Future Health Suraksha is the family floater plan offered by future generali general insurance company to retail customers. The following discussion list a snapshot of the benefits, coverage, exclusions etc

Eligibility

•  age 90 days to 45 years A child’s entry will only be eligible if the child is over 90 days of age.
  

Sum assured eligibility

No pre-acceptance medical tests up to age of 45 years irrespective of sum insured, subject to clean proposal form.

Coverage

• With Future 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 Hospitalization
  
•  Ambulance charges
•  Day-care procedures
  
• Hospital cash
  
• Pre-existing disease covered after four years of consecutive renewal Free medical check-up (After Four consecutive claim free years, for any two insured members)
  
•  Accompanying person expenses up to Rs. 500 per day
•  Additional accidental hospitalisation limit enhanced by 25% of balanced sum insured, subject to a maximum of Rs. 1 lakh •
•  Benefits may vary from plan to plan.
  

Benefits

Other benefits

Renewal discount of 5% on the renewal premium, applicable on the date of renewal, for each claim-free year by the entire family, up to a period of five years. At the end of the fifth year, 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.

Tax 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.

Exclusions

• 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 consecutive months have elapsed after the date of inception of the first policy with us.
•  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

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