Generali Central's Health Unlimited is a comprehensive health insurance plan designed to provide extensive coverage for you and your family. Unlike traditional health insurance policies that come with coverage limits and restrictions, Health Unlimited offers unlimited protection, ensuring you can access the care you need at any time.
Health Unlimited covers a wide range of medical expenses, including hospitalisations, surgeries, consultations, diagnostics, and even preventive care. With Health Unlimited, you don't have to worry about running out of coverage limits during medical emergencies or making additional out-of-pocket payments. The policy covers everything, so you can focus on recovery and enjoy peace of mind.
With Health Unlimited, you can access a wide network of hospitals to receive medical attention whenever you need it. The plan covers all minor and major healthcare needs, from routine doctor visits to critical care and surgery. Health Unlimited also provides added benefits like cashless hospitalisation, wellness benefits, and maternity coverage, making it ideal for individuals, couples, and families
Benefits of Buying Health Unlimited Online
Individual and Family Floater Plans
Health Unlimited offers flexible plan options to meet the coverage needs of both individual policyholders and families. You can cover your spouse, children under the family floater plan. For parents, you can take a separate floater policy policy. This makes it a cost-effective solution, ensuring peace of mind for all.
24/7 Availability
By purchasing Health Unlimited online, you can complete your purchase anytime, anywhere. The platform is available 24/7, allowing you to buy health insurance at your convenience from the comfort of your home.
Transparent Information
Get complete and transparent information about the Health Unlimited plan without relying on agents or third-party platforms. Check all the details about coverage options, premium costs, and policy terms to make an informed decision.
Instant Policy Issuance
Once you complete the payment, we will instantly share your Health Unlimited policy in your inbox. No need to wait for days or lengthy paperwork. You can access your policy documents immediately and have peace of mind knowing that your coverage is active from the moment you purchase.
User-Friendly Interface
Generali Central's website is designed for ease of use. Whether you are familiar with insurance or new to the process, our user-friendly design helps you navigate the process without any hassle.
Secure Transactions
When you buy Health Unlimited online, you can rest assured that your personal and payment information is safe. Generali Central uses advanced security measures to protect your data and ensure secure transactions.
Individual and Family Floater Plans
Health Unlimited offers flexible plan options to meet the coverage needs of both individual policyholders and families. You can cover your spouse, children under the family floater plan. For parents, you can take a separate floater policy policy. This makes it a cost-effective solution, ensuring peace of mind for all.
24/7 Availability
By purchasing Health Unlimited online, you can complete your purchase anytime, anywhere. The platform is available 24/7, allowing you to buy health insurance at your convenience from the comfort of your home.
Transparent Information
Get complete and transparent information about the Health Unlimited plan without relying on agents or third-party platforms. Check all the details about coverage options, premium costs, and policy terms to make an informed decision.
Instant Policy Issuance
Once you complete the payment, we will instantly share your Health Unlimited policy in your inbox. No need to wait for days or lengthy paperwork. You can access your policy documents immediately and have peace of mind knowing that your coverage is active from the moment you purchase.
User-Friendly Interface
Generali Central's website is designed for ease of use. Whether you are familiar with insurance or new to the process, our user-friendly design helps you navigate the process without any hassle.
Secure Transactions
When you buy Health Unlimited online, you can rest assured that your personal and payment information is safe. Generali Central uses advanced security measures to protect your data and ensure secure transactions.
Why Choose Generali Central’s “Health Unlimited”?
Higher Sum Insured
Generali Central's Health Unlimited offers a high sum insured option of up to Rs. 2 crore. This ensures you and your loved ones are covered for major medical expenses, including hospitalisation, surgeries, and critical care. A higher sum insured provides financial security, giving you peace of mind knowing that you're well protected.
Wellness Benefits
Health Unlimited goes beyond covering medical expenses; it promotes overall well-being. The plan includes expert wellness assessments, content, and reward points. These benefits help you monitor your health, access valuable health insights, and earn rewards for maintaining a healthy lifestyle.
Cashless Claims
Health Unlimited's cashless claims facility ensures a simple and hassle-free claims process. You can receive treatment at any network hospital without worrying about upfront payments. We will settle the bill directly with the hospital so you can focus on recovery without any financial stress.
