Your Input Details
Insured Member(s)
You
Age of eldest member
26-30
  • Your Input Details
  • Insuring You
  • Eldest Member Age: 26-30
  • Sum Insured: ₹ 5L
Edit Details
Sum Insured
₹ 5L₹ 10L₹ 15L₹ 20L₹ 25L
Priced Fairly
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Future Health Suraksha Gold

  • Product features56/100
  • Price40/100
  • Claims experience77/100
1 Finance Score:58/100

The 1 Finance Score is a weighted average based on price, product features, and claims experience.

1 Finance Rank
34

Must-Look Features

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    Room RentAs per Actuals
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    No Claim Bonus (NCB)Max up to 50% of SI
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    Recharge of SI (RSI)Automatic reinstatement up to 100% SI once in a policy year
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    Pre-Existing Diseases (PED)Covered after 3 years
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    Co-payment (Co-Pay)No Co-pay
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    Health and WellnessCheck up once after a block of 4 claim-free years

Claims Experience

  • facility-icon
    Claim Settlement Ratio (CSR) - Number92.37%
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    Claim Settlement Ratio (CSR) -Amount71.99%
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    Incurred Claim Ratio (ICR)85% signifies high customer satisfaction based on premiums & claims
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    Ageing of Claim98.31%
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    Network Hospitals8000
Standard FeaturestoggleIcon
  • Pre-hospitalisation60 Days, as actuals
  • Post-hospitalisation90 Days, as actuals
  • Daycare treatments409 daycare procedures covered
  • Ambulance cover₹750 per hospitalisation and an overall limit of ₹1,500 per policy year
  • Domiciliary hospitalisation-
  • Organ donor coverCovered
  • Second opinion-
  • Daily allowance

    -

  • AYUSH treatmentNot Covered
  • Modern treatment methodsCovered up to 50% of the SI opted for
SI:Sum Insured
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About Future Generali

Future Generali India Insurance Company Ltd is a collaboration between Future Group, a major player in Indian retail trade, and Generali, a global insurance business with a legacy of 190 years. They provide insurance coverage in personal, commercial, and social/rural insurance categories.

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About Future Generali

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Future Generali India Insurance Company Ltd is a collaboration between Future Group, a major player in Indian retail trade, and Generali, a global insurance business with a legacy of 190 years. They provide insurance coverage in personal, commercial, and social/rural insurance categories.

  • FOUNDED IN2006
  • CEOAnup Rau
  • HEADQUARTERSMumbai, India
  • AUM₹6,773.11 Cr
  • GROSS WRITTEN PREMIUMS (GWP)₹5,002.08 Cr
  • COMBINED RATIO

    Combined ratio assesses an insurance company's financial health by indicating the percentage of earned premiums used for claims and expenses.

    A combined ratio below 100% means the company profits from underwriting, while a ratio above 100% implies it pays out more in claims and expenses than it collects in premiums.

    105.94%

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