Health Elite Insurance is specifically designed to meet the needs of High-Net-Worth Individuals. It gives you access to premium healthcare services and well-being benefits that are not present in a standard health insurance plan.

You can opt for these sum insured options on individual and floater sum insured basis - ₹75 L, ₹1 Cr, ₹1.5 Cr, ₹2 Cr, ₹2.5 Cr, ₹3 Cr, ₹3.5 Cr, ₹4 Cr, ₹4.5 Cr, ₹5 Cr, ₹5.5 Cr, ₹6 Cr

Health Elite is available for 1, 2, and 3 years.

This Policy is available to all the Insured Persons who are Indian Nationals and are resident of India at inception of the Policy and at subsequent renewals of this Policy. If there is change in the resident status, then insured is required to inform Us in writing at renewal.

The minimum age of entry is 91 days and the maximum is 65 years. However, renewal can be lifelong.

A ‘family’ can include Self, Spouse/ Live-In Partner, Children, Parents, Parents-in-law, Dependent Siblings, Daughter-in-law, Son-in-law, Grandparents, and Grandchildren. You can insure a maximum of 15 members under one policy on either individual or floater sum insured basis.

Yes, all insured above 18 years need to undergo pre-policy check-ups.

Yes, you can get a 10% family discount under Individual Generali Central Health Elite in case insured members are more than one under a single policy. No family discount is available for the floater policy.

• For an individual policy, it is calculated according to the age band and the sum insured.
• For family floater, the premium for the primary insured is according to the numbers in the individual table.
• For remaining dependent members, you can check floater discounts in the table below.

Single sum insured is offered for medical expenses within India and outside India.

• Outside India medical expenses are covered as follows -
• i. Medical treatment abroad (excluding USA and Canada) includes

• Listed Critical Illnesses Treatment

• Emergency Treatments

• ii. Emergency ambulance expenses
• iii. Repatriation of mortal remains

The insured has the option to extend the scope of Benefit 2 (Medical Treatment abroad), Benefit 3 (Emergency Ambulance Expenses) and Benefit 14 (Repatriation of mortal remains) to include USA and Canada –

• at inception, or

• on renewal, by paying an additional premium

The option to include USA and Canada covers is available for insured persons – for both individual and floater sum insured options. Once you opt for this, there will be a lock-in period of 3 years.

• a) For the Listed Critical Illness Treatment section, the insured person needs to inform us or our assistance service provider before going for medical treatment abroad. Our assistance service needs 7 working days to confirm this claim and coordinate with the hospitals.
• b) For Emergency Treatment section, you need to inform us or our assistance service provider in 2 days from the date the illness or injury occurs or when you are admitted to the hospital, whichever is earlier.

Claims for both road and air ambulance services can be made if we have approved a claim for the same illness or injury under Benefit 1 (Hospitalization Expenses) and Benefit 2 (Medical Treatment Abroad). You can avail this benefit up to the sublimit specified under the policy. 

• Road ambulance services of a hospital or a registered service provider are available to transport the insured -

• i. from place of residence or the place where the injury has happened to the nearest hospital and;
• ii. from one hospital to another, if the transportation is medically necessary.

• Air ambulance of a hospital or a registered service provider is available for the insured’s necessary medical evacuation in an emergency, if-

• i. The evacuation is recommended and certified by a medical provider
• ii. We or our assistance service provider has approved these medical expenses You can use the ambulance service for transportation within the country only. We do not pay for transportation between countries.

We will cover the cost of insured persons prescribed spectacles /contact lenses and hearing aids, up to the sub limits specified under the policy. You can avail these benefits every alternate policy year.

All insured persons above 18 years of age can avail the wellness benefits. The insured must register on the Generali CentraI mobile app with their mobile number and the policy number for enjoying these benefits.

• 1) The points earned will float among all members of the family irrespective of the persons who earned the points.
• 2) Points earned in first year can be carried forward to the 2nd or 3rd year in case of long term policies.
• 3)You can burn the points for using these benefits - i. When you avail out-patient consultations through the Wellness Partner network clinics
• ii. When you take diagnostic and preventive tests through the Wellness Partner network clinics
• iii. When you purchase prescribed medicines through an online pharmacy that has a tie-up with our Wellness Partner
• iv. When you claim reimbursement of non-medical expenses under Benefit 1 (Hospitalization Expenses)
• v. When you get a renewal discount

• The policy holder can use the balance reward points to get a discount on the premium when they renew the policy.
• If the insured does not opt for renewal discount, then they can redeem the wellness reward points for OPD consultations/diagnostics tests and/or purchasing prescribed medicines through our Wellness Partners. This is applicable for a period of up to 3 months from the policy expiry date.

• Here is how you can file your claim in minutes:
• 6. Visit the insurance desk of your nearest Generali Central Network Hospital and show your health card for Cashless Treatment
• 7. The Network Hospital will verify your identity and submit the pre-authorization form to Generali Central
• 8. You get admitted without any deposit and enjoy cashless treatment
• 9. Once you are discharged, the hospital will send your claim documents to Generali Central and we will directly settle the amount with the hospital

• Our claim settlement process is fast and reliable:
• 5. When you are discharged, pay all hospital bills and collect all original documents of your treatment and bills
• 6. Download the Generali Central health claim form and fill it
• 7. Submit original documents to the nearest Generali Central branch
• 8. We will settle the claim as per the policy terms and conditions