Gold Plan Floater Premiums

SI/Age in yrs 90 days - 25

3097
200000
4267
300000
5000
400000
7131
500000

26-35
3465
4787
5715
7772

36-45
4312
5688
6893
9634

46-55
6176
8381
10544
13542

56-65
10602
14335
16690
18581

66-70
14557
17781
22114
24196

71-75
16946
19356
25418
28996

76-80
18307
20931
27461
31326

81-85
21053
24070
31580
36024

86-90
18948
21663
28422
32422

Above 90 yrs
2936
4274
4970
6940

36-45
11439
12405
16580
18039
18671

46-55
18686
19020
20463
22885
25601

56-65
24513
26053
27592
29656
31218

66-70
30916
33553
35136
36973
37283

71-75
34036
36939
38682
40705
41046

76-80
40843
44327
46418
48845
49255

81-85
46970
50976
53381
56172
56643

86-90
42272
45878
48043
50555
50979

Above 90 yrs
9600
10532
11871
13239
14541

Platinum Plan Floater Premiums

SI/Age in yrs 90 days - 25
600000
9317
750000
9586
800000
9852
900000
11000
1000000
12244

26-35
10464
11480
12939
14431
15850

One Adult + 2 Children

Basic Plan Floater Premiums
SI/Age in yrs 90 days - 25
200000
3100
300000
4271
400000
5004
500000
7137

26-35
3467
4791
5720
7779

36-45
4315
5693
6899
9642

46-55
6181
8388
10553
13553

56-65
10611
14347
16704
18597

66-70
14569
17796
22133
24216

71-75
16960
19372
25439
29020

76-80
18322
20948
27484
31352

81-85
21071
24090
31606
36054

86-90
18964
21681
28446
32449

Above 90 yrs
2939
4278
4974
6945

36-45
4747
6262
7589
10606

46-55
6800
9227
11608
14908

56-65
11672
15781
18375
20456

66-70
16026
19576
24346
26637

71-75
18656
21309
27983
31922

76-80
20155
23043
30233
34487

81-85
23178
26499
34767
39660

86-90
20861
23849
31290
35694

Above 90 yrs
3232
4706
5471
7640

Silver Plan Floater Premiums

SI/Age in yrs 90 days - 25
3410
200000
4698
300000
5505
400000
7850
500000

26-35
3814
5270
6292
8557

Gold Plan Floater Premiums

SI/Age in yrs 90 days - 25
3717
200000
5121
300000
6000
400000
8557
500000

26-35
4157
5745
6858
9327

36-45
5174
6825
8272
11561

46-55
7412
10057
12653
16250

56-65
12722
17202
20029
22297

66-70
17469
21337
26537
29035

71-75
20335
23227
30502
34795

76-80
21968
25117
32953
37591

81-85
25264
28884
37896
43229

86-90
22738
25996
34106
38907

Above 90 yrs
3523
5129
5964
8328

36-45
13727
14887
19896
21647
22405

46-55
22423
22824
24555
27462
30721

56-65
29416
31263
33110
35588
37462

66-70
37099
40264
42163
44368
44740

71-75
40843
44327
46418
48846
49255

76-80
49012
53192
55701
58614
59107

81-85
56364
61171
64057
67406
67972

86-90
50727
55054
57651
60666
61175

Above 90 yrs
11520
12639
14245
15887
17450

Basis of claims payment

a) We shall make payment in Indian Rupees only.
b) In respect of surgery for cataracts (after the expiry of
the 2 year period referred to in Exclusion 2) above,
liability shall be restricted to 10% of the Sum Insured
for each eye, subject to a minimum of ` 15000 (or the
actual incurred amount whichever is lower) and
maximum of ` 50,000/- per eye. This will be our
maximum liability irrespective of the number of Health
Suraksha policies You hold.
c) The payment of claim under the medical Section will
be as follows
Benefit Plan
Platinum Plan

26-35
12557
13776
15527
17317
19020

The brochure / prospectus mentions the premium rates as per the age slabs / sum insured and the same would be charged as per
the completed age at every renewal.
The premiums above are subject to revision as and when approved by the regulator. However such revised premiums would be
applicable only from subsequent renewals and with due notice whenever implemented.

