Useful Information

Future Gen

TPA Information

Health Total Individual


Health Total Individual, gives you a comprehensive cover, a near-perfect answer to all your medical needs. Just one policy and be prepared for unforeseen events.


  • Emergency Medical Evacuation (Applicable for Superior and Premiere plan)
  • Avail for Child Vaccination Benefits and Medical Treatment Abroad (Applicable for Premiere Plan).
  • Long term policy discount in case Policy Term is more than 1 year.
  • Discount of 10% to 25% on premium as per the voluntary deductible and plan opted.
  • No loading on premium for adverse claims experience.
  • Tax exemption U/S 80D of the Income Tax Act.
  • Instalment payment is available monthly, quarterly and half yearly in case policies opted for long term basis.


Room Rent Limit
Reimbursement of Expenses.
ICU Daily Rent Limit
Reimbursement of Expenses.
Pre-Hospitalization Expenses
60 Days
Post Hospitalization Expenses
90/120/180 (As per the plan)
Minimum Hospitalization Period
24 hrs
Day Care Procedure Coverage
131 procedures covered
Automatic Restoration of Sum Insured
Upto 100%
Pre-Existing Disease / Illness coverage
After 36 months
Waiting Period for New Policy
30 days
20% (Age 60 to 64 Yrs),25% (Age 65 to 69 Yrs),30%(Age 70 to 74 Yrs),40%(Age 75 to 99 Yrs)
Medical Screening
51 years and above ( Vital plan) 18 years and above (Superior & Premiere Plans).
Ambulance Expenses
Rs.1500/2000/5000 (As per the plan)
Non-Allopathic Treatments
New Born Baby Cover
Daily Hospitalization Allowance
Rs.350/500/100 per day (As per the plan).
Donor Expenses
Attendant Allowance
Rs.500 max.upto 30 Days ( upto 12 yrs)
Nursing Allowance
Upto 10% of S.I
No Claim Bonus
50% upto max.100%