Holistic Coverage
With Health Unlimited, you can get comprehensive protection for physical and mental wellness. The plan provides coverage for medical emergencies and mental health support.
Unlimited Restoration of Sum Insured
Health Unlimited offers an unlimited restoration of the sum insured. If your policy's coverage limit is used up due to a claim, the sum insured is restored to its full amount for future claims.
Inclusions:
In-patient Hospitalization
Health Unlimited covers expenses for treatment when you are admitted to a hospital for more than 24 hours.
Day Care Treatment
The plan covers treatments that do not require overnight hospitalisation, such as minor surgeries or procedures.
AYUSH Treatment
Get coverage for treatment through traditional alternative therapies like Ayurveda, Yoga, Unani, Siddha, and Homeopathy
Pre and Post Hospitalization Medical Expenses
Expenses incurred before and after hospitalization, up to 60 days, and 90/180 days after discharge are also covered under Health Unlimited.
Modern Treatment Method and Advancement in Technologies
It also covers advanced medical treatments and technologies, such as Uterine Artery Embolization and HIFU, Balloon Sinuplasty, deep brain stimulation, oral chemotherapy, etc.
Emergency Road Ambulance
The policy covers the cost of transportation by ambulance in an emergency.
Maternity Expenses
The plan covers expenses for maternity-related treatments, including delivery (normal or cesarean) and complications from miscarriage
Cumulative Bonus
You will receive a 50% increase in the sum insured for each claim-free year, rewarding you for not making any claims
Organ Donor Expenses
We take care of expenses related to organ transplantation, including organ harvesting and treatment.
Accidental Hospitalisation
If you are hospitalised due to an accident, you can get an additional 25% of the base sum insured, up to Rs. 10 lakh.
Emergency Medical Evacuation
We cover the expenses for transferring you to the nearest hospital in case of an emergency evacuation.
Home Healthcare Expenses
Get coverage of up to 25% of the sum insured (maximum Rs. 10 lakh) for medical treatment at home, such as nursing care or physiotherapy.
OPD Treatment
We take care of outpatient treatments, including doctor consultations and medications.
Medical Second Opinion
Health Unlimited covers the cost of consulting another medical expert for a second opinion on your diagnosis or treatment plan.
Medical Treatment Abroad
We also cover the expenses of medical treatments received outside India.
Wellness Benefits
Avail of complimentary health assessments, wellness content, and reward points for maintaining a healthy lifestyle.
Bariatric Surgery
The plan covers expenses for weight loss surgery, including related treatments.
Inflation Guard
Get protection against rising healthcare costs by increasing your coverage limit annually in line with medical inflation
Unlimited Restoration of the Sum Insured
If you exceed the limit, we will restore the entire sum insured so you can make future claims under the same policy.
Unlimited Cover
Once in the lifetime of the Policy & for any one claim, this benefit shall cover the claim for actual admissible amount.
Premium Pay Back
If there’s no OPD/ IPD Hospitalization claim in the preceding 4 consecutive Policy Years, then an amount equivalent to the 1st year base premium shall be utilized for discount of subsequent renewal premium in the 5th year. Such benefit shall be applicable only once in every block of 4 Policy years.
Optional covers
You can further enhance the coverage of your policy by choosing from these three optional covers:
Consumables / Non-medical Expenses Cover
Waiver of Mandatory Co-payment
Voluntary Deductible
Exclusions:
Health Unlimited does not cover the following:
Any unnatural cause of physical injury like alcohol, drug influence, etc.
Injury or illness caused in a war, invasion or other similar operations
Hormone or sex-change-related treatment
Non-prescribed drugs & medicines
Venereal /Sexually Transmitted disease other than HIV/AIDS
Stem cell storage.
Intentional self-injury
Sum Insured Available Under Health Unlimited
Base Covers
Sum Insured
₹ 7.5 Lac
₹ 10 Lac
₹ 15 Lac
₹ 25 Lac
₹ 50 Lac
₹ 100 Lac
₹ 200 Lac
In-Patient Hospitalization
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Room Rent Limit – Normal
Single Pvt Room
Single Pvt Room
Single Pvt Room
Up to SI
Up to SI
Up to SI
Up to SI
Single Pvt Room - means a single hospital room with/without an air-conditioned facility where a single patient is accommodated, and which has an attached toilet (lavatory and bath). The room should have the provision for accommodating an attendant. This excludes a suite room or executive suite room or any other rooms above the suite or executive suite category.
