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What is Health Vital?
Health Vital is a health insurance product designed to provide affordable and accessible health coverage to everyone. It provides financial protection against unexpected medical expenses, ensuring you can receive the necessary medical care without worrying about high bills.
At Generali Central, we believe health insurance does not have to be a luxury. This is why we offer affordable premiums designed to fit everyone's budget and income levels. With Health Vital, we ensure more people can afford to protect their health and well-being through comprehensive insurance coverage.
Whether it's regular check-ups, emergencies, or hospitalizations, Health Vital provides peace of mind and financial security, so you can focus on recovery. By offering essential coverage at affordable premiums, Health Vital ensures everyone has access to basic healthcare services when needed most.
Get coverage for doctor consultations, diagnostic tests, hospital stays, prescription medications, maternity, and more at affordable premiums.
Features of Health Vital
Essential Coverage
Health Vital offers extensive coverage for a wide range of medical expenses, ensuring financial protection during health emergencies, hospitalizations, surgeries, and more. This provides peace of mind for planned and unforeseen medical needs.
Affordable Premiums
Designed with affordability in mind, Health Vital offers competitive premiums to suit every budget. We ensure securing adequate health insurance coverage is accessible for individuals and families without straining their finances.
Individual and Family Floater Plans
Health Vital comes with the flexibility of both individual health insurance plans and family floater plans. Individual plans cater specifically to the insured person, while family floater plans cover the entire family under a single policy, ensuring convenience and cost-effectiveness.
Premium Installment Facility
With Health Vital, you can enjoy flexible premium payment options. Choose from a wide range of installment facilities such as single payment, half-yearly, quarterly, or monthly payments for long-term policies. This flexibility allows you to manage your budget effectively without compromising on the coverage.
Loading on Claim Experience
We do not impose any additional premium based on claim history or adverse claims experience. This ensures you pay a fair amount, regardless of previous claims.
Tax Benefits
Premiums paid for Health Vital by any mode other than cash and demand draft are eligible for tax benefits under Section 80D of the Income Tax Act. This allows you to reduce your tax liability while enjoying coverage against unforeseen medical expenses.
Benefits of Buying Health Vital Online
15% Online Discount
You get 15% online discount on the premium if you buy from our website directly
24/7 Availability
Unlike a physical branch, you can buy the health insurance plan online at any time of the day. This is particularly helpful for busy professionals and individuals with demanding schedules. Through an online platform, you can easily identify and buy the most suitable health insurance plan instantly without being restricted by office hours.
Transparent Information
Buying Health Vital online is easy and convenient. You can access comprehensive and transparent information about the insurance plans right on our website, including details for coverage, exclusions, terms and conditions, premium calculations, etc. This empowers you to make informed decisions based on your specific needs and budget.
Instant Policy Issuance
When you buy Health Vital online, you don't have to wait for days or weeks to receive the policy documents. Once your online application and payment are processed, you will instantly receive the policy documents in your inbox. This eliminates the hassle of lengthy paperwork, providing immediate coverage and peace of mind.
User-Friendly Interface
Generali Central offers a user-friendly interface that guides you through the insurance process step-by-step. This makes it easier to navigate and complete your online purchase quickly.
Secure Transactions
We've implemented strict security measures on our platform to ensure your personal and financial information remains confidential and protected. We also use secure payment gateways to process all transactions securely.
15% Online Discount
You get 15% online discount on the premium if you buy from our website directly
24/7 Availability
Unlike a physical branch, you can buy the health insurance plan online at any time of the day. This is particularly helpful for busy professionals and individuals with demanding schedules. Through an online platform, you can easily identify and buy the most suitable health insurance plan instantly without being restricted by office hours.
Transparent Information
Buying Health Vital online is easy and convenient. You can access comprehensive and transparent information about the insurance plans right on our website, including details for coverage, exclusions, terms and conditions, premium calculations, etc. This empowers you to make informed decisions based on your specific needs and budget.
Instant Policy Issuance
When you buy Health Vital online, you don't have to wait for days or weeks to receive the policy documents. Once your online application and payment are processed, you will instantly receive the policy documents in your inbox. This eliminates the hassle of lengthy paperwork, providing immediate coverage and peace of mind.
