It covers hospitalization expenses in excess of the deductible per hospitalization incurred by the policyholder. However, it should not exceed the sum insured during the period stated in the Policy Schedule.
Expenses incurred for in-patient hospitalization (minimum period of 24 hours) are covered. It comprises of room, Board & Nursing Expenses as provided by the hospital/nursing home.
Expenses for Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialists Fees, Anesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Materials and X-ray, Cost of Pacemaker, prosthesis / internal implants and any medical expenses incurred which is also a part of the operation.
Pre-hospitalization expenses incurred within 60 days prior to Hospitalization on illness / injury sustained.
Post-hospitalization expenses incurred within 90 days after the date of discharge from the hospital.
A duly filled claim form signed by the Insured Person.
Original Bills (including but not limited to pharmacy purchase bill, consultation bill, and diagnostic bill) and any attachments thereto like receipts or prescriptions in support of any amount claimed.
All reports, like case histories, investigation reports, treatment papers, discharge summaries.
A precise diagnosis of the treatment for which a claim is made.
A detailed list of the individual medical services and treatments provided and a unit price for each.
Prescriptions that name the Insured Person and in the case of drugs: the drugs prescribed, their price and a receipt for payment. Prescriptions must be submitted with the corresponding Doctors invoice.
Record of previous treatments along with reports.
MLC/ FIR copy/ certificate regarding abuse of alcohol/intoxicating agent, in case of Accidental injury.
Age of entry: 3 Months – 65 years.
Children from 3 Months – 5 years can be covered if both the parents are insured.
Children from 6 years to 18 years can be covered if either of the parents is covered.
Children from 18 years to 25 years can be covered as self-proposer or as dependents.
With Rs 60.29 cr in Revenues, Future Generali Net Worth increases by 50% in FY 15
New MD, CEO of Future Generali – Munish Sharda