There many health insurance plans available today but not all insurance plans cover maternity. While buying a health insurance policy, make sure that the medical insurance offers maximum cover so that you do not have to spend your savings on hospital and medical bills. With the healthcare prices increasing rapidly, you can secure yourself by purchasing a health insurance plan that offers comprehensive cover and safeguards you and your family in the best way possible.
If you are looking out for a health insurance plan that covers maternity as well, then Future Generali is the best option. Health total is a comprehensive health insurance policy that is offered on the individual sum assured basis as well as family floater sum insured basis. This medical insurance plan is offered in three plans namely, Vital, Superior and Premiere. The health insurance plan facilitates exclusive maternity benefits with a waiting period of two years when both the husband and wife are covered.
Health Total is an insurance plan by Future Generali that strives to cut down the hospitalization expenses, medical expenses, daycare treatment expenses, organ donor expenses and many others.
Definition of a family under each plan of Health Total:
For the Vital Plan: This plan can be applied to self, spouse, dependent children that are unmarried and up to the age of 25 and parents that are dependant.
For the Superior and Premiere Plan: This plan can be extended to self, spouse, dependent or non-dependent children, dependent or non-dependent parents, dependent siblings, daughter in law, son in law, parents in law, grandparents and grandchildren. A maximum of 15 members can be included, under this plan.
The sum assured for all these plans is different. For the vital plane, the sum assured is three lakhs, five lakhs and ten lakhs. For the superior policy, the sum assured is fifteen lakhs, twenty lakhs and twenty-five lakhs and for the premiere plan, the sum assured is fifty lakhs and one crore.
The minimum policy term for these plans under Health total is one year while the maximum policy term is three years.
The eligibility criteria for the Health total insurance plan by Future Generali is day one up to any age.
What all is covered under the Health Total Plan?
The Health total insurance policy, when claimed, will cover hospitalization medical expenses, daycare treatment expenses,pre-hospitalization medical expenses, post-hospitalization medical expenses and organ donor expenses.
Sum Assurance Restore:
Due to the claims payable if the sum assured gets exhausted, then the restore sum assured will be available for the particular policy year subject to terms and conditions.
All the expenses related to maternity are covered under the Health total policy with only two years of waiting period when husband and wife both are covered.
Miscellaneous expenses like patient care, accompanying person, road ambulance charges and wellness care are also covered under medical insurance. This type of comprehensive policy also covers mental as well as physical illness.
- Family discount of 10% is available if more than one person is covered under the same insurance in case of the individual sum insured option.
- You can also obtain tax benefit according to the section 80-D of the Income Tax Act.
- Instalment facility is available for policies on a long term basis. A maximum loading of 5% will be added, to the premiums as per the opted instalment frequency.
If you are looking out for a health insurance policy that contains maternity benefits, then the Health total insurance plan would be the right choice. You can purchase the health insurance directly from the Future Generali website.