User-Friendly Interface
Generali Central offers a user-friendly interface that guides you through the insurance process step-by-step. This makes it easier to navigate and complete your online purchase quickly.
Secure Transactions
We've implemented strict security measures on our platform to ensure your personal and financial information remains confidential and protected. We also use secure payment gateways to process all transactions securely.
Why Choose Generali Central’s “Health Vital”?
Flexible Sum Insured
Generali Central’s “Health Vital” offers sum insured options, including 5 lakhs, 10 lakhs, and 15 lakhs. It is a basic health insurance plan that ensures you and your family have adequate financial protection against unforeseen medical costs.
Essential Coverage
Health Vital provides essential coverage for inpatient treatments, diagnostics, surgeries, AYUSH and Modern Treatments. This ensures you are protected against a wide range of medical conditions and healthcare needs, offering peace of mind.
Cashless Claims
Generali Central offers cashless claims at network hospitals, allowing you to get the necessary medical care without paying upfront. This eliminates financial stress during medical emergencies, ensuring quick access to quality healthcare services.
Affordable Premiums
Health Vital is designed with affordability in mind, offering competitive premiums to suit different budgets and income levels. We aim to secure you with essential health insurance coverage without compromising on benefits or quality of service.
One Cover for Entire Family
With Health Vital, you can avail of a family floater plan to cover the entire family under a single policy. This eliminates the hassle of managing multiple policies, ensuring your loved ones are secure against unforeseen events.
Tax Benefits
The premiums you pay for your Health Vital plan are eligible for tax benefits under Section 80D of the Income Tax Act. This allows you to lower your tax liability and enjoy better cost optimization.
What is Covered by Generali Central’s “Health Vital”?
Health Vital provides essential coverage for you, your spouse, live-in partner, up to 3 dependent children, parents, and parents-in-law. The product comes with a minimum policy term of 1 year and a maximum policy term of 3 years. Here are the inclusions and exclusions of Health Vital:
Inclusions:
In-patient Hospitalization
Vital covers expenses for illnesses or injuries requiring hospitalization for more than 24 hours. This includes room rent, nursing charges, doctor's fees, and related medical expenses.
Day Care Treatment
The policy covers 530 listed daycare procedures that do not require 24-hour hospitalization.
Diseases and Procedures
Health Vital covers a wide range of diseases and medical procedures with Sublimits per policy year, such as: Cataract Lasik
Pre and Post Hospitalization Medical Expenses
Expenses incurred before and after hospitalization, up to 30 days before admission, and 30 days after discharge are also covered under Health Vital.
Modern Treatment Method and Advancement in Technologies
Our coverage includes expenses for modern treatment methods, ensuring access to advanced medical care.
AYUSH Treatment
Health Vital offers coverage for AYUSH (Ayurveda, Yoga, Naturopathy, Unani, Siddha, and Homeopathy) treatments, providing holistic healthcare options.
Emergency Road Ambulance
We cover expenses for emergency transportation by road ambulance to the nearest hospital, ensuring you receive immediate medical attention in times of need.
Maternity Expenses
Health Vital covers maternity expenses, with a maximum limit of 2 maternity claims during the lifetime of the insured.
Cumulative Bonus
Policyholders can get a cumulative bonus of 10% for each claim-free year, up to a maximum accumulation of 100%.
Consumables/Non-Medical Expenses Cover
You can opt for an optional cover for consumables and non-medical expenses to enhance your policy coverage.
Exclusions:
Health Vital does not cover the following:
Injuries or illnesses directly or indirectly caused by war, invasion, acts of foreign enemies, or war-like operations (whether declared or not).- Circumcision, unless medically necessary for the treatment of an illness or due to an accident.
- Venereal or sexually transmitted diseases, excluding HIV/AIDS.
- External congenital anomalies and related illnesses or defects.
- Injuries or illnesses directly or indirectly caused or contributed to by nuclear weapons or materials.
- Stem cell storage.
- Non-prescribed drugs, medical supplies, or hormone replacement therapy.
- Personal comfort items or services, including television, telephone, barber or guest services, and similar incidental services and supplies.
- Pre- and post-natal care.
