Future Generali Group Health Insurance

Future Generali Group Health Insurance

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Number of Employees

*Value should be between 2 and 500

20
  • 2
  • 100
  • 200
  • 300
  • 400
  • 500

Total estimated yearly premium

*only basic terms and conditions applied

100,000

₹ 5,000 per life

Talk to our experts to get exact premium estimates

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Claim settlement ratio (2019-20)

82.96%

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Network hospitals

5100+

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Total GHI lives insured (2020-21)

84.3 Lakhs

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Total GHI claims incurred (2020-21)

₹171 crores

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TPA

In house TPA

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About Future Generali group health insurance

A joint venture between Future Group and Generali Group, Future Generali India Insurance has a presence in over 125 branches across India and is one of the prominent insurance providers in India. From products ranging to health insurance, motor insurance, travel insurance, home insurance, and personal accident insurance, the company has a solid customer base and has over 82 lakh policies sold across the country. 

With the vision of protecting people’s lives through unique insurance products like group health insurance, group personal accident cover, group term life insurance plan, Future Generali insurance offers affordable products with comprehensive packages. The Future Generali group health insurance is one of the popular insurance offered with several benefits with a hassle-free claim settlement process. By purchasing Future Generali group health insurance from Pazcare, you are getting best-class services at the most affordable prices. Trusted by more than 500+ companies across India, Pazcare makes your insurance journey smooth by offering its Pazcare dashboard where you can manage the policy, add/delete employees and manage endorsements. 

How to buy Future Generali group health insurance at Pazcare?

Step 1: Visit our website at Pazcare and choose group health insurance under the products dropdown. 

Step 2: After carefully reviewing the coverage and benefits section, click on the get quote button to fill out basic information like your name, company, work email address, phone number, and the number of employees in the organization.

Step 3: Our insurance consultants will get back to you within 24 hours of submitting the form. Make sure you communicate your requirements regarding the Future Generali group health insurance. This includes the sum insured, type of policy, add-ons required, etc.

Step4: Our team will get back to you with competitive quotes for Future Generali group health insurance shortly. 

Step 5: Once you choose the policy, say Future Generali group health insurance policy, the next step is to accept the terms and conditions of the policy and pay the premium quoted.

Step 6: Once you make the payment, our team will process the onboarding process. Generally, an onboarding process will be done within 24 hours of your policy purchase. We will also assist you in using the Pazcare dashboard to administer your group insurance plan.

For any assistance or queries, get in touch with us at support@getpaz.com or call us directly at +91 78291 11300. Alternatively, get in touch with us on Whatsapp using +91 81973 79596.

Why choose Future Generali group health insurance as your insurance partner?

In-House Cashless Claim Settlement

At Future Generali, you have an in-house team assisting you with claim settlement that ensures the smooth settlement of claims. 

5,100+ network hospitals

Under Future Generali group health insurance, you have a wide network of 5,100+ hospitals where the insured can avail of cashless treatment.

 Good Claim Settlement Ratio

 Future Generali group health insurance has an impressive claim settlement ratio of 82.96%. The claim settlement process is extremely hassle-free at Future Generali.

Future Generali group health insurance claim settlement ratio

A claim settlement ratio (CSR) in simple terms is defined as the ratio between the number of claims settled to the number of claims requested in a financial year by a health insurance company. 

Financial Year Claim settlement ratio
2019-20 82.96%
2018-19 87.68%

Future Generali group health insurance network hospitals

Future Generali group health insurance has more than 5100+ network hospitals across India. This means you can easily avail of cashless claims for your group health insurance.

Claim Future Generali group health insurance

Future Generali group health insurance cashless claim

Make your Future Generali group health insurance policy cashless claim using the following process.

  1. Visit a network hospital

Mind you, you will be able to use cashless claim benefits only at a network hospital. Hence, visit the nearest network hospital for treatment.

