What is Health Xtra?

Health Xtra is a complete health insurance plan from Generali Central Insurance. It helps you protect your health and ensures you receive timely financial support during medical emergencies. Health Xtra covers more than just hospital bills. It takes care of a wide range of medical costs. Whether you need a regular check-up or treatment for a serious illness, Health Xtra is there to support you.

You can use the policy for doctor visits, tests, medicines, and even health check-ups. It also gives you access to wellness programs that help you stay fit. This means you get timely, high-quality care not just when you are ill, but also when you are healthy.

Why buy Health Xtra Plan

Comprehensive Health Plan

Health Xtra covers both hospital stays and treatments that do not require hospitalisation. This includes doctor visits, surgeries, tests, and regular check-ups. Health Xtra covers you against all big and small health risks.

Individual and Family Plans

You can choose to cover just yourself or your whole family. The family floater plan includes your spouse, up to 3 children, and parents under one single policy. Parents can be covered under separate floater policy.

Budget-Friendly Premiums

Health Xtra is designed to suit all kinds of budgets. It ensures you receive maximum coverage at a cost that works for you, so you don't have to compromise on quality care.

Tax benefit

Enjoy tax benefits under Section 80D of the Income Tax Act with your Health Xtra policy. Maximise your savings while protecting your health.

Benefits of Buying Health Xtra Online

5% Online Discount

When you buy Health Xtra through Generali Central Insurance's official website, you get a flat 5% discount on your premium. This means you can enjoy comprehensive health coverage at a lower cost. This is a great way to save money while protecting your health.

Available Anytime, Anywhere

By purchasing the policy online, you don't need to visit an office or wait for working hours. Since you can access the platform 24/7, you can buy your policy whenever you want, whether it's early morning or late at night. All you need is a stable internet connection and a few minutes.

Clear and Transparent Information

Everything you need to know about the Health Xtra plan is right there on the website. You can read about the benefits, premium options, and coverage details clearly. This helps you make a confident and informed decision without depending on an agent.

Instant Policy Issuance

Once you make the payment, your policy documents will be sent straight to your inbox. You don't need to fill out additional paperwork or wait for days. Moreover, your coverage starts immediately, giving you instant peace of mind.

Easy-to-Use Website

Generali Central Insurance has a simple, easy-to-use website. Even if it's your first time buying insurance online, the website guides you step-by-step, making the process smooth and hassle-free.

Safe and Secure Payments

Worried about online safety? You don't have to be. Generali Central Insurance's website uses strong security measures to keep your data safe. We ensure all your sensitive personal and financial information is fully protected.

Why Choose Generali Central Insurance Health Xtra?

Cumulative Bonus Booster

With every claim-free year of a health insurance policy, you get a 50% bonus added to your sum insured with a max accumulation of 100%. Health Xtra gives you an additional bonus on top of this cumulative bonus up to 500% or 1000%. This means your financial coverage increases even more over time, helping you stay protected without paying more.
Early Coverage for Chronic Conditions

Health Xtra covers pre-existing conditions like Asthma, High Blood Pressure, Cholesterol, and Diabetes from the 31st day of your policy. You only need to complete an initial waiting period of 30 days and a medical evaluation with the company doctors.
Critical Illness Booster

If you are hospitalized due to a listed critical illness, Health Xtra doubles your Sum Insured for that treatment with a waiting period of 36 months. This extra support ensures you don't have to worry about high medical costs during serious health issues.

What is covered?

INCLUDED

Hospitalisation Expenses

Health Xtra covers hospital stays for 24 hours or more, including room charges, doctor fees, and medicines.
Pre & Post Hospitalisation

We take care of medical tests and doctor visits before and after your hospital stay.
Restoration of Sum Insured

Your full sum insured is restored if you use it once and need it again in the same year.
Day Care Treatment

The policy covers listed procedures that need less than 24 hours of hospital stay (like cataract surgery or dialysis).
Organ Donor Expenses

Medical expenses incurred for an organ donor’s surgery for the harvesting of the organ donated.
Modern Treatments

The coverage includes advanced treatments using new medical technology, as long as they are done in a hospital or a daycare.
AYUSH Treatment

Health Xtra covers hospital treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
Home Healthcare

Under the policy, you can avail of home care services up to 20% of the sum insured.
OPD Treatment

Health Xtra provides coverage for doctor visits and diagnostic tests outside the hospital for a 30% co-pay.
Accidental Hospitalisation

The plan provides extra 25% of SI coverage if you're hospitalised due to an accident.
Patient Care (Above 60 Years)

We cover the costs of a nurse at home for 10 days after discharge.
Accompanying Person (Up to 12 Years)

Receive a daily allowance for a parent or guardian staying with a hospitalised child.
E-Opinion

Get a second opinion for serious illnesses twice a year under the policy.
Wellness Benefits

The plan includes free health check-ups and rewards for staying healthy.
Cumulative Bonus

Your coverage increases by 50% every claim-free year, up to 100%.