Plans that we offer Health Vital
| S.No. | Benefits | Sum Insured | ||
Base Coverage | ||||
| Rs. 5 lakh Sum Insured | Rs. 10 lakh Sum insured | Rs. 15 lakh Sum insured | ||
| 1 | In-patient hospitalization | Up to Sum Insured | Up to Sum Insured | Up to Sum Insured |
| 2 | Room rent limit | |||
| Normal room | Rs. 5,000 per day | Rs. 10,000 per day | Rs. 10,000 per day | |
| ICU | Rs. 7,500 per day | Rs. 15,000 per day | Rs. 15,000 per day | |
| 3 | Disease/Procedure | |||
| Cataract (per eye) | Rs. 25,000 | Rs. 35,000 | Rs. 50,000 | |
| Lasik (per eye) | Rs. 25,000 | Rs. 35,000 | Rs. 50,000 | |
| Normal delivery | Rs. 25,000 | Rs. 35,000 | Rs. 50,000 | |
| ENT disorder | Rs. 25,000 | Rs. 35,000 | Rs. 50,000 | |
| Infectious/fever disorders | Rs. 30,000 | Rs. 40,000 | Rs. 50,000 | |
| Liver disorder (No cap on transplant) | Rs. 30,000 | Rs. 45,000 | Rs. 60,000 | |
| Lung disorder (No cap on transplant) | Rs. 30,000 | Rs. 45,000 | Rs. 60,000 | |
| Kidney disorder (No cap on transplant) | Rs. 30,000 | Rs. 45,000 | Rs. 60,000 | |
| Appendix related disorder | Rs. 30,000 | Rs. 45,000 | Rs. 60,000 | |
| Kidney stone-related disorder | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| Gallbladder stone-related disorder | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| Hernia | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| Hysterectomy | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| Musculoskeletal disorder | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| Spinal/cerebrovascular/neurological disorder | Rs. 75,000 | Rs. 1,00,000 | Rs. 1,50,000 | |
| Bariatric surgery | Rs. 75,000 | Rs. 1,00,000 | Rs. 1,50,000 | |
| Cancer | Rs. 1,00,000 | Rs. 1,50,000 | Rs. 2,00,000 | |
| Angioplasty including angiography | Rs. 1,25,000 | Rs. 1,50,000 | Rs. 2,00,000 | |
| Joint replacement (per joint) | Rs. 1,50,000 | Rs. 2,00,000 | Rs. 2,50,000 | |
| CABG/any other cardiac surgery | Rs. 1,50,000 | Rs. 2,00,000 | Rs. 2,50,000 | |
| Mental/psychiatric disorders | Rs. 30,000 | Rs. 45,000 | Rs. 60,000 | |
| Internal congenital anomalies (not included in the above procedures/diseases) | Rs. 50,000 | Rs. 75,000 | Rs. 1,00,000 | |
| 4 | Day Care Treatment | Disease wise sublimit shall be applicable for the listed diseases/ procedures. | ||
| 5 | Pre-hospitalization expenses | 30 days | 30 days | 30 days |
| 6 | Post-hospitalization expenses | 30 days | 30 days | 30 days |
| 7 | Modern treatment methods | Disease-wise sublimit or 50% of S.I., whichever is lower | Disease-wise sublimit or 50% of S.I., whichever is lower | Disease-wise sublimit or 50% of S.I., whichever is lower |
| 8 | AYUSH treatment | Disease-wise sublimit or up to the S.I., whichever is lower | Disease-wise sublimit or up to the S.I., whichever is lower | Disease-wise sublimit or up to the S.I., whichever is lower |
| 9 | Maternity expenses | As per sublimit for a maximum of 2 maternity claims in a lifetime | As per sublimit for a maximum of 2 maternity claims in a lifetime | As per sublimit for a maximum of 2 maternity claims in a lifetime |
| 10 | Cumulative bonus | 10% for each claim-free year, up to 100% | 10% for each claim-free year, up to 100% | 10% for each claim-free year, up to 100% |
| 11 | Emergency Road Ambulance | Rs. 3,000 per event | Rs. 5,000 per event | Rs. 5,000 per event |
| Optional Coverage | ||||
| 1 | Consumables/non-medical expenses | Covered | Covered | Covered |
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Factors Affecting Health Insurance Premiums
Age
The age of the policyholder is one of the most significant factors affecting health insurance premiums. This is because older individuals are typically more prone to health issues and may require more frequent medical care. This can lead to higher premiums for them. On the other hand, younger policyholders pay lower premiums as they are less likely to require frequent medical treatments.