  1. Verify your details

Confirm your identity using the government photo ID like voter ID, driving license, along with the health insurance ID card or policy number, and your company ID at the network hospital.

  1. Submit the pre-authorization form

The next step is to submit the pre-authorization form to Future Generali group health insurance within 24 hours of hospitalization in case of emergency. For planned hospitalization, submit it at least 3 days before the hospitalization in the network hospital.

  1. Review of request

After submitting the pre-authorization form, the request for a cashless claim for your Future Generali group health insurance will be reviewed by the insurer/TPA. And the same will be notified to you and the network hospital.

  1. Claim settlement

Once Future Generali health insurance accepts your claim request, the claim is settled directly with the network hospital according to the terms and conditions of the policy.

Future Generali group health insurance reimbursement claim

For hospitalizations in a non-network hospital, you can go for a Future Generali group health insurance reimbursement claim.

  1. Intimate your insurer

Firstly, intimate your insurer about the hospitalization within 48 hours in case of emergency and at least 3 days before planned hospitalization

  1. Settle your bills

Once you get treated at a non-network hospital, the next step to follow is to settle all your hospital bills and pharmacy bills from your pocket.

  1. Collect the original documents

Once the bills are settled, collect the original copies of all the required documents to file for a reimbursement claim. 

Documents required to file Future Generali group health insurance reimbursement claim

  • Claim form
  • Medical papers, pathology reports, X-ray reports, as applicable
  • Doctor’s prescription and line of treatment suggested
  • Medical bills and cash memos
  • Hospital Discharge Card
  1. Submit the documents

After collecting all the original documents, submit the documents to Future Generali insurance.

  1. Claim processing

Claim processing for Future Generali group health insurance reimbursement claims will be done as per the terms and conditions of the policy. Once approved, the claim will be settled in your bank account. 

Contact us at support@pazcare.com for 24X7 claim assistance for your employees. Alternatively, you can call us at +91 78291 11300.

Also Read: Health Insurance Claim Process- How Does It Work?

Future Generali group health insurance renewal process

Renew your Future Generali group health insurance with Pazcare using the following steps.

Step 1: Visit us at https://pazcare.com/ and submit a basic form that requires your name, company name, number of employees, work email address, and phone number.

Step 2: After submitting the form our group health insurance consultants will contact you for the following documents.

  • Active data of employees - name, age, gender, details of dependents (as per the type of policy)
  • Claim analysis report
  • Claim dump report from the insurer/TPA
  • Policy copy

Step 3: If you want additional add-ons to your existing Future Generali group health insurance policy like dental insurance riders, maternity insurance riders communicate your requirements. With Pazcare, you can also choose additional health and wellness add-ons like wellness and therapy sessions, unlimited doctor consultations, comprehensive check-ups, and many more to your Future Generali group health insurance. 

Step 4: We will get back to you with the competitive quotes for your Future Generali group health insurance. Based on your claim history and the additional riders and add-ons you choose, your Future Generali group health insurance premium may vary from the previous financial year.

Step 5: Then agree to the terms and conditions of the policy and proceed with paying the premium for the Future Generali group health insurance policy. The policy is usually valid for a year after the renewal.

Step 6: In case, purchasing your Future Generali group health insurance for the first time with Pazcare, within 24 hours the onboarding process will be carried out. 

We make sure that your Future Generali group health insurance administration experience is seamless using our Pazcare dashboard. Your employees can access their Future Generali group health insurance plan using Pazcare’s employee app which is available on both the app store and the play store. 

 

What is covered under your Future Generali group health insurance?

In-Patient Hospitalisation Expenses

Under your Future Generali group health insurance, your In-patient hospitalization expenses incurred during 24 hours of hospitalization are covered. For example, room rent, nursing, boarding, oxygen, blood, anesthesia, Surgeon’s fees, etc. 

