Useful Information

Future Gen

TPA Information

Varishta Bima - Individual

Synopsis:

Future Varishta Bima is a health insurance plan designed just for senior citizens. It provides cover to anyone from age of 60 years and above with continuous cover thereafter till lifetime.

Highlight:

  • Room, Boarding & Nursing Expenses
  • Surgeon/ Consultant/ Anaesthetist/ specialist fees
  • Anaesthesia, blood, Oxygen, Operation Theatre fees
  • Pre and Post hospitalisation medical expenses
  • Day Care expenses
  • Road Ambulance charges
  • Free annual medical check-up

Benefit:

Title
Description
Co-Payment
50% co-payment for Pre-existing disease.25% co-payment is applicable on each and every claim for all other claims,
Medical Screening
a) Applicable for proposal form with any medical declaration for any sum insured b) Mandatory Pre-insurance medical examination for sum insured Rs 7.5 L and Rs 10 L
Free Health Checkup
Free Medical Check-up after every continuous period of 1 year
Ambulance Expenses
Up to ? 1000/- per hospitalization
Non-Allopathic Treatments
Not covered
New Born Baby Cover
NA
Donor Expenses
Not covered
Nursing Allowance
Covered upto SI
Room Rent Limit
Covered upto SI
ICU Daily Rent Limit
Covered upto SI
Pre-Hospitalization Expenses
Up to 60 days. 2% of SI
Post Hospitalization Expenses
Up to 90 days. 2% of SI
Minimum Hospitalization Period
24 hours
Day Care Procedure Coverage
Covered
Additional Cover for Critical Illness
NA
Automatic Restoration of Sum Insured
NA
Pre-Existing Disease / Illness coverage
Covered after 12 months
Waiting Period for New Policy
30 days for all illnesses (not applicable on renewal or for accidents)