Zone A

Zone B

Zone C

No sublimit
applicable

No sublimit
applicable

No sublimit
applicable

Gold Plan

100%*

100%*

100%*

Silver Plan

80%*

100%*

100%*

Basic Plan

70%*

80%*

100%*

Platinum plan is for Insured who have paid premium

for sum insured 6 lacs and above.

Gold Plan is for insured who paid the premium for

Zone A region which comprises of Mumbai including
Thane and Panvel, Delhi including NCR (National
Capital Region). The eligibility of the claim amount
will be 100% for all the Zones subject to the Policy
terms and conditions.

Basic Plan is for insured who has paid the premium for
Zone C region which comprises of rest of India
excluding Zone A and Zone B. The eligibility of the
claim amount will be 100% for Zone C, 80% for Zone
B and 70% for Zone A subject to the Policy terms and
conditions.

*The percentage of amount shown in the above table is

with respect to the eligible claim amount.
**The co-payment stands waived for all plans in case of
claims due to any of the medical emergencies stated below

The Generali Group has been a leading provider of

insurance and financial services in the global market for
nearly two centuries. Generali is a name that has
become synonymous with security and reliability for
millions of clients around the world.
The Future Group understands what makes you different
and offers you services and products that exceed your
expectations. With more than sixteen million square feet
of retail space and a presence across the country in
different formats, the Future Groups vision is to deliver

everything, everywhere, every time, to every Indian

consumer in the most profitable manner. The group
considers Indianness its core value and its corporate
credo is Rewrite Rules, Retain Values.
Future Generali is the coming together of these two
caring entities. We offer an extensive range of general
insurance products, and a network that ensures we are
close to you wherever you go. Our skilled and trained
individuals understand your insurance needs and will
create customised solutions for you.

Future Health Suraksha

We value your familys health as much as you do.
Presenting a wide network of hospital tie-ups across the nation.

1) Acute Myocardial infarction

2) Major Accidents requiring immediate hospitalisation
and treatment
3) Acute Cerebrovascular Accident
4) Third degree burns
Benefits may vary from plan to plan.
For further details, please refer to the policy wordings.
If you are suffering from an illness / disease or if you meet
with an accident which requires hospitalisation, please
contact us on the following

The geographical zones for specific plans as mentioned

above are based on the location of the hospital where
treatment is taken and not the residence of the insured.

Platinum Plan Floater Premiums

SI/Age in yrs 90 days - 25
600000
11181
750000
11503
800000
11823
900000
13200
1000000
14693

Claims Department
Future Generali Health (FGH)
Future Generali India Insurance Co. Ltd.
Office No. 3, 3rd Floor, A Building , G - O - Square
S. No. 249 & 250, Aundh Hinjewadi Link Road, Wakad,
Pune - 411 057.
Toll Free Number : 1800 103 8889
Toll Free Fax : 1800 103 9998
Email: fgh@futuregenerali.in

Silver Plan is for insured who paid the premium for

Zone B region which comprises of Chennai, Kolkatta,
Bangalore, Ahmedabad and Hyderabad. The eligibility
of the claim amount will be 100% for Zone B and Zone
C, 80% for Zone A subject to the Policy terms and
conditions.

Future Groups and Generali Groups liability is restricted to the extent of their shareholding in Future Generali India
Insurance Company Limited.
Future Generali India Insurance Company Limited
Regn. No.: 132
Regd and Co. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone (W),
Mumbai - 400013.
Email: fgcare@futuregenerali.in
ARN: FG - NL / PD / MKTG / EN / FHS(FP) - 001BR
UIN: IRDA / NL - HLT / FGII / P-H / V.I / 71 / 13 -14
ISO Ref. No.: FGH / UW / RET / 04 / 02

Family Plan

Disclaimer: For detailed information on this product including risk factors, terms and conditions etc., please refer to
the product brochure, consult your advisor or visit our website before concluding a sale. Tax Benefits are subject to
change due to change in tax laws. Insurance is the subject matter of solicitation.

back

Call us at: 1800-220-233, 1860-500-3333, 022-6783 7800

SMS FG to 567678.
Website: www.futuregenerali.in

cover

Always within reach.

