problems, cataract, and more after waiting periods.

Does Future Generali cover pre-existing diseases?

Yes, pre-existing diseases are covered once you complete the PED waiting period (24–48 months depending on the variant).

Are cashless treatments available under Future Generali Health Insurance Coverage?

Yes, cashless treatments are available at thousands of network hospitals across India.

Does the policy cover AYUSH treatments?

Yes, AYUSH treatments (Ayurveda, Homeopathy, Siddha, Unani) are covered in most plans as part of Future Generali Health Insurance benefits.

Is maternity coverage included?

Maternity and newborn benefits are available only in select variants and usually have a 4-year waiting period.

Are mental health treatments covered?

Yes, in-patient psychiatric and mental health treatments are included under eligible plans.

Does the plan cover day-care procedures?

Yes, all variants cover 300+ day-care procedures that don’t require 24-hour hospitalisation.

Are organ donor expenses covered?

Yes, medical and surgical expenses for the organ donor are covered under select Future Generali Health Insurance benefits.

Does Future Generali cover critical illnesses?

Critical illness cover is available as an add-on, offering a lump-sum payout on diagnosis of listed major diseases.

Are ambulance charges included in the policy?

Yes, ambulance expenses are covered up to the limits specified in your policy variant.

Does the plan offer wellness or preventive benefits?

Premium variants offer annual health check-ups, wellness rewards, and cumulative bonuses for claim-free years.

Can I increase my sum insured later?

Yes, you can enhance your sum insured at policy renewal to increase your overall Future Generali Health Insurance Coverage.

Does Future Generali offer restoration of sum insured?

Yes, many plans include 100% or unlimited restoration of sum insured when you use up your coverage in a policy year.

OneAssure

Health Insurance

Future Generali Health Insurance

Coverage & Benefits

Future Generali Health Insurance Coverage & Benefits

Q: What is not covered under Future Generali Health Insurance Coverage?

Cosmetic procedures, infertility treatments, self-inflicted injuries, experimental treatments, and non-approved hospital treatments are excluded.

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96%

Claim Settlement Ratio

5100+

Network Hospitals

Sum Insured

Ranging from 3 lakh to 1 crore.

96%

Claim Settlement Ratio

5100+

Network Hospitals

Sum Insured

Ranging from 3 lakh to 1 crore.

Future Generali Health Insurance Coverage & Benefits

Customer Testimonials

Real experiences from our valued customers who have chosen our insurance coverage.

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…

…always been available to assist with any insurance/claim queries.

Nakul N

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.

Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.

Shreya Goyal

Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!

Sanjay Dakalia

The team is very professional and prompt. I would have all my health and life insurance needs met through them.

Harish Jindal

Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.

Siddhartha Saha

Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance.

All the best Ruchir and keep up the good work!

Adarsh Ravindranathan

verdict

Our Verdict: Future Generali Health Insurance Coverage

Pros

Restoration of sum insured available in higher variants.

Wellness programs and annual health check-up benefits in many plans.

High sum insured options suitable for both individuals and families.

Wide coverage including hospitalisation, day-care, and modern treatments.

Cons

Maternity benefits are limited to select plans.

Coverage for consumables may require add-ons.

Some plans may include room-rent limits or sub-limits.

Waiting periods for pre-existing and specified illnesses can be long.

Pros

Restoration of sum insured available in higher variants.

Wellness programs and annual health check-up benefits in many plans.

High sum insured options suitable for both individuals and families.

Wide coverage including hospitalisation, day-care, and modern treatments.

Cons

Maternity benefits are limited to select plans.

Coverage for consumables may require add-ons.

Some plans may include room-rent limits or sub-limits.

Waiting periods for pre-existing and specified illnesses can be long.

Final Verdict

Future Generali Health Insurance delivers solid, well-rounded coverage with strong features like wide hospitalisation benefits, modern treatment coverage, and wellness rewards. Its high sum insured options and restoration benefits make it suitable for families looking for dependable protection. However, buyers should review waiting periods, room-rent caps, and sub-limits before choosing...

Future Generali Health Insurance delivers solid, well-rounded coverage with strong features like wide hospitalisation benefits, modern treatment coverage, and wellness rewards. Its high sum insured options and restoration benefits make it suitable for families looking...

Key Coverages & Benefits Offered Under Future Generali Health Insurance

Know exactly what Future Generali Health Insurance covers and doesn’t cover to choose the right plan with confidence.

Inclusions

Wellness benefits such as health check-ups and no-claim bonus.

Modern treatments like robotic and advanced surgeries.

Organ donor expenses during transplants.

AYUSH in-patient care across Ayurveda, Homeopathy, Unani, and Siddha.

Domiciliary treatment when home care becomes medically necessary.

Day-care procedures that don’t need 24-hour admission.

