Future Generali Arogya Sanjeevani Policy

Medical emergencies can disturb your financial planning in a hard way. Therefore, you should secure yourself and your family members with a reasonable health insurance plan. IRDAI, in April 2020, introduced Arogya Sanjeevani Policy in order to make health insurance policies more affordable and accessible. Arogya Sanjeevani Policy is mandatory to be offered by all health insurers in the country.

Future Generali is one of the best general insurance firms. Future Generali general insurance plans offer one of the best insurance schemes. One such is Future Generali Arogya Sanjeevani Policy. Future Generali Arogya Sanjeevani policy is one of the health insurance policies by Future Generali. It is an essential and inexpensive health insurance scheme that covers your expenditure incurred because of hospitalisation, pre and post-hospitalisation charges, day care medications expenses, emergency ambulance fees, AYUSH treatment and cataract treatment.

Future Generali Arogya Sanjeevani Policy offers various features to protect you and your family in a medical emergency. Some of the key features of the Arogya Sanjeevani Policy are mentioned below:

• Coverage for the Whole Family: Future Generali provides coverage to all of your family members. Arogya Sanjeevani Policy includes your spouse, parents, parents-in-law, and dependent children under the age of 25 years. The policy also provides you with a chance to port your senior citizen insurance plan with them in a hassle-free manner.

• Sum Insured: In respect of each claim-free year, Future Generali provides an increment of 5℅ on the sum insured subject to a maximum of 50% of the insured sum. Sum insured can go from INR 1 lakh to INR 25 lakhs.

• Tax Relief: Future Generali Arogya Sanjeevani policy enables you to be eligible for tax deduction under Section 80D, Income Tax Act 1961

• Eligibility: Any individual ageing between 18 to 65 years is eligible for this policy. Your children between the ages of 3 months to 25 years and financially dependent on you can be covered.

• Waiting Period: There is a waiting period in this policy which is as follows-

  • 30 days: The initial waiting period of 30 days is for any disease diagnosed or diagnosable except those incurred as an outcome of an injury.
  • 24 months: The initial 24 months are for listed illnesses and protocols.
  • 48 months: The preliminary 48 months are for age-related osteoporosis and all the pre-existing diseases.

• Payment Selection: Future Generali provides you to make payments through different payment methods. You can make payment through cheque, demand draft (DD) and Credit Card (Master and Visa only).

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Take a look at the coverage that you can get under the Arogya Sanjeevani Policy

• Hospitalisation Charges: All the expenses that happen during your hospital stay are covered.

• Pre and post-hospitalisation charges: Future Generali covers your medical expenses 30 days before the hospitalisation and 60 days after discharge.

• Day Care Medication Fee: It covers all the expenses when you are hospitalised for less than 24 hours.

• Cataract Treatment: It provides coverage up to INR 40,000 or 25% of the sum insured, whichever is less.

• Ayush Treatment: Arogya Sanjeevani Policy also covers alternative medication through Yoga, Homeopathy, Unani, Siddha, and Ayurveda.

• Ambulance Fees: It covers ambulance charges up to INR 2,000 per hospitalisation.

The following things are excluded from the policy:

• Medication without a doctor's prescription
• Expenses incurred due to plastic surgeries, unless required after an accident
• Sex change operations
• Treatment-related to weight loss
• Treatment because of dangerous activities or substance abuse.
• Expenses related to maternity.

The following are the benefits of the Future Generali Arogya Sanjeevani Policy:

• This policy provides complete coverage at a reasonable price
• Future Generali provides you a free look period in which you can cancel the policy within 15 days of purchase
• The policy is available on an individual and floater basis as well
• In case your policy expires, you will be provided with a 30 days grace period to renew your policy
• You get a free look period in which, if you want, you can return the policy
• No pre-insurance medical checkup is required till 55 years of age.

The claim procedure for the Future Generali Arogya Sanjeevani Policy is fast and reliable. As per the selection of the hospital, your claim can be reimbursed or cashless. Remember that you need to inform the company about a planned hospitalisation a few days in advance in both scenarios. In case of emergency hospitalisation, make sure to inform Future Generali India Insurance Company within 24 hours of hospitalisation so that the claim can be processed smoothly.

Documents required for claim settlement

In case of cashless treatment, the company will take care of the paperwork. However, it is still advised that you keep the following documents handy at the time of settlement.

• Completely filled out Future Generali claim form
• Photo ID of the patient
• Original medication bills
• Patient's medical history
• Suppose you underwent surgery. Complete details of the surgery and the surgeon's certificate should be provided
• Discharge summary
• Payment acknowledgements.

It can be summarised that Arogya Sanjeevani Policy by Future Generali Health Insurance is one of the best and the most comprehensive policies available in the market. In a pocket-friendly way, you can ensure complete coverage for your entire family. If you have not yet purchased a health insurance scheme, you can indeed consider the Future Generali Arogya Sanjeevani Policy.