Health Status
Your current health condition also plays a crucial role in determining premiums. Individuals with pre-existing medical conditions or chronic illnesses may have to pay higher premiums as they have a higher likelihood of requiring medical attention. In some situations, certain pre-existing conditions may be excluded or come with a waiting period
Lifestyle Factors
Lifestyle choices such as smoking, alcohol consumption, and participation in high-risk activities can impact health insurance premiums. This is because these activities usually have high health risks. Similarly, individuals working in hazardous occupations or engaging in extreme sports may also pay higher premiums.
Sum Insured
The sum insured, or the coverage amount you choose directly affects the premiums. A higher sum insured provides greater protection against medical expenses, leading to higher premiums. Similarly, a lower sum insured may come with lower premiums but with reduced benefits.
Type of Plan
The type of plan you opt for also affects the premiums. Comprehensive plans that cover a wide range of medical expenses, including hospitalization, surgeries, and critical illnesses, generally have higher premiums compared to basic plans that offer limited coverage.
Family Size
For family floater plans, premiums depend on the number of members covered under the policy. Plans covering larger families or including elderly members typically attract higher premiums due to increased healthcare needs
Medical History
If you have a medical history or any pre-existing conditions, you'll have to pay a higher premium. This is because insurers consider past claims, hospitalizations, and medical treatments when assessing risk.
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 Vital
Coverage Needs
Make sure to carefully evaluate the different coverage offered by Health Vital to find one that best fits your healthcare requirements. Consider factors such as the sum insured, inclusions, and exclusions to make an informed decision.
Premium Affordability
Health Vital is designed to offer affordable premiums, making health insurance accessible for everyone. While buying a plan, make sure to verify the premium amounts and select from the multiple premium payment options to ensure better affordability.
Additional Benefits
Health Vital offers optional consumables/non-medical expenses coverage. Review your healthcare needs carefully to determine if you should opt for the cover.
Waiting Periods
It is important to understand the waiting periods for different situations to avoid any hassle later. Here are the different waiting periods under Health Vital:
| 1 | Initial Waiting Period | 30 Days | |
| 2 | Pre-existing Waiting Period | 36 Months | |
| 3 | Specific Disease waiting Periods | 24 Months | |
| S.No. | Diseases / Procedures | ||
| 1 | Benign ENT disorders | ||
| 2 | Tonsillectomy | ||
| 3 | Adenoidectomy | ||
| 4 | Mastoidectomy | ||
| 5 | Tympanoplasty | ||
| 6 | Hysterectomy | ||
| 7 | All internal and external benign tumours, cysts, polyps of any kind, including benign breast lumps | ||
| 8 | Benign prostate hypertrophy | ||
| 9 | Cataract and age-related eye ailments | ||
| 10 | Gastric/duodenal ulcer | ||
| 11 | Gout and rheumatism | ||
| 12 | Hernia of all types | ||
| 13 | Hydrocele | ||
| 14 | Non-infective arthritis | ||
| 15 | Piles, fissures, and fistula in anus | ||
| 16 | Pilonidal sinus, sinusitis, and related disorders | ||
| 17 | Prolapse inter vertebral disc and spinal diseases unless arising from accident | ||
| 18 | Calculi in urinary system, gallbladder, and bile duct, excluding malignancy | ||
| 19 | Varicose veins and varicose ulcers | ||
| 20 | LASIK surgery | ||
| 36 Months | |||
| Sr. No. | Diseases / Procedures | ||
| 1 | Treatment for joint replacement unless arising from accident | ||
| 2 | Age-related osteoarthritis and osteoporosis | ||
| 3 | Maternity expenses | ||
| 4 | Bariatric surgery | ||
Why is Health Vital Important?
Health emergencies can arise at any time. Generali Central's Health Vital safeguards your well-being and financial health in times of unexpected medical expenses. Having essential health insurance coverage ensures you receive timely medical treatment without worrying about high bills.