Your health is your most important asset. And with Future

Health Suraksha, we ensure that you will never have to go too
far to protect it. Our network of hospitals across the nation
will handle any medical problem that arises. Its our way of
protecting you even against the unpredictable.

enefits

In-house Cashless settlement

Innovative covers offered
Quick settlement of claims
No claim cumulative bonus

Family consisting of Self, Spouse and Children will be

covered on floater basis. Parents need to be covered
separately as self and spouse.

Age at entry is restricted to 70 years

Children above age of 90 days eligible if the parent(s)
are concurrently insured with Future Generali.
Children will be covered as dependants upto 25 yrs
of age.
Max Policy Term

1 Year

Min Age at entry

90 Days

Max Age at entry

70 Years

Renewal

Lifelong

Free Look Period

1. The insured will be allowed a period of at least 15 days from

the date of receipt of the policy to review the terms and
conditions of the policy and to return the same if not
acceptable
2. If the insured has not made any claim during the free
look period, the insured shall be entitled to a refund as
given in the policy terms and conditions.

Life Long Renewals:

The policy if renewed continuously without any break

will be renewed lifelong.

Sum assured eligibility: Maximum Upto ` 10 lacs

For the insured at age of entry above 55 years the
maximum sum insured available would be ` 5 lakhs. For
insured persons above 55 years porting from other insurance policies the maximum sum insured available would
also be ` 5 lacs.

ther benefits

1. Subject to no claim, cumulative bonus of 10% on the

basic sum insured will be provided up to a maximum of
50% of the sum insured.
2. Portability can be offered as per the Portability guidelines.
3. There will be no loading on premium for adverse claims
experience.

ax benefit

Premium paid by any mode other than cash is eligible

for tax relief as provided under Section 80-D of the Income
Tax Act.

xclusions

amily Definition:

ligibility
Age eligibility - age 90 days to 70 years

Pre-acceptance medical tests are not required for all

proposers upto the age of 45 yrs irrespective of the sums
insured, if the proposal form is clean (without health
declaration).
For age 46 years and above medical tests are required.
In case the policy is issued for that particular client, the
client is eligible for 50% of reimbursement of pre-acceptance
medical tests charges.
All pre-acceptance medical tests will have to be done in
Future Generali empanelled diagnostic centers only. The
reports would be valid for a period of 30 days from the date
of test conducted.

Pre-acceptance medical tests

Gold Plan Floater Premiums

etails of the coverage

Any condition, ailment, injury or related condition(s) for

which you have been diagnosed, received medical
treatment, had signs and / or symptoms, prior to the
inception of your first policy until 48 months from the
date of inception.
Any disease contracted during the first 30 days from the
commencement of the policy.
Diseases like cataract, hernia and tumour shall be
covered after a waiting period of two years.
Diseases / surgeries like gallstones, renal stones shall be
covered after a waiting period of one year.
Non-allopathic treatment.
Congenital diseases.
All expenses related to AIDS and related diseases.
Joint replacement surgery shall be covered after a
waiting period of three years, unless required due to an
accident.
Use of intoxicating drugs or alcohol

With Health Suraksha, the member has access to cashless

facility at our empanelled hospitals across India.
Pre and post hospitalisation expenses incurred from 60
days prior up to 90 days after hospitalisation.
Ambulance charges upto ` 1500/130 Day-care procedures.
Hospital cash benefit for Platinum Plan.
Pre-existing disease covered after four years of
consecutive renewal.
Free Medical check-up in our empanelled diagnostic
centres after every four claims free years. The above
benefit would be available for any two of the insured
family members.
Patient care expenses up to a maximum of ` 350 per day
for persons above 60 yrs of age.
Accompanying person expenses up to ` 500 per day.
Additional accidental hospitalisation limit enhanced by
25% of balance sum insured, subject to a maximum of
` 1 lakh.
Grace period of 30 days from date of expiry for renewal.
Porting of similar health policy to Future Health
Suraksha as per portability guidelines.