Room Rent Limit - ICU
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Day Care Treatment Expenses
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Pre-Hospitalization Medical Expenses
60 Days
60 Days
60 Days
60 Days
60 Days
60 Days
60 Days
Post-Hospitalization Medical Expenses
90 Days
90 Days
90 Days
180 Days
180 Days
180 Days
180 Days
Organ Donor Expenses
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Modern Treatment Methods & Advancement in Technologies
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
AYUSH Treatment
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Maternity Expenses
(Waiting-36 Months)
Normal
Not Applicable
Not Applicable
₹ 40K
₹ 50K
₹ 90K
₹ 1.15 Lac
₹ 1.35 Lac
C-Section
Not Applicable
Not Applicable
₹ 60K
₹ 80K
₹ 90K
₹ 1.15 Lac
₹ 1.35 Lac
Maternity Benefit is only available for Policyholder insured as Self and Policyholder’s Spouse/ Live in Partner as insured. Both the Self and Spouse should be covered for 36 months for this cover to be effective.
Accidental Hospitalization
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
Emergency Road Ambulance
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Emergency Medical Evacuation
Not Applicable
Not Applicable
Not Applicable
₹ 2.5 Lac
₹ 2.5 Lac
₹ 5 Lac
₹ 5 Lac
Home Healthcare Expenses
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
25% of SI; Max up to ₹ 10 Lac
OPD Treatment
₹ 5 K
₹ 5 K
₹ 5 K
₹ 7.5 K
₹ 10 K
₹ 10 K
₹ 10 K
Consultations and Diagnostics are covered
30% Co-Pay applicable.
Medical Second Opinion (Per Policy Year)
Twice
Twice
Twice
Twice
Twice
Twice
Twice
Medical Treatment Abroad - for 8 major illness
(Waiting-36 Months)
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Not Applicable
Up to SI
Up to SI
Wellness Benefits
Available
Available
Available
Available
Available
Available
Available
VAS & Loyalty Benefits
Points Earned per member per year
Value of Points Earned
185-200
20%
150-184
15%
100-149
5%
15-99
2%
Cumulative Bonus
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
50% per claim free policy year; max accumulation of 100%; CB shall be reduced by 50% in case of claims, subject to minimum amount of zero
Unlimited Restoration of Sum Insured
Available
Available
Available
Available
Available
Available
Available
Unlimited Restoration shall trigger from the 2nd Claim onwards after the exhaustion of Base SI, CB and Inflation Guard. The restore SI (100% of the Base SI) shall be applicable once per claim event. This benefit shall be available for both same and different illness.
Bariatric Surgery
(Waiting-36 months)
₹ 3.75 Lac
₹ 5 Lac
₹ 7.5 Lac
₹ 7.5 Lac
₹ 10 Lac
₹ 10 Lac
₹ 10 Lac
Inflation Guard
Available
Available
Available
Available
Available
Available
Available
An additional Sum Insured of 6% shall be made available in the renewed Policy after completion of each policy year, irrespective of claims. Maximum accumulation shall be up to 100% of the SI.
Unlimited Cover
Available
Available
Available
Available
Available
Available
Available
Once in the lifetime of the Policy & for any one claim, this benefit shall cover the claim for actual admissible amount.
Premium Pay Back
Available
Available
Available
Available
Available
Available
Available
If there’s no OPD/ IPD Hospitalization claim in the preceding 4 consecutive Policy Years, then an amount equivalent to the 1st year base premium shall be utilized for discount of subsequent renewal premium in the 5th year. Such benefit shall be applicable only once in every block of 4 Policy years.
Optional Covers
Voluntary Deductible (Annual Aggregate)
₹ 10K/25K/ 50K
₹ 10K/25K/ 50K
₹ 50K/75K/1 Lac
₹ 50K/75K/1 Lac
₹ 1 Lac/ 3 Lac/ 5 Lac
₹ 1 Lac/ 3 Lac/ 5 Lac
₹ 1 Lac/ 3 Lac/ 5 Lac
Consumables / Non-Medical Expenses Cover
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Up to SI
Mandatory Co-Pay Waiver
Available
Available
Available
Available
Available
Available
Available
GC Insure App
Get all Wellness Benefits by downloading our app.
