Future Generali Health Insurance

Minimum Entry Age - 90 days (children are eligible only if parents are covered; children are considered to be dependants until 25 years) Maximum Entry Age - 70 years

Sum Assured

- Up to Rs.10 lakhs for entrants up to 55 years of age. Basic Plan, Silver Plan and Gold Plan - Rs.50,000 to Rs.5 lakhs (in increments of Rs.50,000); Platinum Plan - Rs.6 lakhs, Rs.7.5 lakhs, Rs.8 lakhs, Rs.9 lakhs and Rs.10 lakhs. - Rs.5 lakhs for entrants above 55 years of age (age limit applicable to those switching from other insurers). - Rs.50,000 for dependant children (only if parents are covered under the same plan).

Free Look Period - 15 days from policy receipt for policy cancellation with refund of premium paid (adjusted).

Maximum Renewal Age - No Limit

At any of the company's network hospitals.

- 10% awarded for every claim-free year.

- Up to 50%.

- Not required up to 45 years.

- Mandatory (at authorised medical centres only) for proposer above 45 years of age (50% of screening expenses will be reimbursed if the proposer is subsequently accepted as a client)

Premiums Payable for Plans taken on Individual Basis

Basic Plan - Rs.713 to Rs.4,630;

Silver Plan - Rs.785 to Rs.5,093;

Gold Plan - Rs.855 to Rs.5,552;

Platinum Plan - Rs.7,454 to Rs.11,633;

Depends on the chosen sum assured and age of the insured person.

- At authorised centres.

- Every 4 claim-free years.

- Up to 60 days.

Portability allowed.

Post-hospitalisation expenses - Up to 90 days.

Tax benefits U/S 80D of the IT Act for premiums paid (not applicable to cash payments).

Ambulance Charges - Up to Rs.1,500.

Cashless facilities.

Day Care Treatment - For 130 procedures.

Renewal Grace Period - 30 days from policy expiry.

Hospital Cash Benefits - Applicable under the Platinum Plan only.

Claim Payments

Pre-Existing Diseases - Upon completion of 4 consecutive years of this policy.

Patient Care Expenses - For insured members above 60 years of age. - Up to Rs.350 per day. - Up to Rs.500 per day for person accompanying the insured member.

Additional cover - For accidental hospitalization. - 25% of sum assured or Rs.1 lakh, whichever is lower.

Cataract, Hernia, Tumour (similar ailments) - Upon completion of 2 policy years.

Gallstones, Kidney stones (similar ailments) - Upon completion of 1 policy year.

Joint Replacement Surgery (necessitated for reasons other than due to accident) - Upon completion of 3 policy years.

Minimum Entry Age - 90 days (children are eligible only if parents are covered; children are considered to be dependants until 25 years) Maximum Entry Age - 70 years

Sum Assured

Free Look Period - 15 days from policy receipt for policy cancellation with refund of premium paid (adjusted).

Maximum Renewal Age - No Limit

Policy Period - 1 year.

Cumulative Bonus - 10% awarded for every claim-free year. - Up to 50%.

Medical Screening - Not required up to 45 years of age. - Mandatory (at authorised medical centres only) for proposer above 45 years of age (50% of screening expenses will be reimbursed if the proposer is subsequently accepted as a client)

Premiums Payable

Free Health Checks - At authorised centres. - Every 4 claim-free years.

Pre-hospitalisation expenses - Up to 60 days.

Portability allowed.

Post-hospitalisation expenses - Up to 90 days.

Tax benefits U/S 80D of the IT Act for premiums paid (not applicable to cash payments).

Ambulance Charges - Up to Rs.1,500.

Cashless facilities.

Day Care Treatment - For 130 procedures.

Renewal Grace Period - 30 days from policy expiry.

Hospital Cash Benefits - Applicable under the Platinum Plan only.

Claim Payments

Pre-Existing Diseases - Upon completion of 4 consecutive years of this policy.

Patient Care Expenses - For insured members above 60 years of age. - Up to Rs.350 per day. - Up to Rs.500 per day for person accompanying the insured member.

Additional cover - For accidental hospitalization. - 25% of sum assured or Rs.1 lakh, whichever is lower.

Cataract, Hernia, Tumour (similar ailments) - Upon completion of 2 policy years.

Gallstones, Kidney stones (similar ailments) - Upon completion of 1 policy year.

Joint Replacement Surgery (necessitated for reasons other than due to accident) - Upon completion of 3 policy years.

For persons already covered under a hospitalization health insurance policy - expenses will be covered over and above the deductible amount. For persons who are not covered under a health insurance policy - the proposer has to bear deductible amounts for each hospital stay.

Sum Assured and applicable deductible: - Rs.3 lakhs; the applicable deductible is Rs.2 lakhs. - Rs.5 lakhs; the applicable deductible is Rs.2 lakhs or Rs.3 lakhs. - Rs.7 lakhs; the applicable deductible is Rs.3 lakhs. - Rs.10 lakhs; the applicable deductible is Rs.5 lakhs.

Family Discounts - 20% to 60% on premiums. - For plans on family floater basis.

