What is Future Generali Health Insurance?

It is a health insurance plan that covers all those medical expenditures, which are made in the hospital, surgeries, and in the process of recovery from a particular illness etc.

Who can buy Future Generali Health Insurance?

The policy is open for purchase by anyone, be it individual persons, families, senior citizens, or even businesses/companies for their staff.

Are pre-existing diseases covered?

Yes, most of the plans offer coverage of pre-existing diseases but after a certain waiting period. In few advanced plans, pre-existing diseases are covered from day one.

What is the minimum and maximum age to buy a plan?

Generally, health insurance schemes are for youths above 18 years to the elderly till 65 years, but there are some plans for the elderly that take care of older people up to 75 years.

Can I include my family in one policy?

Certainly, Future Generali provides family floater plans whereby you may protect your spouse, children, and in some cases, parents with the same sum insured.

What does hospitalisation cover?

Hospitalisation cover takes care of various charges that could be part of your hospital stay such as room rent, ICU charges, doctor fees, medicines, and surgeries inclusive.

What are daycare treatments?

Daycare treatments are Invasive minor treatments or surgeries that do not require a full hospital stay of 24 hours, such as laser eye surgery, hemodialysis, or administration of a cancer drug.

Are home treatments covered?

Yes, if you are home hospitalised owing to an inability to visit a hospital then some plans can cover home hospitalisation.

Does it cover AYUSH treatments?

Yes, some plans include the aforesaid systems of medicine such as Ayurveda, Yoga, Unani, Siddha, and Homeopathy.

Are ambulance charges included?

Most of the plans episodes of road and air ambulance are covered.

Does it cover organ donor expenses?

Correct, a few plans cover the medical expenses of the donor for the organ transplant.

Is maternity covered?

Some programs like Health Xtra and Health Total are designed to provide maternity and newborn care.

Are mental health treatments covered?

Indeed, comprehensive plans offer therapy, counselling, and psychiatric care.

How can I make a cashless claim?

Simply visit a network hospital, present your insurance card and ID, complete the pre-authorization form and the insurer pays the hospital directly.

How does reimbursement work?

Return bank funds for hospital bills and then submit the bills, the drugs prescribed, and the medical reports to Future Generali who pay you back the approved amount.

How long does claim settlement take?

Cashless claims: usually 2–4 hours.Reimbursement claims: usually 7–10 working days.

Which hospitals are covered?

The list of Future Generali network hospitals includes 5100+ hospitals all over India, which also means the best hospitals in Delhi, Mumbai, Bangalore, Chennai, and so on.

Can I claim at a hospital outside the network?

Yes, with the limitation that you are required to make the payment first and then get the reimbursement.

How do I buy a policy?

Expert assistance, plan selection, KYC & health document submission, premium payment, and policy receipt will all consecutively take place in your impressive instant policy purchase.

How do I renew my policy?

You get renewal alerts through email, WhatsApp, and phone call. You can not just renew the same product but also upgrade, add/remove members, or continue with your old plan. Moreover, if you missed the renewal date, there is a grace period.

OneAssure

Health Insurance

Future Generali

Health Insurance Plans

Future Generali Health Insurance Plans

Generali Central Insurance, formerly Future Generali India Insurance, is a general insurer backed by the Generali Group and Central Bank of India. Its health range includes Health Absolute, Health Total, Health POWHER, Varishta Bima and Hospicash, with cashless treatment at 8,430 network hospitals.

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96%

Claim Settlement Ratio

5,100+

Network Hospitals

7.3

Overall Rating

Future Generali

Our Verdict About Future Generali Health Insurance

Future Generali Health Insurance is a strong choice with a high claim settlement ratio, 5,100+ network hospitals, and flexible plans like DIY Health.

What We Like

Custom add-ons for critical illness, personal accident, and AYUSH care

Lifetime renewability and restoration options in select plans

Flexible plans like Health Total with wellness and maternity benefits

Wide hospital network for easy cashless treatment

High claim settlement ratio with smooth claim experience

Areas of Improvement

Some plan benefits vary across zones and categories

Premiums rise with age or when adding multiple riders

OPD and global treatment cover limited to higher-tier variants

Waiting period for pre-existing diseases (2–4 years) in most plans

Final Verdict

Future Generali Health Insurance delivers comprehensive and flexible protection suited for families, professionals, and frequent travelers. Its plans balance affordability and benefits well, though customers should review waiting periods, co-pay, and OPD coverage before finalizing their policy. It also combines modern benefits, wellness rewards, and custom add-ons for holistic protection.