Optional covers

You can further enhance the coverage of your policy by choosing from these 7 optional covers:

Voluntary Deductible

Enjoy lower premiums by paying a set amount before insurance kicks in.

Consumables Cover

This option covers the cost of non-medical items like gloves or syringes.

Cumulative Bonus Booster

Increases coverage up to 500% or 1000% for every claim-free year.

Critical Illness Booster

Double the sum insured if you're hospitalised due to a listed critical illness.

PED Coverage for ABCD Illnesses

Asthma, Blood Pressure, Cholesterol, and Diabetes are covered from the 31st day of your policy.

Accident Care

Get a one-time payment if an accident leads to death or disability.

Mandatory Co-pay Waiver

Get the co-payment waived off if the insured is aged 61 or above.

What is not covered?

NOT INCLUDED

Injuries or illnesses caused directly or indirectly by war, invasion, or acts of foreign enemies, whether war is declared or not.
Vaccinations and inoculations, unless they are part of post-bite treatment.
Any medical expenses related to alcoholism, drug or substance abuse, or other addictive conditions and their consequences.
Circumcision, unless required for treating a medical condition or due to an accident.
Costs related to spectacles, contact lenses, hearing aids, and other durable medical equipment.
Sexually transmitted diseases, except for HIV/AIDS.
External congenital anomalies and related complications or defects.
Injuries or illnesses caused directly or indirectly by nuclear weapons or materials.

Comparison for Different Sum Insureds Available Under Health Xtra

Sum Insured

₹ 5L / 10L

₹ 15L/ 20L/ 25L/ 30L/ 35L

₹ 50L/ 75L/ 100L

Base Covers

Hospitalization Medical Expenses

Up to SI

Room Rent Limit – Normal

Single Pvt Room

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/ 90 Days

Post-Hospitalization Medical Expenses

90/ 120 Days

120/ 150 Days

150/ 180 Days

Organ Donor Expenses

Up to SI

Modern Treatment Methods & Advancement in Technologies

Up to SI

AYUSH Treatment

Up to SI

Accidental Hospitalization

25% of SI; Max up to ₹ 10 Lac

Emergency Road Ambulance

₹ 1500/ hospitalization

₹ 2000/ hospitalization

₹ 5000/ hospitalization

Emergency Medical Evacuation

🗴

Up to 5% of the SI

Home Healthcare Expenses

Up to 20% of SI

Cataract (Waiting Period – 24 months)

10% Of SI, Maximum Of ₹ 75,000/- Per Eye

10% Of SI, Maximum Of ₹ 1.5 Lac Per Eye

10% Of SI, Maximum Of ₹ 2 Lac Per Eye

LASIK (Waiting Period – 36 months)

Covered Up To ₹ 30,000 for Both Eyes

Covered Up To ₹ 50,000 for Both Eyes

Covered Up To ₹ 1 Lac for Both Eyes

Only Once During the Entire Tenure Of Policy With Us

Patient Care (Above 60 Years) - Per Day Benefit

Maximum Up To ₹ 350/Day

Maximum Up To ₹ 500/Day

Maximum Up To ₹ 1,000/Day

Limited To 10 Days Per Hospitalization And 30 Days Per Policy Year

Accompanying Person (Up to 12 Years)

₹ 500/- per day

₹ 750/- per day

₹ 1000/- per day

Maximum of 30 days per policy year

OPD Treatment

₹ 7.5 K

₹ 10 K

Consultations/ Diagnostics are covered. 30% Co-Pay applicable.

1^st 30 days & PED Waiting Periods shall be applicable.

E-Opinion for Illness/ Injury (Per Policy Year)

Twice

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 in case of claims

Restoration of Sum Insured

Available

Equal to 100% of the base Sum Insured excluding Cumulative Bonus, if any.

Available for the particular Policy year for a second claim irrespective of the Sum Insured and Cumulative Bonus (if any) is completely or partially exhausted.

Bariatric Surgery

(Waiting-36 months)

50% of SI up to a maximum of ₹ 5 Lac

₹ 7.5 Lac

₹ 10 Lac

Optional Covers

Voluntary Deductible (Annual Aggregate)

₹ 10K/25K/ 50K

₹ 50K/75K/ 1 Lac

₹ 1/ 2.5 /5 Lac

Consumables / Non-Medical Expenses Cover

Up 15% of the admissible claims amount

Cumulative Bonus Booster

Available

CB equivalent to 50% of the SI can be earned for a claim free policy year and such CB can be accumulated max. up to 2 options (500%/ 1000%). In the event of claims, the CB shall decrease by 50%.