amily Floater Premiums

Premium would applicable as per the age of the eldest member in the family.
Premium is excluding Service tax
Two Adults
Basic Plan Floater Premiums
SI/Age in yrs 90 days - 25
200000
3100
300000
4271
400000
5004
500000
7137

26-35
3467
4791
5720
7779

36-45
4315
5693
6899
9642

46-55
6181
8388
10553
13553

56-65
10611
14347
16704
18597

66-70
14569
17796
22133
24216

26-35
3814
5270
6292
8557

36-45
4747
6262
7589
10606

46-55
6800
9227
11608
14908

56-65
11672
15781
18375
20456

66-70
16026
19576
24346
26637

26-35
4157
5745
6858
9327

36-45
5174
6825
8272
11561

46-55
7412
10057
12653
16250

56-65
12722
17202
20029
22297

66-70
17469
21337
26537
29035

71-75
20335
23227
30502
34795

76-80
21968
25117
32953
37591

81-85
25264
28884
37896
43229

86-90
22738
25996
34106
38907

Above 90 yrs
3523
5129
5964
8328

36-45
13727
14887
19896
21647
22405

46-55
22423
22824
24555
27462
30721

56-65
29416
31263
33110
35588
37462

66-70
37099
40264
42163
44368
44740

71-75
40843
44327
46418
48846
49255

76-80
49012
53192
55701
58614
59107

81-85
56364
61171
64057
67406
67972

86-90
50727
55054
57651
60666
61175

Above 90 yrs
11520
12639
14245
15887
17450

Platinum Plan Floater Premiums

SI/Age in yrs 90 days - 25
600000
11181
750000
11503
800000
11823
900000
13200
1000000
14693

26-35
12557
13776
15527
17317
19020

Two Adults + 1 Child

Basic Plan Floater Premiums
SI/Age in yrs 90 days - 25
200000
3616
300000
4983
400000
5838
500000
8326

26-35
4045
5590
6674
9075

36-45
5034
6641
8049
11249

46-55
7212
9786
12312
15812

56-65
12379
16738
19488
21696

66-70
16998
20762
25821
28252

71-75
19787
22601
29679
33857

76-80
21376
24440
32065
36577

81-85
24583
28105
36874
42063

86-90
22125
25295
33187
37857

Above 90 yrs
3428
4991
5803
8103

26-35
4450
6149
7341
9983

71-75
16960
19372
25439
29020

76-80
18322
20948
27484
31352

81-85
21071
24090
31606
36054

86-90
18964
21681
28446
32449

Above 90 yrs
2939
4278
4974
6945

71-75
18656
21309
27983
31922

76-80
20155
23043
30233
34487

81-85
23178
26499
34767
39660

86-90
20861
23849
31290
35694

Above 90 yrs
3232
4706
5471
7640

SI/Age in yrs 90 days - 25

4336
200000
5974
300000
7000
400000
9983
500000

26-35
4850
6702
8002
10881

36-45
5538
7306
8853
12374

46-55
7933
10765
13543
17393

56-65
13617
18411
21437
23866

66-70
18697
22838
28403
31077

71-75
21765
24861
32647
37242

76-80
23514
26884
35271
40235

81-85
27041
30915
40561
46270

86-90
24337
27824
36505
41643

Above 90 yrs
3771
5490
6383
8913

36-45
6036
7963
9650
13487

46-55
8647
11734
14762
18958

56-65
14843
20068
23367
26014

66-70
20380
24894
30960
33874

71-75
23724
27098
35585
40594

76-80
25630
29303
38446
43856

81-85
29474
33698
44212
50434

86-90
26528
30329
39791
45391

Above 90 yrs
4111
5984
6958
9715

36-45
16015
17368
23212
25255
26139

46-55
26161
26628
28648
32039
35841

56-65
34319
36474
38628
41519
43705

66-70
43282
46974
49190
51762
52197

71-75
47650
51715
54155
56987
57464

76-80
57180
62058
64985
68383
68958

81-85
65757
71366
74733
78641
79301

86-90
59181
64230
67260
70777
71371

Above 90 yrs
13440
14745
16619
18535
20358

Platinum Plan Floater Premiums

SI/Age in yrs 90 days - 25
600000
13044
750000
13420
800000
13793
900000
15400
1000000
17142

