Health Total

• Entry Age – Minimum – 1 Day
• Entry Age – Maximum – None
• Cover type – Individual and Family Floater

• Co-payment - Compulsory Co-payment applicable on every admissible claim

  Entry Age	Co-payment applicable
  60 years to 64 years	20%
  65 years to 69 years	25%
  70 years to 74 years	30%
  75 years and above	40%

For transaction on net banking – no documentation

For transaction on Mobile App– no documentation

For paper based transactions

• Insurance company form
• KYC Documents :ID Proof & address proof(PAN & Aadhar)

• Pre-existing disease: Compulsory waiting period - 2 Years, max liability 3rd year onwards 50%, 4th Year onwards 100%.
• 30-day waiting period - fresh proposals excluding accidental hospitalisation
• 2-year waiting period for listed conditions
• 4-year waiting period - joint replacement and organ transplant
• 4-year Waiting Period - Mental illness and psychiatric illness
• 4-year Waiting Period - HIV/ AIDS
• 4-year Waiting Period - Behavioural and Neuro developmental disorders
• Cost of an annual health check-up
• Injury or illness directly or indirectly caused by or arising from or attributable to war, invasion, act of foreign enemy, war like operations
• Cosmetic treatments, plastic surgery other than as may be necessitated due to an accident or as a part of any illness, refractive error corrective procedures, experimental, investigational or unproven/experimental treatment, devices and pharmacological regimens of any description
• Expenses incurred towards treatment of illness or injury arising out of alcohol use/ misuse or abuse of alcohol, narcotic substance or drugs
• Charges incurred in connection with cost of spectacles and contact lenses, hearing aids, durable medical equipment, namely that equipment used externally for the human body which can withstand repeated use; is not designed to be disposable; is used to serve a medical purpose, such cost of all appliances/devices whether for diagnosis or treatment after discharge from the hospital.

Cashless Claim - Cashless treatment is only available at a Network hospital. In order to avail cashless treatment, the following procedure must be followed by You:

• Choose the network hospital.
• You can find the complete list of network hospitals on our website.
• Fill in the cashless request form which is available with the Hospital Insurance Help Desk and get it certified by your treating doctor.
• We will scrutinize the document and convey the decision to the hospital. We will sanction the cashless request or call for additional documents if required.
• On approval of a cashless claim, the hospital bills will be settled directly.

Reimbursement Claim - If treatment is taken in a Hospital which is not on our Network or if You do not wish to avail cashless facility the following procedure must be followed by You for reporting a claim:

• Intimate Us through the toll free number - 1800 103 8889 immediately on admission not later than 15 days from the date of discharge from a Hospital.
• Avail treatment and settle all the bills with the hospital and then file a claim for reimbursement.
• Claim documents may be submitted at below address:
• 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

Claim Documents

• The indicative list of claim documents required is mentioned below
• The claim form specified by Us duly completed and signed by the claimant or a family member
• First consultation letter
• First prescription from the Medical Practitioner
• Original vouchers
• Original Hospital bills giving a detailed break up of all expense heads mentioned in the bill
• Money receipt duly signed with a revenue stamp
• Birth/death certificate (as applicable)
• The original Hospital discharge card
• All original laboratory and diagnostic test Reports such as X-Ray, E.C.G, USG, MRI Scan, Haemogram, etc
• If medicines have been purchased in cash and if this has not been reflected in the Hospital bill, please enclose a prescription from the Medical Practitioner and the supporting medicine bill from the chemist
• If diagnostic or radiology tests have been paid for in cash and it has not been reflected in the Hospital bill, please enclose a prescription from the Medical Practitioner advising the tests, the actual test reports and the bill from the diagnostic centre for the tests.