Health Vital offers peace of mind by providing coverage for hospitalization, surgeries, and other medical treatments. It ensures easy and affordable access to quality healthcare through low premiums, a wide network of hospitals, and cashless claim settlements.
Moreover, Health Vital covers pre and post-hospitalization expenses, protecting your health and well-being. With rising healthcare costs, it's important to invest in health insurance plans to manage medical bills comfortably without dipping into your savings. By choosing Health Vital, you can manage your healthcare needs and receive high-quality medical attention without the burden of high premiums.
How to Buy Health Insurance Online?
You can buy Health Vital Online by following three simple steps:
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
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 Vital
To make a cashless claim for Health Vital, follow these steps:
Visit Hospital
Approach the insurance desk of your nearest hospital from our network. Show them your health card for cashless treatment.
Verify Yourself
The hospital will verify your identity and submit a filled pre-authorization form with us.
Get Admitted
Get admitted to the hospital without any deposit and get cashless treatment.
Peace of Mind
Once you are discharged, the hospital will send the claim documents to us. We will settle the bill with the hospital directly.
For a reimbursement claim, follow these steps:
Collate Documents
After you are discharged from the hospital, pay all the bills and collect the original documents for the treatment and medical expenses.
Claim Form
Download and fill out the “Health Vital” claim form.
Document Submission
Submit the original documents to your nearest branch.
Claim Settlement
We will settle the claim as per the terms and conditions of the policy.
FAQs about Health Vital
Health Vital is a health insurance policy offered by Generali Central that provides essential coverage for medical expenses at affordable premiums. It covers hospitalization, surgeries, and more.
Yes, the minimum age to be covered under Health Vital is 1 day and the maximum age is 60 years. However, renewal of the policy can be lifelong.
With Health Vital, you can opt from three sum insured - Rs. 5 lakhs, Rs. 10 lakhs, and Rs. 15 lakhs.
Health Vital covers In-Patient Hospitalization, Day Care Treatments, Pre and post-hospitalization Expenses, Modern Treatment Methods, AYUSH Treatments, Emergency Road Ambulance, Maternity Expenses, and Cumulative Bonus benefits.
Health Vital does not cover the following:
Injuries or illnesses directly or indirectly caused by war, invasion, acts of foreign enemies, or war-like operations (whether declared or not).- Circumcision, unless medically necessary for the treatment of an illness or due to an accident.
- Venereal or sexually transmitted diseases, excluding HIV/AIDS.
- External congenital anomalies and related illnesses or defects.
- Injuries or illnesses directly or indirectly caused or contributed to by nuclear weapons or materials.
- Stem cell storage.
- Non-prescribed drugs, medical supplies, or hormone replacement therapy.
- Personal comfort items or services, including television, telephone, barber or guest services, and similar incidental services and supplies.
- Pre- and post-natal care.
You can buy Health Vital online by following three simple steps:
- Get a quick quote: We only need some basic details to give you a quote.
- Fill in the form: Select a quote that suits you and fill in our proposal form. Answer some questions about your health.
- Pay and get your policy: Pay the premium and get your policy in your inbox.
Yes, Health Vital offers optional coverage for consumables/non-medical expenses, which can be added to enhance your policy coverage.
Health Vital offers cashless claim facilities at network hospitals. You can avail of treatment without paying upfront by presenting your health insurance card at the hospital's network desk. Once you are discharged, we will settle the bill directly with the hospital.
Yes, Health Vital has a waiting period of 36 months before you can avail of maternity benefits.
You can call on our 24-hour call center on 1800 103 8889 or Fax on 1800 103 9998. You can also drop us an email at GCIH@generalicentral.com
Yes, you can avail of the following discounts on Health Vital:
- Long-Term Discount: 7.5% on buying a 2-year policy and 10% on buying a 3-year policy.
Web sales / Telesales/Employee discount: 15% on the premium amount.
Need to know more about Health Insurance?
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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.
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PRODUCT NAME: HEALTH VITAL | UIN NO: GCIHLIP25038V022425 | LAUNCH DATE: 2ND AUGUST 2024