26-35
14650
16072
18115
20203
22190

26-35
4623
6388
7627
10372

36-45
5754
7590
9198
12856

46-55
8242
11184
14070
18071

56-65
14148
19129
22272
24796

66-70
19426
23728
29510
32288

71-75
22613
25830
33919
38693

76-80
24430
27931
36646
41802

81-85
28094
32120
42141
48073

86-90
25286
28908
37927
43266

Above 90 yrs
3918
5704
6632
9261

36-45
6329
8349
10118
14141

46-55
9066
12303
15477
19878

56-65
15562
21042
24500
27275

66-70
21369
26101
32461
35516

71-75
24875
28413
37311
42563

76-80
26873
30724
40310
45983

81-85
30904
35332
46356
52880

86-90
27814
31799
41720
47592

Above 90 yrs
4310
6274
7295
10187

36-45
6899
9101
11029
15414

46-55
9882
13410
16870
21667

56-65
16963
22935
26705
29730

66-70
23292
28450
35383
38713

71-75
27113
30970
40669
46393

76-80
29291
33489
43938
50121

81-85
33685
38511
50528
57639

86-90
30317
34661
45475
51876

Above 90 yrs
4698
6839
7952
11103

36-45
18303
19849
26528
28863
29873

46-55
29898
30432
32740
36616
40962

56-65
39221
41684
44147
47450
49949

66-70
49465
53685
56217
59157
59654

71-75
54457
59102
61891
65128
65674

76-80
65349
70923
74268
78152
78809

81-85
75151
81561
85409
89875
90629

86-90
67636
73405
76869
80888
81567

Above 90 yrs
15360
16852
18994
21183
23266

36-45
3596
4744
5749
8035

46-55
5151
6990
8794
11294

56-65
8842
11955
13920
15497

66-70
12141
14830
18444
20180

71-75
14133
16143
21199
24183

76-80
15269
17457
22903
26126

81-85
17559
20075
26338
30045

86-90
15803
18068
23705
27041

Above 90 yrs
2449
3565
4145
5788

36-45
3956
5218
6324
8838

46-55
5666
7689
9673
12424

56-65
9726
13151
15312
17047

66-70
13355
16313
20288
22198

71-75
15547
17758
23319
26602

76-80
16795
19203
25194
28739

81-85
19315
22082
28972
33050

86-90
17384
19875
26075
29745

Above 90 yrs
2694
3921
4560
6367

Silver Plan Floater Premiums

SI/Age in yrs 90 days - 25
4546
200000
6264
300000
7340
400000
10467
500000

26-35
5086
7027
8390
11409

SI/Age in yrs 90 days - 25

4956
200000
6828
300000
8000
400000
11409
500000

26-35
5543
7659
9145
12436

Platinum Plan Floater Premiums

Silver Plan Floater Premiums

SI/Age in yrs 90 days - 25
3978
200000
5481
300000
6422
400000
9159
500000

SI/Age in yrs 90 days - 25

200000
4133
300000
5694
400000
6672
500000
9516

Gold Plan Floater Premiums

Gold Plan Floater Premiums

Silver Plan Floater Premiums

SI/Age in yrs 90 days - 25
200000
3410
300000
4698
400000
5505
500000
7850

SI/Age in yrs 90 days - 25

200000
3717
300000
5121
400000
6000
500000
8557

Two Adults + 2 Children

Basic Plan Floater Premiums

SI/Age in yrs 90 days - 25

600000
14908
750000
15337
800000
15764
900000
17600
1000000
19591

26-35
16743
18368
20703
23090
25360

One Adult + 1 Child

Basic Plan Floater Premiums
SI/Age in yrs 90 days - 25
2583
200000
3559
300000
4170
400000
5947
500000

26-35
2890
3993
4767
6482

Silver Plan Floater Premiums

SI/Age in yrs 90 days - 25
2842
200000
3915
300000
4587
400000
6542
500000

26-35
3179
4392
5243
7131