Critical Illness Booster (Waiting Period - 36 months)

Double Sum Insured for named Critical Illness

The benefit is available only once in a lifetime of the Policy.

PED Coverage for ABCD Illness (A-Asthma, B-High Blood Pressure, C-High Cholesterol, D-Diabetes) 30 Days

Available

Accident Care (AD, PTD & PPD)

₹ 5L/10L

₹ 5L/10L/15L/20L

Entry age - Adult Min 18 Years & Max 65 Years

Child Min 3 Years & Max 25 Years

Individual Basis only

Mandatory Co-Pay Waiver

Available

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 Xtra

Coverage Needs

Start by determining the kind of coverage you need. Look at your current health, medical history, and lifestyle. Do you have any ongoing health issues? Are there common illnesses in your family? Do you live in a city where medical costs are high? These questions will help you decide how much coverage is right for you. Health Xtra offers many features and benefits, so make sure the plan you choose matches your personal and family needs.

Premium Affordability

While Health Xtra gives you comprehensive coverage, you need to make sure the premium fits your budget. Select a coverage option that offers the right balance between benefits and cost. Remember, with Health Xtra, you can pay monthly, quarterly, half-yearly, and even yearly, depending on what works best for you

Additional Benefits

Health Xtra goes beyond basic hospital coverage. It gives you access to wellness programs and a cumulative bonus booster that increases your coverage each claim-free year. These benefits add more value to your policy and help you get more out of what you pay.

Waiting Periods

Like all health insurance plans, Health Xtra comes with certain waiting periods. It's important to know these before buying the plan:

· Initial Waiting Period: 30 days from the start of the policy

· Specific Illness Waiting Period: 24 to 36 months for certain treatments

· Pre-existing Disease Waiting Period: 36 months

How Can I Purchase
Future Generali Health Insurance?

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!

Steps to Claim Health Xtra

To make a cashless claim for Health Xtra, follow these steps:

1

Visit Hospital

Visit your nearest network hospital and approach the insurance helpdesk. Present your health card to initiate the cashless treatment process.
2

Verify Yourself

The hospital staff will verify your identity and fill out a pre-authorisation form, which they will submit directly to Generali Central Insurance.
3

Get Admitted

Once approved, you'll be admitted without any upfront payment. All eligible medical expenses will be handled directly between the hospital and Generali Central Insurance.
4

Peace of Mind

After your treatment and discharge, the hospital will send us the required claim documents. We will take care of settling the bill so that you can focus on recovery.

For a reimbursement claim, follow these steps:

1

Collate Documents

If you receive treatment at a non-network hospital, pay the bills at the time of discharge and collect all original treatment-related documents. These include hospital bills, prescriptions, discharge summaries, and diagnostic reports.
2

Claim Form

Download and complete the Health Xtra claim form from our website or collect it from a branch near you.
3

Document Submission

Submit the filled form along with the original documents to your nearest Generali Central Insurance branch within the required timeframe.
4

Claim Settlement

Once we receive and verify all your documents, we will process your claim according to the policy's terms and conditions.

FAQs about Health Xtra

What are the sum insured options available under the product?

You can choose between individual or floater sum insured options starting from ₹5 lakhs to ₹1 crore. The available options are: ₹5L, ₹10L, ₹15L, ₹20L, ₹25L, ₹30L, ₹35L, ₹50L, ₹75L, and ₹1 crore.

What are the policy periods available for Health Xtra?

You can select a policy term of 1, 2, or 3 years.

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

Yes.

Adult: Minimum 18 years and maximum 65 years

Children: Minimum 91 days and maximum 25 years

However, you can renew the policy for life.

What is the definition of family?

Individual Plan: Covers self, spouse/live-in partner, children, parents, in-laws, siblings, son/daughter-in-law, grandparents, and grandchildren.

Family Floater: Covers self, spouse, and up to 3 children (up to 25 years). You can take separate floater plans for parents.

Will I get a discount for insuring more than 1 family member?

Yes, you will get a 10% family discount if more than one person is covered under the same policy with an individual sum insured.

Is a pre-policy check-up required?

Yes, a pre-policy check-up is required if you are above 55 years of age or have any PED. If you get the check-up at our approved diagnostic centre, we will reimburse 100% of the cost once the policy is issued.

What is the sub-limit for cataract surgery?