Factors Affecting Health Insurance Premiums
Age
Age is one of the most significant factors affecting health insurance premiums. Younger individuals are typically considered healthier and less likely to file claims, resulting in lower premiums. However, as age increases, so does the likelihood of health issues. As a result, insurers typically charge higher premiums to cover the potential risks.
Gender
Insurance premiums can vary based on gender, as men and women have different medical needs. For example, women may have higher premiums during certain life stages due to maternity-related coverage.
Location
Where you live can significantly impact your health insurance premiums. Urban areas with higher healthcare costs typically result in higher premiums. On the other hand, people in semi-urban or rural areas may enjoy lower rates.
Medical History
Your personal and family medical history directly affects your premium. This is because insurers assess pre-existing conditions, chronic illnesses, or a history of hereditary diseases to determine the risk of future claims. As a result, individuals with a clean medical history may qualify for lower premiums.
Lifestyle
Lifestyle choices and habits, such as smoking, alcohol consumption, and activity levels, heavily impact your health insurance premium. High-risk behaviours like smoking or excessive drinking increase the risk of serious health conditions, such as cancer or heart disease, leading to higher premiums.
Family Size
If you are insuring multiple family members under a single policy, such as a family floater plan, the premium is calculated based on the age and health status of the oldest family member. Larger families generally have higher premiums due to the increased likelihood of claims.
Coverage Level
The level of coverage you choose has a direct impact on the premium. Policies with higher sum insured, additional riders, or comprehensive coverage will have higher premiums. Opting for basic coverage may lower premiums but could leave you underinsured in times of need.
Optional Add-ons
Additional benefits or riders such as maternity coverage, dental care, or critical illness riders increase premiums. These add-ons provide enhanced coverage but come at an additional cost.
Things to Consider While Buying Health Unlimited
Coverage Needs
Your coverage requirements are the most important factor when selecting a health insurance plan. Consider your medical history, family health risks, and lifestyle to determine the type of coverage you need. Make sure the policy aligns with your healthcare needs to make an informed decision.
Premium Affordability
While it's important to choose a plan that offers extensive benefits, it is important to ensure the premium fits your budget. Health Unlimited provides flexibility with premium payment options, such as monthly, quarterly, or annual payments, making it easier to manage your finances. Make sure you can comfortably afford the premiums in the long run to continue the coverage.
Additional Benefits
Health Unlimited goes beyond basic coverage by offering added perks like wellness programs, unlimited restoration of the sum insured, and unlimited coverage. These additional features enhance the value of the policy, allowing you to make the most of your premiums.
Waiting Periods
Health Unlimited has certain waiting periods before you can avail of the benefits. These include:
· Initial Waiting Period - 30 days
· Specific Waiting Period - 24 and 36 months
· Pre-existing Disease Waiting Period - 36 months
Why is Health Unlimited Important?
· Financial Security
Medical emergencies can arise anytime and often involve significant expenses. Health Unlimited provides extensive coverage, ensuring you are financially protected during challenging times. With a higher sum insured of up to ₹2 crores and unlimited restoration benefits, you can comfortably pay for medical expenses without dipping into your savings.
· Comprehensive Coverage
Health Unlimited goes beyond basic coverage by taking care of both your physical and mental health. It includes wellness programs, OPD treatments, and coverage for advanced treatments and technologies. This ensures you and your family receive the best care possible for routine consultations or unexpected medical emergencies.
· Peace of Mind
Health Unlimited provides peace of mind, knowing you and your loved ones are taken care of in times of need without any financial strain. We offer cashless claim options, transparent policies, and comprehensive plans so you don't have to worry about potential mishaps.
How to Buy Health Insurance Online?
You can buy Health Unlimited Online by following three simple steps:
1
Get a quick quote
We only need some basic details to give you a quote.
2
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
3
Pay and get your policy
Now pay the premium and get your policy in your inbox!
GCI Pocket Clinic
Get access to specialized doctor consultations right at your fingertips.
Steps to Claim Health Unlimited
To make a cashless claim for Health Unlimited, follow these steps:
1
Visit Hospital
Approach the insurance desk of your nearest hospital from our network. Show them your health card for cashless treatment.
2
Verify Yourself
The hospital will verify your identity and submit a filled pre-authorization form with us.
