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.

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.

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

Future Generali Health Insurance

Get a Quote

96%

Claim Settlement Ratio

5,100+

Network Hospitals

7.2

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

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

Future Generali Health Insurance Rating

Overall Rating

7.2

out of 10

Solvency

2.9/4

ICR

2/3

Growth

2.3/3

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

Overall Rating

7.2

out of 10

Solvency

2.9/4

ICR

2/3

Growth

2.3/3

Performance Index

Gross Direct Premium

Future Generali Health Insurance

0Cr

Industry Average

0Cr

Future Generali Health Insurance

Industry Average

Performance Index

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.

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

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

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

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

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

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

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

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

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

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

Individual Health Insurance

This plan provides coverage for a single person. These plans pay for medical expenses such as hospitalisation, surgeries, daycare treatments, and ambulance charges, depending on the plan you choose. It is ideal if you want protection only for yourself.

Family Floater Health Insurance

The family floater plans cover all family members under a single sum insured. The coverage can be used by any member of the family whenever required. This makes it simple, cost-effective, and convenient for families. Plans like Health Total and Health Unlimited follow this model.

Critical Illness Insurance

Future Generali offers plans that provide a one-time lump sum payment if you are diagnosed with a serious illness, such as cancer, heart attack, or kidney failure. You can use this money for treatment or any urgent financial need. Certain plans, like Health Companion and DIY Health Plan, include critical illness benefits as optional add-ons.

Top-up and Super Top-up Plans

Future Generali provides top-up and super top-up plans that act as extra protection over your main health insurance. If your hospital bills go beyond your base coverage, these plans start paying for the additional expenses. Plans like Advantage Top-Up and Super Top-Up fall under this category.

Senior Citizen Plans

This plan is specially designed for senior citizens. These plans provide coverage for hospitalisation, daycare treatments, home treatment, ambulance charges, and AYUSH therapies like Ayurveda, Yoga, Homeopathy, and Unani. Plans like Varistha Bima and DIY Health Plan are made for seniors.

Corporate and Group Health Insurance

Future Generali provides group health insurance plans for companies to cover their employees. These plans offer health protection for many people under one policy, making it affordable for the employer while ensuring employees have access to medical care when needed.

Personal Accident Insurance

Personal accident insurance provides financial protection in case of accidental injuries, disability, or death. Plans like Accident Suraksha cover hospital expenses and provide support for other costs that may arise due to an accident.

Individual Health Insurance

This plan provides coverage for a single person. These plans pay for medical expenses such as hospitalisation, surgeries, daycare treatments, and ambulance charges, depending on the plan you choose. It is ideal if you want protection only for yourself.

Family Floater Health Insurance

The family floater plans cover all family members under a single sum insured. The coverage can be used by any member of the family whenever required. This makes it simple, cost-effective, and convenient for families. Plans like Health Total and Health Unlimited follow this model.

Critical Illness Insurance

Future Generali offers plans that provide a one-time lump sum payment if you are diagnosed with a serious illness, such as cancer, heart attack, or kidney failure. You can use this money for treatment or any urgent financial need. Certain plans, like Health Companion and DIY Health Plan, include critical illness benefits as optional add-ons.

Top-up and Super Top-up Plans

Future Generali provides top-up and super top-up plans that act as extra protection over your main health insurance. If your hospital bills go beyond your base coverage, these plans start paying for the additional expenses. Plans like Advantage Top-Up and Super Top-Up fall under this category.

Senior Citizen Plans

This plan is specially designed for senior citizens. These plans provide coverage for hospitalisation, daycare treatments, home treatment, ambulance charges, and AYUSH therapies like Ayurveda, Yoga, Homeopathy, and Unani. Plans like Varistha Bima and DIY Health Plan are made for seniors.

Corporate and Group Health Insurance

Future Generali provides group health insurance plans for companies to cover their employees. These plans offer health protection for many people under one policy, making it affordable for the employer while ensuring employees have access to medical care when needed.

Personal Accident Insurance

Personal accident insurance provides financial protection in case of accidental injuries, disability, or death. Plans like Accident Suraksha cover hospital expenses and provide support for other costs that may arise due to an accident.

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 Health Insurance

Claim Settlement Process

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

1-5 of 6 Process

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

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

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

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 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