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Future Generali Health Insurance Premium Calculator
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Future Generali Health Insurance Premium Calculator

Serving the insurance segment quite a long from now, Future Generali India Insurance Company is one of the renowned names. The insurer offers many types of insurance solutions. Based on specific insurance goals of customers, health insurance products can be picked from the company. The company offers health insurance for individuals, families, senior citizens, group etc. However, before investing in a plan, one can estimate the premiums to be paid. It is done using the Future Generali health insurance premium calculator.

Why is the Future Generali Health Insurance Premium Calculator Important?

In a competitive landscape of numerous insurance products, it is overwhelming to pick the best insurance product out of the lot. Only the specific needs of a person can determine if an insurance product is suitable for them. The Future Generali health insurance premium calculator can help customers determine if an insurance product is beneficial for them.

When estimating the benefits of health insurance, an estimation of the premium to be paid is one of the defining factors to choose a policy. The Future Generali health insurance calculator helps to determine this estimate. In short, premium calculators help in understanding how much amount is needed every month or annually towards an insurance policy.

What are the Benefits of Using Future Generali Health Insurance Premium Calculator?

Future Generali health insurance premium calculator helps to understand how the insurer has finalized the health insurance premiums. Although, multiple factors determine the setting of the premiums or surge in premium rates depending on the type of policy; largely – premiums are specific to insurance companies. Two insurance companies having the same kind of insurance product may or may not have the same premium spread across the policy term.

The following are some of the benefits of the premium calculator from Future Generali.

  • It simplifies the health insurance premium calculations providing a quick quote to the buyer of the policy.
  • It provides knowledge of the tentative amount that the buyer has to bear towards insurance premium so that it can help the buyer to create a financial schedule.
  • Using Future Generali health insurance premium calculator regularly can help assess several other insurance products from this company. It can assist buyers in purchase decisions by comparing many insurance policies from the insurer.

Factors Affecting Future Generali Health Insurance Premium Calculation

The premiums of Future Generali health insurance policies are calculated based on certain factors. These usually include the following:

  • Policy Validation – Future Generali offers many types of insurance products. It could be individual insurance policies or group insurance policies. When deciding a premium spread, the insurer calculates it based on the risk involved. On the basis of the risk analysis component, different policies can have specific criteria with reference to eligibility or medical coverage provided.
  • Medical History – The insurer considers the medical history of the person. This includes the assessment of smoking or drinking habits and age at the time of taking the policy.
  • Age of the Insured: Age is an important factor that directly affects health insurance premium. With age, health insurance premiums tend to be higher considering the risk appetite of a person.
  • Type of Policy: There are multiple policy options one can go for and thus premium varies depending on the type chosen. An individual policy can cost you more if you want to cover each member of the policy. In that case, a family floater plan comes in handy and becomes less expensive than an individual one.

What are the Advantages of Future Generali Health Insurance Plans?

The following benefits are attached with a Future Generali Health Insurance Plan:

Premium Benefit Waiver

If the insured is diagnosed with a minor or moderate health condition that is part of a pre-defined list, then the premiums for the insured are waived for five years.

Low Premium-high Coverage Ratio

A 35-year-old person can get a critical illness cover of Rs 10 lakh for a decade for a monthly premium payment of just Rs 447 including taxes.

Buy Individual Policies

The low premium advantage allows for buying individual policies for oneself as well as dependents, including parents, spouse and children. Although group medical health insurance covers are there, taking individual policies can provide more comprehensive coverage for all members of the family. Using the Future Generali health insurance calculator, one can calculate the premium spread for family members.

Flexibility to Choose a Cover

There are many covers integrated into a health insurance product. Heart cover, critical illness cover etc. are some of them. These covers have a return on the premium benefits associated as tax benefits. The insured can choose which component to retain in their health plan.

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Written By: Paisawiki - Updated: 30 September 2020

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