Pre- & post-hospitalisation expenses for a fixed number of days.

Covers in-patient hospitalisation including room rent, ICU, medicines, and surgeries.

Exclusions

Non-medical consumables not fully covered unless add-ons are taken.

Unregistered hospitals and observation-only admissions not covered.

Illness due to STDs, substance abuse, or similar conditions excluded.

Cosmetic surgeries not covered unless accident-related.

Infertility and IVF treatments permanently excluded

Pre-existing diseases are covered only after the waiting period.

Waiting periods for listed conditions (e.g., cataract, hernia).

30-day initial waiting period for most illnesses.

Inclusions

Wellness benefits such as health check-ups and no-claim bonus.

Modern treatments like robotic and advanced surgeries.

Organ donor expenses during transplants.

AYUSH in-patient care across Ayurveda, Homeopathy, Unani, and Siddha.

Domiciliary treatment when home care becomes medically necessary.

Day-care procedures that don’t need 24-hour admission.

Pre- & post-hospitalisation expenses for a fixed number of days.

Exclusions

Non-medical consumables not fully covered unless add-ons are taken.

Unregistered hospitals and observation-only admissions not covered.

Illness due to STDs, substance abuse, or similar conditions excluded.

Cosmetic surgeries not covered unless accident-related.

Infertility and IVF treatments permanently excluded

Pre-existing diseases are covered only after the waiting period.

Waiting periods for listed conditions (e.g., cataract, hernia).

Claims Process

How to file Future Generali Health Insurance claims?

Future Generali Health Insurance Coverage & Benefits

How Coverage and Benefits Vary in Future Generali Health Insurance

Different Plan Variants Offer Different Sum Insured & Limits

Future Generali offers several health insurance variants, each with its own sum insured options and limits. Higher-tier plans provide larger coverage amounts, relaxed room rent limits, and better financial protection for major treatments.

Coverage for Treatments Varies by Plan

All plans include hospitalisation, day-care procedures, and pre- & post-hospitalisation expenses, but the extent of coverage changes across variants. Premium plans often include stronger benefits for AYUSH treatments, advanced procedures, and maternity coverage.

Value-Added Benefits Differ Across Plans

Higher variants come with extra advantages like sum insured restoration, higher cumulative bonuses, annual health check-ups, and wellness rewards. Lower variants offer essential coverage but fewer additional benefits.

Different Plan Variants Offer Different Sum Insured & Limits

Future Generali offers several health insurance variants, each with its own sum insured options and limits. Higher-tier plans provide larger coverage amounts, relaxed room rent limits, and better financial protection for major treatments.

Coverage for Treatments Varies by Plan

All plans include hospitalisation, day-care procedures, and pre- & post-hospitalisation expenses, but the extent of coverage changes across variants. Premium plans often include stronger benefits for AYUSH treatments, advanced procedures, and maternity coverage.

Value-Added Benefits Differ Across Plans

Higher variants come with extra advantages like sum insured restoration, higher cumulative bonuses, annual health check-ups, and wellness rewards. Lower variants offer essential coverage but fewer additional benefits.

How to Choose

How to Choose the Right Health Insurance Coverage

Waiting Periods in Future Generali Health Insurance

A waiting period is the minimum time you must wait after buying your policy before certain illnesses, treatments, or pre-existing conditions are covered. Any claim filed during the waiting period will not be payable.

Initial Waiting Period – 30 Days

All illnesses have a 30-day waiting period from the policy start date. Accidental hospitalisation is covered from day one.

Pre-Existing Disease (PED) Waiting Period

PED waiting period depends on the plan variant:

Support: 48 months
Secure / Support Plus / Shield: 36 months

Premium: 24 months

(Only applies to declared pre-existing diseases.)

Specified Diseases Waiting Period

Certain listed conditions such as cataract, hernia, joint replacement, ENT procedures, and internal congenital issues have a 2-year waiting period. The exact list may vary slightly by plan.

Maternity Waiting Period

Plans that include maternity and newborn benefits have a 4-year waiting period before claims for normal delivery, C-section, or newborn cover are allowed. (Available only in select variants like Premium/Gold-type plans.)

Other Waiting Periods (Plan-Specific)

Some plans may include additional waiting periods like:

90 days for critical illness cover
36 months for LASIK, bariatric surgery, or mental health treatments (if covered)

These apply only if your chosen plan includes these benefits.

Initial Waiting Period – 30 Days

All illnesses have a 30-day waiting period from the policy start date. Accidental hospitalisation is covered from day one.

Pre-Existing Disease (PED) Waiting Period

PED waiting period depends on the plan variant:

Support: 48 months
Secure / Support Plus / Shield: 36 months

Premium: 24 months

(Only applies to declared pre-existing diseases.)