 Pre-Hospitalisation And Post-Hospitalisation Expenses

Under your Future Generali group health insurance, your Pre-hospitalisation, and post-hospitalization expenses are covered. Those expenses are incurred before and after hospitalization. These expenses may be incurred on several tests such as blood tests, urine tests, consulting fees, and medical costs. diagnostic charges, etc.

Ambulance Expenses

Under your  Future Generali group health insurance all your expenses related to domestic road ambulance services to the nearest hospital are covered. 

Daycare Expenses Covered 

All your daycare procedures that require hospitalization of fewer than 24 hours are covered under your Future Generali group health insurance. Expenses include chemotherapy, radiology, cataract surgery, etc. 

What is not covered under your Future Generali group health insurance?

Your Future Generali group health insurance policy will not cover expenses related to 

Cosmetic treatment expenses

Under your Future Generali group health insurance, expenses related to cosmetic treatments like plastic surgery, liposuction, and botox are not covered. 

Injuries due to war

Any hospitalizations due to injuries caused by wars and their treatment expenses are not covered in your Future Generali group health insurance policy.

Treatment incurred from substance and alcohol consumption 

All your expenses arise from the substance and alcohol consumption are not covered under your Future Generali group health insurance. 

Expenses incurred for the treatment of HIV/AIDS

Under Future Generali group health insurance, expenses incurred from the treatment of HIV/AIDS are not covered. 

Future Generali group health insurance benefits 

Hassle-free claim settlement

To settle the claim for your Future Generali group health insurance, it is extremely easy and hassle-free. It is quicker and more transparent. 

Portability Benefit

Under Future Generali group health insurance, you can switch to Future Generali group health insurance plan in case you are not satisfied with your current health insurance policy offered by any other insurer.

Day care treatments covered

Under your Future Generali group health insurance, treatments like Chemotherapy, Radiotherapy, eye surgery, and dental surgery with less than 24 hours of hospitalization are covered.

Future Generali group health insurance premiums

It is important you calculate premium using Future Generali group health insurance premium calculator to get the right estimare. Your Future Generali group health insurance premium is calculated based on factors like:

Claims history

For Future Generali group health insurance your claim history is considered a significant factor while calculating the premium for that financial year. In simple words, if your number of claims requested in the previous financial year is higher, then the premium to be paid for the policy will increase during the renewal.

Riders and add-ons 

If you opt for riders and add-ons like maternity insurance riders, dental insurance riders along with the existing Future Generali group health insurance policy then your group health insurance premium will increase.

Sum insured

In simple words, the sum insured is referred to as the maximum amount that an insurance company will pay in case of any hospitalization in a financial year. For instance, if your hospitalization expenses exceed the sum insured, the policyholder pays the remaining amount from his/her pocket. Hence your Future Generali group health insurance premiums are higher for a higher sum insured.

Average age

The Future Generali group health insurance premium also depends on the average age of the people insured. To put it simply, the higher the average age, the higher will be the premium.

Check Out: Reliance Group Health Insurance

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Future Generali group health insurance claim process

1

Intimate the insurer

Intimate about the hospitalization to the insurer/TPA within 24 hours, in case of emergency and at least 3 days prior in case of a planned hospitalization.

2

Verify your identity

Provide the proof of identity - policy number/health insurance ID card, company ID, and a valid unique govt. ID card.

3

Submit the pre-authorization form

Fill out the pre-authorization form/cashless claim form and submit it to the network hospital.

4

Claim settlement

After successful verification, the claim will be settled directly to the network hospital.

5

Contact us for assistance

For any claim assistance contact Pazcare at support@getpaz.com or call us at +91 78291 11300.

1

Intimate the insurer

Intimate the insurer within 48 hours, in case of an emergency and at least 3 days prior in case of a planned hospitalization.

2

Settle the bills

Settle the hospital bills and collect the original copies of all the essential documents.

3

Submit the documents

Submit these documents along with the claim form to the insurer/TPA.

4

Claim settlement

Once verified, the claim will be settled in your bank account directly through NEFT.

