Greater Cover for Health Through Health Insurance Rule Changes in 2019, India

The Indian healthcare is taking marvellous leaps in 2019. The regulator is encouraging insurance companies and firms to cover treatment for mental illnesses and for HIV treatment.  Apart from such unconventional moves, the government has also come up with its flagship scheme covering 10 crore homes.

Government Sponsored Scheme

The government officially launched a medical insurance termed as Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana in September 2018. As per this scheme, 10 crore homes below poverty line get an annual health cover of 5 lakhs. All the states of India are yet to approve and sign the memorandum for this scheme to be implemented.

Cover for HIV and Mental Illnesses

While the regulator has mandated covering mental illnesses, insurers believe it to be complicated process due to lack of availability of past data related to mental health of patients. When mental illnesses actually get covered, it will provide financial assistance to people who have been silently dealing with mental illnesses.

Another positive step in the direction of providing health insurance cover was taken in October 2018 when Insurance Regulatory Development Authority of India (IRDAI) asked insurers to provide health cover to HIV positive individuals.

Why Health Insurance is a Must?

The rising cost of medical expenses has made it necessary for individuals to prepare for future health crisis. Most families spend a major chunk of their income on health-related expenses. Choose from reliable and trustworthy health insurance plans by companies like Future Generali and secure your health and future. When you take an Individual Medical Insurance from Future Generali, you get covered for:

  • Ambulance Charges
  • Pre and Post Hospitalisation Expenses
  • Patient Care Expenses
  • Day-care procedures
  • Accompanying person’s expenses
  • Hospital Cash Benefits
  • Additional Accidental Hospitalisation

Multiple Prudent Health Insurance Choices by Future Generali

Future Generali has been in the insurance industry for long. That is why it has multiple health insurance plans for you to choose from. The benefits offered by each is different. Here we have listed out the different medical insurance policies you can choose from and what each has to offer:

  • Comprehensive Plan- Health Total
  • Accident Suraksha- Personal Accident
  • Future Health Surplus- Top-up
  • Future Advantage Top-up
  • Future Health Suraksha-Individual Plan
  • Future Criticare-Critical Illness
  • Surakshit Loan Bima
  • Future Health Suraksha- Family Plan
  • Future Hospicash- Hospital Cash
  • Future Vector Care
  • Future Advantage Top-up

Pick a plan that best suits your health-related needs. Once you purchase a Future Generali Health Insurance Plan, you receive a membership pack including:

  • Policy schedule
  • Premium Receipt
  • Policy Coverage Terms and Conditions
  • Privilege Card for value added services
  • Health card to utilise cashless facilities at Network Hospitals

Making a claim at Future Generali is extremely simple. The inhouse claim settlement team handles cashless settlements within 90 minutes. If you place a reimbursement claim, it will be processed within 14 days after you have submitted all your documents. The inhouse team of professionals can help you with special advice to assist you with the claims.

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