3
Get Admitted
Get admitted to the hospital without any deposit and get cashless treatment.
4
Peace of Mind
Once you are discharged, the hospital will send the claim documents to us. We will settle the bill directly with the hospital.
For a reimbursement claim, follow these steps:
1
Collate Documents
After you are discharged from the hospital, pay all the bills and collect the original documents for the treatment and medical expenses.
2
Claim Form
Download and fill out the “Health Unlimited” claim form.
3
Document Submission
Submit the original documents to your nearest branch.
4
Claim Settlement
We will settle the claim as per the terms and conditions of the policy.
FAQs about Health Unlimited
Health Unlimited is a comprehensive health insurance plan offering extensive coverage for medical expenses, including in-patient care, maternity expenses, mental wellness, OPD treatments, and modern treatment methods. It provides high sum insured options and additional wellness benefits for overall well-being.
Yes. To get covered under Health Unlimited, you must meet the following age criteria:
Adult: Minimum 18 years and maximum 65 years
Children: Minimum 91 days and maximum 25 years
With Health Unlimited, you can select from multiple sum insured options: Rs. 7.5 lakh, Rs. 10 lakh, Rs. 15 lakh, Rs. 25 lakh, Rs. 50 lakh, Rs. 1 crore, and Rs. 2 crore.
Health Unlimited includes in-patient hospitalisation, pre- and post-hospitalisation expenses, maternity expenses, OPD treatments, AYUSH treatments, modern procedures, emergency medical evacuation, home healthcare, and even treatment abroad.
Health Unlimited does not provide coverage for the following:
. Any unnatural cause of physical injury like alcohol, drug influence, etc.
· Injury or illness caused in a war, invasion or other similar operations
· Hormone or sex-change-related treatment
· Non-prescribed drugs & medicines
· Venereal /Sexually Transmitted disease other than HIV/AIDS
· Stem cell storage
· Intentional self-injury
You can buy Health Unlimited online by following three simple steps:
We only need some basic details to give you a quote.
Select a quote that suits you and fill in our proposal form. Answer some questions about your health.
Pay the premium and get your policy in your inbox.
Yes, optional covers include consumables/non-medical expenses cover, waiver of mandatory co-payment, and voluntary deductible, allowing you to customise the policy to fit your needs.
Cashless claims are available at all Generali Central network hospitals. All you need to do is present your health card at the time of admission to avail of the treatment. We will settle the bill directly with the hospital.
Yes, maternity benefits are subject to a waiting period of 36 months before coverage kicks in.
You can call our 24-hour call center at 1800 103 8889 or fax us at 1800 103 9998. You can also email us at GCIH@generalicentral.com.
Yes, you can enjoy a 5% discount on premiums if you purchase Health Unlimited online.
Need to know more about Health Insurance?
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Health Insurance
How GST Reform Affect Health Insurance Premiums?
The recent GST reforms have scrapped the 18% GST on health insurance. Learn how recent GST reforms affect health insurance premiums and more.
The recent GST reforms have brought relief for health insurance policyholders. Starting from 22nd September 2025, health insurance premiums will be completely exempted from tax liabilities, which currently stand at 18% GST. This reform was introduced after the 56th GST council meeting under the leadership of Finance Minister Nirmala Sitharaman.
As a policyholder or an individual looking to purchase a reliable health insurance policy, it is important to understand how GST reforms can affect the premium paid under a health insurance plan. Let’s get into the details.
Different Types of Health Insurance Policies in India
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PRODUCT NAME: HEALTH UNLIMITED | UIN NO: GCIHLIP26041V012526 | LAUNCH DATE: 12TH MAY 2025
Disclaimer:
^Unlimited Refills (Restoration Benefit) - Triggers from the 2nd claim onwards to restore S.I. up to base S.I. for unlimited times for same and different illnesses. ^Unlimited Coverage - Once in the lifetime of the policy and for any one claim, this benefit shall cover the claim for actual admissible amount. ^Inflation Guard - Additional S.I. at each renewal which can be accumulated up to a maximum of 100% of policy sum insured. ^Premium payback - Discount on renewal premium in the 5th year, equivalent to the 1st year base premium, if there’s no OPD/IPD hospitalization claim in the preceding 4 consecutive policy years. *T&C apply.
We only need some basic details to give you a quote.
