
Future Generali Health Insurance
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96%
Claim Settlement Ratio
5,100+
Network Hospitals
7.3
Overall Rating
Future Generali Health Insurance
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 Health Insurance
About Future Generali Health Insurance
Future Generali Health Insurance is one of the leading names in the health insurance sector of India providing a wide range of plans that are flexible enough to adapt to the changing requirements of individuals and families. Getting its start in 2007, the company is a joint venture between the...
Future Generali Health Insurance is one of the leading names in the health insurance sector of India providing a wide range of plans that are flexible enough to adapt to the changing requirements of individuals...
Future Generali Health Insurance
Future Generali Health Insurance Rating
Overall Rating
7.3
out of 10
Solvency
3.2/4
ICR
2/3
Growth
2.1/3
Performance Index
Gross Direct Premium
Future Generali Health Insurance
0Cr
Industry Average
0Cr
ICR%
Future Generali Health Insurance
0%
Industry Average
0%
Future Generali Health Insurance
Industry Average
Future Generali Health Insurance
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
Future Generali Health Insurance
Pros and Cons
Pros
Pays for room charges, doctor fees, surgery, and medicines during hospital stays.
Covers medical procedures that don’t need a full-day hospital stay (like cataract surgery or dialysis).
Pays for tests, medicines, and doctor visits before and after hospitalisation.
Road or air ambulance expenses are included in case of emergencies.
Covers traditional treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
Pays for medical costs of the organ donor if a transplant is needed.
Plans often allow extra benefits like hospital cash (daily money during hospital stay), accident cover, or safeguard (extra coverage for unexpected costs).
Treatment in network hospitals without paying upfront; the insurer settles the bill directly.
In selected plans – Pays for delivery and newborn care.
Annual checkups to monitor your health in selected plans.
Cons
Long 2–4 year waiting period for pre-existing diseases
Smaller hospital network in remote areas
Premiums rise with age and added riders
OPD and global cover only in higher-tier plans
Senior plans have higher premiums and stricter terms
Future Generali Health Insurance
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
Future Generali Health Insurance Types
Documents Required
Future Generali Health Insurance
Claim Settlement Process
Quick and hassle-free claim settlement with dedicated support to ensure timely approvals and smooth hospital experiences
Future Generali Health Insurance
Renewal Process
Easily renew your policy online or offline to enjoy uninterrupted health coverage
Future Generali Health Insurance 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
Future Generali Health Insurance
Features Comparison
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
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 Health Insurance
How to Buy Future Generali Health Insurance?
Follow these simple steps to purchase your Future Generali Health Insurance health insurance policy and secure comprehensive coverage for you and your family.
Things to Remember
Future Generali Health Insurance
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Future Generali Health Insurance
Frequently Asked Questions
Get answers to common questions about our insurance policies and services.