Minimum Entry Age - 3 months to 5 years (where both parents are covered under this plan). - 6 years to 18 years (where at least one parent is covered under this plan). - Persons between 18 years to 25 years can be considered to be either dependants or independent proposers.

Premiums Payable - Rs.1,008 to Rs.27,804. - Depends on the age of the insured person, the chosen sum assured and applicable deductible. - Loading for underwriting up to 10%.

Free Look Period - 15 days from policy receipt, for policy cancellation with refund of premium paid (adjusted).

Maximum Entry Age - 65 years.

Basis - Individual or Family Floater (Family includes proposer, spouse and children).

Portability allowed.

Maximum Renewal Age - No Limit.

Pre-hospitalisation expenses - Up to 60 days. Post-hospitalisation expenses - Up to 90 days.

Tax benefits U/S 80D of the IT Act for premiums paid (not applicable to cash payments).

Medical Screening - Not required up to 55 years of age. - Required (at authorised medical centres only) for proposer above 55 years of age or when advised (50% of screening expenses will be reimbursed if the proposer is subsequently accepted as a client).

Inpatient hospitalisation expenses - Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists, Anaesthesia, Blood, Oxygen, OT, Surgical Equipment, Medicines, Drugs, Diagnostic Equipment, X-Ray, Pacemaker, Prosthesis, Implants, Other vital operation expenses.

Cashless facilities.

Joint Replacement Surgery (necessitated for reasons other than due to accident) - Upon completion of 3 policy years.

Minimum entry age - 6 years. Maximum entry age - 65 years.

Sum Assured: Minimum - Rs.1 lakh. Maximum - Rs.50 lakhs for persons up to 45 years and Rs.20 lakhs for persons above 45 years. Maximum Sum Assured on Renewal: - Rs.1 lakh for persons between 66 years and 70 years. - Rs.2 lakhs for persons above 75 years. - Rs.5 lakhs for persons between 71 years and 75 years.

Medical Screening Reimbursement - 50% of costs when the proposer is accepted as a customer.

Maximum renewal age - No Limits.

Premiums Payable - Rs.262 to Rs.2,65,660. - Depends on the age of the insured person and the chosen sum assured. Premium Loading - 10% to 25% for renewals for persons above 65 years. Premium Discounts - For plans taken on family floater basis. - 5% to 50% depending on age of the insured members.

Free Look Period - 15 days from policy receipt, for policy cancellation with refund of premium paid (adjusted).

Renewability - Cover terminates for an insured member upon contracting and successfully processing claims relating to any of the specified illnesses

Basis - Individual or Family Floater (Family includes proposer, spouse, 2 dependant children up till age 25 years and 2 dependant parents)

Portability allowed

12 critical Illnesses provided the insured person lives for 28 days post diagnosis/relevant surgical procedure - Cancer (depending on severity) including leukemia, lymphoma and sarcoma - Dialysis for Kidney Failure - Primary Pulmonary Arterial Hypertension - Liver Failure - Multiple Sclerosis - Bone Marrow/Major Organ Transplant - Open Chest Coronary Artery Bypass Graft - Aorta Graft Surgery - Stroke with permanent effects - First Heart Attack (depending on severity) - Coma (depending on severity) - Total Blindness

Minimum entry age - 6 months. Maximum entry age - 65 years.

Premiums:

Tax benefits U/S 80D of the IT Act.

Existing coverage under hospital cash policies - Total daily benefits of all existing policies of the proposer (if any) should not exceed Rs.6,000.

Policy Period - 1 year.

Free Look Period - 15 days from policy receipt for cancellation with refund of premiums paid (adjusted).

Maximum renewal age - No Limits.

Basis - Individual or Family Floater (Family includes the proposer, his/her spouse and 2 dependent children until age of 25). Irrespective of basis, only one plan can be chosen which will apply equally to all members covered by the plan.

Portability allowed.

Medical Screening - Required for entrants over 55 years under Plans C and D.

Income Requirements:

Plan B - No limits;

Plan C - Above Rs.50,000 p.m.;

Plan D - Above Rs.75,000 p.m. If total daily benefits across multiple policies taken is over Rs.3,000 - 125% of proposer's income per day.

Plan A - Rs.500 hospitalization allowance. - Rs.1,000 ICU allowance (limited to 10 days) if availed in city of residence; Rs.1,500 if availed outside city of residence.

Plan B - Rs.1,000 hospitalization allowance. - Rs.2,000 ICU allowance (limited to 10 days) if availed in city of residence; Rs.3,000 if availed outside city of residence.

Plan C - Rs.2,000 hospitalization allowance. - Rs.4,000 ICU allowance (limited to 10 days) if availed in city of residence; Rs.6,000 if availed outside city of residence.

Plan D - Rs.3,000 hospitalization allowance. - Rs.6,000 ICU allowance (limited to 10 days) if availed in city of residence; Rs.9,000 if availed outside city of residence. Rs.5,000 Convalescence allowance (all plans) for hospital stay more than 10 successive days.

Rs.256.26 crore

Rs.224.03 crore

87.42%