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What is Health Unlimited?

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.

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

Room Rent Limit – Normal

Single Pvt Room

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

Day Care Treatment Expenses

Up to SI

Pre-Hospitalization Medical Expenses

60 Days

Post-Hospitalization Medical Expenses

90 Days

180 Days

Organ Donor Expenses

Up to SI

Modern Treatment Methods & Advancement in Technologies

Up to SI

AYUSH Treatment

Up to SI

Maternity Expenses

(Waiting-36 Months)

Normal

Not Applicable

₹ 40K

₹ 50K

₹ 90K

₹ 1.15 Lac

₹ 1.35 Lac

C-Section

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

Emergency Road Ambulance

Up to SI

Emergency Medical Evacuation

Not Applicable

₹ 2.5 Lac

₹ 5 Lac

Home Healthcare Expenses

25% of SI; Max up to ₹ 10 Lac

OPD Treatment

₹ 5 K

₹ 7.5 K

₹ 10 K

Consultations and Diagnostics are covered

30% Co-Pay applicable.

Medical Second Opinion (Per Policy Year)

Twice

Medical Treatment Abroad - for 8 major illness

(Waiting-36 Months)

Not Applicable

Up to SI

Wellness Benefits

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

Unlimited Restoration of Sum Insured

Available

Unlimited Restoration shall trigger from the 2^nd 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

₹ 10 Lac

Inflation Guard

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

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

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

₹ 50K/75K/1 Lac

₹ 1 Lac/ 3 Lac/ 5 Lac

Consumables / Non-Medical Expenses Cover

Up to SI

Mandatory Co-Pay Waiver

Available

GC Insure App

Get all Wellness Benefits by downloading our app.

Mobile number ^* Please Enter a phone number

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

What is Generali Central's "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.

Is there any age limit for getting covered under Health Unlimited?

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

What are the sum insured options available under Health Unlimited?

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.

What does Health Unlimited include?

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.

What is not covered in Health Unlimited?

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

How can I buy Health Unlimited?

You can buy Health Unlimited 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.

Are there any optional covers available with Health Unlimited?

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.

How do cashless claims work with Health Unlimited?

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.

Is there a waiting period for maternity benefits under Health Unlimited?

Yes, maternity benefits are subject to a waiting period of 36 months before coverage kicks in.

Where can I contact in case of a claim?

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.

Are there any discounts applicable in Health Unlimited?

Yes, you can enjoy a 5% discount on premiums if you purchase Health Unlimited online.

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PRODUCT NAME: HEALTH UNLIMITED | UIN NO: FGIHLIP26041V012526 | 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.

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What is Health Unlimited?

Benefits of Buying Health Unlimited Online

Individual and Family Floater Plans

24/7 Availability

Transparent Information

Instant Policy Issuance

User-Friendly Interface

Secure Transactions

Why Choose Generali Central’s “Health Unlimited”?

Inclusions:

Optional covers

Exclusions:

GC Insure App

Factors Affecting Health Insurance Premiums

Things to Consider While Buying Health Unlimited

Why is Health Unlimited Important?

How to Buy Health Insurance Online?

Get a quick quote

Fill the form

Pay and get your policy

GCI Pocket Clinic

Steps to Claim Health Unlimited

For a reimbursement claim, follow these steps:

FAQs about Health Unlimited

Need to know more about Health Insurance?

Share your details

Thank you for your interest!

Download documents