5

Contact us for assistance

For any claim assistance contact us at support@getpaz.com or call us at +91 78291 11300. We will be happy to assist.

Future Generali group health insurance cashless network hospitals

Future Generali group health insurance reviews

4.1 / 5

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Rating based on
(6596 reviews)

Ravikiran

4.5 / 5

4.5 / 5

The Pazcare team co-ordinated with our employees very well to help us with claims and answer all our doubts.

Supriya

5 / 5

5 / 5

Pazcare’s customer service team offers excellent insurance and claim assistance.

Sai P

5 / 5

5 / 5

The Pazcare dashboard is very easy to access and use. Great job guys!

SHUBHASHIS

4.5 / 5

4.5 / 5

The guided claim assistance was very good and our claims were settled quickly.

Yashoda

5 / 5

5 / 5

The Pazcare dashboard is very user-friendly. It makes the policy administration easier.

4.6 / 5

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Rating based on
(3023 reviews)

Ravikiran

4.5 / 5

4.5 / 5

The Pazcare team co-ordinated with our employees very well to help us with claims and answer all our doubts.

SHUBHASHIS

4.5 / 5

4.5 / 5

The guided claim assistance was very good and our claims were settled quickly.

4.4 / 5

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Rating based on
(2193 reviews)

Supriya

5 / 5

5 / 5

Pazcare’s customer service team offers excellent insurance and claim assistance.

4.8 / 5

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Rating based on
(913 reviews)

Sai P

5 / 5

5 / 5

The Pazcare dashboard is very easy to access and use. Great job guys!

4.2 / 5

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Rating based on
(1267 reviews)

Yashoda

5 / 5

The Pazcare dashboard is very user-friendly. It makes the policy administration easier.

Why buy a group health insurance
policy online from Pazcare?

  • Choose the suitable policy with our consulting approach
  • Custom-made plan with health and mental wellness add-ons
  • The tech-enabled Pazcare dashboard to manage endorsements
  • Integrate the dashboard with your HRMS tool
Pazcare DashboardPazcare app
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Future Generali group health insurance customer care number

For any queries or assistance, reach out to us at any time. We provide 24X7 customer assistance.

Future Generali group health insurance

Future Generali group health insurance FAQs

What is the customer care number of Future Generali group health insurance?

Reach out to Future Generali group health insurance calling at 1800-102-2355. Also, you can mail them at care@futuregenerali.in for any queries.

How to go about Future Generali group health insurance renewal?

To renew your Future Generali group health insurance policy, follow these steps: 

  1. Firstly, get in touch with Pazcare and submit the form with essential details like company name, number of employees, and phone number.
  2. We will get in touch with you for relevant documents required for the renewal of your Future Generali group health insurance
  3. Next stop, agree to the terms and conditions of the policy, and pay your premium.
  4. Your policy will be activated immediately after the purchase.

How to go about the claim settlement process for Future Generali group health insurance?

You can claim Future Generali group health insurance in two ways. You can go for a cashless claim at a network hospital and a reimbursement claim at a non-network hospital. Make sure to inform the insurer at least 3 days before a planned hospitalization and within 48 hours in case of emergency hospitalization.

How to calculate the premium for a sum insured of Rs. 5 lakhs?

Since you know the sum insured amount, enter it in the online calculator along with other details while calculating the premium for your insurance. Calculate  Future Generali group health Insurance premium calculator now.

Why should I buy Future Generali group health insurance?

You should go for Future Generali group health insurance as it has 5100+ network hospitals where you can enjoy cashless treatment benefits, and a hassle-free claim settlement process with an impressive claim settlement ratio.

How do I access the Future Generali group health insurance premium calculator?

The Future Generali group health insurance is a tailor-made policy for corporate employees. Hence, the Future Generali group health insurance premium will be calculated based on a few significant factors like

  1. Type of the policy and the number of dependents covered
  2. Add-ons/riders opted with policy
  3. The average age of the insured.
  4. Sum insured