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Future Generali - Health Suraksha Basic (Individual)


Coverage (Features): Premium is paid for region comprising of whole of India other than Zone A - (Mumbai, Delhi) and Zone B - (Kolkata, Chennai, Banglore & Hyderabad). If admitted in Zone A, claim payment will be 70 per c

General Exclusions: 1. Within 30 days of inception of the policy except those that are incurred as a result of accident. 2. Nuclear weapons or radiation. 3. Experimental and unproven treatment. 4. Non Allopathic Treatment. 5. Any sexually trassmitted disease. 6. Suicide or self injury 7. Alcohol or drug abuse 8. Pregnancy or birth related expenses



Details of Future Generali - Health Suraksha Basic (Individual)
Premium
(in Rs. inclusive of service tax)		 3,146
Minimum entry age (Yrs) 26
Maximum entry age (Yrs) 35
Maximum coverage amount 500000
Renewable till what age 70
SUB LIMIT
Doctor fee limit 35% of SA  
Room rent limit General (Min) 1% of SA  
Room rent limit General (Max) 35% of SA  
Room rent limit ICU (Min) 2% of SA 
Room rent limit ICU (Max) 35% of SA  
Medical OT charges (Max limit per illness) 40% of SA  
Pre existing disease coverage After 4 continuous policy years.
Co pay 30% in Mumbai & Delhi, 20% in Chennai, Kolkata, Ahmedabad, Hyderabad & Banglore.
Pre hospitalization expences Expenses incurred 60 days prior to hospitalisation.
Post hospitalization expences Expenses incurred 90 days after hospitalisation.
Compulsary medical Yes, required above age of 45 years required (again depends on underwriter).
Cumulative bonus 5% premium discount for every claim free year to a maximum of 25% up to a period of 5 years and thereafter on sum insured 10% for every claim free year to a maximum of 50%.
Renewable discount
Domiciliary treatment No
Cost of health check up 1 per cent of total sum assured to a maximum of Rs. 4000 after a block of every four claim free years.


To find the best deal,
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Future Generali - Health Suraksha Basic (Individual)
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Oriental Insurance - Health Insurance (Individual) 3,799
Bharati AXA - Smart Health Plan Premium (Floater) 2,729
Apollo Munich - Easy Health Individual Standard (Individual) 3,626
Cholamandalam General - Individual Health (Individual) 4,377
Bajaj Allianz - Health Guard (Individual) 4,275
Bharati AXA - Smart Health Plan Optimum (Floater) 3,722
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Reliance General - Healthwise Gold (Floater) 9,811
New India Assurance - Mediclaim (Individual) 3,800
Reliance General - Healthwise Silver (Floater) 6,568
Reliance General - Healthwise Standard (Floater) 4,715
HDFC Ergo - Health Suraksha (Floater) 3,653
Bajaj Allianz - Health Guard (Floater) 4,275
Future Generali - Health Suraksha Golden (Individual) 3,932
Future Generali - Health Suraksha Silver (Individual) 3,540
National Insurance - Parivar for Family (Floater) 3,799
Cholamandalam General - Family Floater (Floater) 4,918
Max Bupa - Heartbeat Silver Zone 3 4,197
NA
Max Bupa - Heartbeat Silver Zone 2 4,406
NA
Max Bupa - Heartbeat Silver Zone 1 4,617
NA
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