You can make a claim for cataract surgery after completing a waiting period of 24 months. Here is the sub-limit:

Sum Insured	Sublimits
₹ 5L / 10L	10% Of SI, Maximum Of ₹ 75,000/- Per Eye
₹ 15L/ 20L/ 25L/ 30L/ 35L	10% Of SI, Maximum Of ₹ 1.5 Lac Per Eye
₹ 50L/ 75L/ 100L	10% Of SI, Maximum Of ₹ 2 Lac Per Eye

How much cumulative bonus can I get?

Your sum insured increases by 50% for every claim-free year, up to a maximum of 100% of the base sum insured. It will reduce in case of claims.

What are the waiting periods in this policy?

Here are the different waiting period criteria for the Health Xtra policy:

Sr No.	Benefit	Waiting Period
1.	Initial waiting period	30 days for all illnesses (not applicable on renewal or for accidents)
2.	Specific waiting periods	a. 24 months waiting period , Cataracts, Benign Prostatic Hypertrophy, Hernia of all types, Deviated Nasal Septum, Hypertrophied Turbinate, All types of nasal and para nasal sinus related disorders, Hydrocele, Fistulae, hemorrhoids, fissure in ano, Dysfunctional uterine bleeding, Fibromyoma, Endometriosis, Hysterectomy, All internal or external tumors/cysts/nodules/polyps of any kind including breast lumps with exception of malignant tumor or growth, Surgery for prolapsed inter vertebral disc unless arising from Accident, Surgery of varicose veins and varicose ulcers, Any types of gastric or duodenal ulcers, Stones in the urinary and biliary systems , Surgery on ears and tonsils. b. 36 months waiting period for Rheumatoid Arthritis, Gout, Joint replacement Surgery due to degenerative condition, Age related Osteoarthritis and Osteoporosis unless such joint replacement Surgery is Medically Necessary due to Injury, Lasik Surgery
3.	Pre-existing Disease	36 months
4.	LASIK Surgery	36 Months
5.	Bariatric Surgery	36 Months
6.	Cataract Treatment	24 Months
7.	Critical Illness Booster	36 Months
8.	OPD Treatment -	Initial waiting period of 30 days & PED Waiting Period
9.	PED Coverage for ABCD Illness	30 days

How can I contact Generali Central Insurance for a claim?

You can call our 24-hour call centre at 1800 103 8889 or fax us at 1800 103 9998. You can also email us at GCH@generalicentral.com.

What discounts are available?

You can enjoy a 10% discount if you buy a family plan. Additionally, the policy offers long-term discounts (7.5% for 2 years and 10% for 3 years). You can also avail of a 5% web/tele sales/employee discount.

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PRODUCT NAME: HEALTH XTRA | UIN NO: GCIHLIP26044V012526 | LAUNCH DATE: 15TH AUGUST 2025

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Introducing Health Xtra
Extra care meets extra coverage

What is Health Xtra?

Why buy Health Xtra Plan

Comprehensive Health Plan

Individual and Family Plans

Budget-Friendly Premiums

Tax benefit

Benefits of Buying Health Xtra Online

5% Online Discount

Available Anytime, Anywhere

Clear and Transparent Information

Instant Policy Issuance

Easy-to-Use Website

Safe and Secure Payments

Why Choose Generali Central Insurance Health Xtra?

What is covered?

Optional covers

What is not covered?

Comparison for Different Sum Insureds Available Under Health Xtra

Factors Affecting Health Insurance Premiums

Things to Consider While Buying Health Xtra

How Can I Purchase
Future Generali Health Insurance?

Steps to Claim Health Xtra

For a reimbursement claim, follow these steps:

FAQs about Health Xtra

Need to know more about Health Insurance?

Share your details

Thank you for your interest!

Download documents

Share your details

Thank you for your interest!

Introducing Health Xtra Extra care meets extra coverage

What is Health Xtra?

Why buy Health Xtra Plan

Comprehensive Health Plan

Individual and Family Plans

Budget-Friendly Premiums

Tax benefit

Benefits of Buying Health Xtra Online

5% Online Discount

Available Anytime, Anywhere

Clear and Transparent Information

Instant Policy Issuance

Easy-to-Use Website

Safe and Secure Payments

Why Choose Generali Central Insurance Health Xtra?

What is covered?

Optional covers

What is not covered?

Comparison for Different Sum Insureds Available Under Health Xtra

Factors Affecting Health Insurance Premiums

Things to Consider While Buying Health Xtra

How Can I Purchase Future Generali Health Insurance?

Steps to Claim Health Xtra

For a reimbursement claim, follow these steps:

FAQs about Health Xtra

Need to know more about Health Insurance?

Share your details

Thank you for your interest!

Download documents

Share your details

Thank you for your interest!

Introducing Health Xtra
Extra care meets extra coverage

How Can I Purchase
Future Generali Health Insurance?