Future Generali Health Insurance delivers comprehensive and flexible protection suited for families, professionals, and frequent travelers. Its plans balance affordability and benefits well, though customers should review waiting periods, co-pay, and OPD coverage before finalizing...

Future Generali

Customer Testimonials

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

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 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

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

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

Why Choose Digit Health Insurance?

Simple Digital Process

Buy, manage, and claim your health insurance fully online—quick, transparent, and hassle-free.

Extensive Hospital Network

Access over 9,400+ cashless hospitals across India for quality medical care.

No Room Rent or Co-pay Restriction

Enjoy flexibility in hospitalisation without worrying about hidden limits.

Wellness Benefits

Get value-added services like teleconsultations, diagnostic discounts, and home care programs.

Simple Digital Process

Buy, manage, and claim your health insurance fully online—quick, transparent, and hassle-free.

Extensive Hospital Network

Access over 9,400+ cashless hospitals across India for quality medical care.

No Room Rent or Co-pay Restriction

Enjoy flexibility in hospitalisation without worrying about hidden limits.

Wellness Benefits

Get value-added services like teleconsultations, diagnostic discounts, and home care programs.

Documents Required

ID Proof

To confirm your identity, you should submit a government-issued identity proof such as Aadhar Card, PAN Card, or Passport.

Address Proof

A Utility Bill (electricity, water, gas) or Voter ID, or Passport can be given to verify your present residential address.

Age Proof

In order to verify your age for eligibility and premium calculation, Birth Certificate, Driving License, or Passport can be provided.

Recent Passport

Size Photographs – Normally 1–2 photographs are taken for identity verification purposes.

Income Proof

If you are selecting a high coverage plan, then you might be required to submit a proof of income such as salary slips, bank statements, or IT returns to explain the sum insured.

ID Proof

To confirm your identity, you should submit a government-issued identity proof such as Aadhar Card, PAN Card, or Passport.

Address Proof

A Utility Bill (electricity, water, gas) or Voter ID, or Passport can be given to verify your present residential address.

Age Proof

In order to verify your age for eligibility and premium calculation, Birth Certificate, Driving License, or Passport can be provided.

Recent Passport

Size Photographs – Normally 1–2 photographs are taken for identity verification purposes.

Income Proof

If you are selecting a high coverage plan, then you might be required to submit a proof of income such as salary slips, bank statements, or IT returns to explain the sum insured.

Future Generali

Claim Settlement Process

Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences

Go to a Network Hospital

Choose a hospital tied up with Future Generali. You can check network hospitals on their website, app, or by calling OneAssure. If you go to a non-network hospital, you may need to pay first and claim later.

Inform OneAssure

For emergencies, inform within 48 hours. For planned treatment, notify at least 3 days in advance. This helps OneAssure coordinate with the hospital and the insurer for faster approval.

Carry Your Card and ID

Show your health insurance card or policy number, and a valid photo ID like Aadhaar, PAN, Voter ID, or Passport. Digital cards on your phone are accepted.

Fill Pre-Authorization Form

The hospital will give you a form with treatment details and estimated costs. Usually, the hospital fills it; you only need to sign.

Wait for Approval

The insurer checks if your treatment is covered. Approval usually comes in a few hours for emergencies, or a couple of days for planned treatments.

Relax While Bills Are Settled

The hospital sends the final bill to the insurer, and Future Generali pays it directly. You only pay for personal items like toiletries or extra meals.

Future Generali Network Hospitals

5,100+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

5,100+

Network hospitals across the country for cashless treatment

700+

Cities covered nationwide for easy access to quality healthcare

700+

States and union territories ensuring comprehensive coverage

Future Generali

Features Comparison

Senior Citizen Health Plan

Secure against age-related medical costs
Tailored for seniors healthcare needs

Family Health Plan

One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs

Maternity Health Plan

Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs

Future Generali

Need help finding the right health plan?

Our experts offer personalised recommendations tailored to your age, family size, and health profile, ensuring you select the ideal coverage

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FAQs

Frequently Asked Questions

Got questions about health insurance? You're not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.