Specified Diseases Waiting Period

Certain listed conditions such as cataract, hernia, joint replacement, ENT procedures, and internal congenital issues have a 2-year waiting period. The exact list may vary slightly by plan.

Maternity Waiting Period

Plans that include maternity and newborn benefits have a 4-year waiting period before claims for normal delivery, C-section, or newborn cover are allowed. (Available only in select variants like Premium/Gold-type plans.)

Other Waiting Periods (Plan-Specific)

Some plans may include additional waiting periods like:

90 days for critical illness cover
36 months for LASIK, bariatric surgery, or mental health treatments (if covered)

These apply only if your chosen plan includes these benefits.

Diseases Covered/not Covered

Diseases Covered/Not Covered Under Future Generali Health Insurance

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Illness & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Stones

Cardiac & Heart-Related Diseases

Diabetes & Hypertension

Diseases / Conditions Not Covered

Non-Registered Hospitals or Practitioners

Sleep-Related Disorders (Variant-Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Cosmetic & Elective Surgeries

Diseases Covered

Organ Donor Treatment

Bariatric Surgery (Medically Necessary)

Mental Illness & Psychiatric Care

Hernia, Hydrocele & Similar Surgeries

Cataract & Eye Disorders

Kidney & Gallbladder Stones

Cardiac & Heart-Related Diseases

Diseases / Conditions Not Covered

Non-Registered Hospitals or Practitioners

Sleep-Related Disorders (Variant-Dependent)

Rehabilitation & Rest Cure

Unproven or Experimental Treatments

Congenital External Anomalies

Self-Inflicted Injuries & Substance Abuse

Infertility & Reproductive Treatments

Pre-existing Diseases

Pre-Existing Diseases Covered Under Future Generali Health Insurance

Chronic Lifestyle Conditions

Pre-existing issues like diabetes, hypertension, and related complications are covered once you complete the mandatory waiting period, ensuring protection for long-term lifestyle-related health problems.

Heart & Cardiac Disorders

Conditions such as coronary artery disease, past cardiac surgeries, and cardiac complications become eligible after serving the PED waiting period, helping you manage major heart-related health risks smoothly.

Respiratory Diseases

Asthma, COPD, chronic bronchitis, and other long-term respiratory conditions are covered after the waiting duration, providing support for breathing issues that need regular care.

Thyroid & Hormonal Disorders

Hypothyroidism, hyperthyroidism, and other endocrine-related illnesses get covered once the waiting period ends, making long-term hormone imbalance treatments more affordable

Joint & Musculoskeletal Issues

Arthritis, osteoarthritis, spondylosis, and similar chronic joint conditions are included after completing the PED wait, helping patients manage pain and mobility issues effectively.

Digestive & Gastrointestinal Conditions

GERD, chronic acidity, ulcers, IBS, and other persistent digestive issues are covered post waiting period, offering relief for ongoing stomach and digestion problems.

Kidney & Liver Disorders

Chronic kidney disease, kidney stones, hepatitis, liver dysfunction, and related complications are included after the PED waiting period, ensuring financial support for major organ-related treatments.

Mental Health Conditions

In-patient psychiatric illnesses that existed before policy purchase are covered once you complete the waiting duration applicable to your plan, helping individuals receive proper long-term mental health care.

Chronic Lifestyle Conditions

Pre-existing issues like diabetes, hypertension, and related complications are covered once you complete the mandatory waiting period, ensuring protection for long-term lifestyle-related health problems.

Heart & Cardiac Disorders

Conditions such as coronary artery disease, past cardiac surgeries, and cardiac complications become eligible after serving the PED waiting period, helping you manage major heart-related health risks smoothly.

Respiratory Diseases

Asthma, COPD, chronic bronchitis, and other long-term respiratory conditions are covered after the waiting duration, providing support for breathing issues that need regular care.

Thyroid & Hormonal Disorders

Hypothyroidism, hyperthyroidism, and other endocrine-related illnesses get covered once the waiting period ends, making long-term hormone imbalance treatments more affordable

Joint & Musculoskeletal Issues

Arthritis, osteoarthritis, spondylosis, and similar chronic joint conditions are included after completing the PED wait, helping patients manage pain and mobility issues effectively.

Digestive & Gastrointestinal Conditions

GERD, chronic acidity, ulcers, IBS, and other persistent digestive issues are covered post waiting period, offering relief for ongoing stomach and digestion problems.

Kidney & Liver Disorders

Chronic kidney disease, kidney stones, hepatitis, liver dysfunction, and related complications are included after the PED waiting period, ensuring financial support for major organ-related treatments.

Mental Health Conditions

In-patient psychiatric illnesses that existed before policy purchase are covered once you complete the waiting duration applicable to your plan, helping individuals receive proper long-term mental health care.

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