Key facts
What the official sources publish
Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.
Policy typeComprehensive health insurance with Classic, Platinum and Signature plans; individual, non-floater and family-floater cover types are available.View source
The BOI page lists the benefit catalogue and the policy schedule lists the three plans and cover types.
- Source
- Health Absolute
- Page / section
- Benefits; Annexure II — Eligibility and Cover Type
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerGenerali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited); Bank of India distributes the product.View source
The policy wording identifies Generali Central and GCIHLIP26043V032526.
- Source
- Health Absolute policy wording
- Page / section
- Insurer details / GCIHLIP26043V032526
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / coverClassic: ₹3 lakh, ₹5 lakh or ₹10 lakh. Platinum: ₹15 lakh, ₹20 lakh, ₹25 lakh, ₹30 lakh or ₹35 lakh. Signature: ₹50 lakh, ₹75 lakh or ₹1 crore.View source
The schedule prints plan-wise sum-insured options from ₹3 lakh to ₹1 crore.
- Source
- Health Absolute policy wording
- Page / section
- Annexure II — Schedule of Benefits, p.50
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageMinimum entry age is 1 day for children and 18 years for adults. Maximum entry age is 25 years for children and no limit for adults. Maximum renewal age is lifelong for all three plans.View source
The eligibility schedule publishes child/adult minimum and maximum entry ages and lifelong renewal.
- Source
- Health Absolute policy wording
- Page / section
- Annexure II — Eligibility, p.50
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverageHospitalisation and day-care up to sum insured; pre-hospitalisation 60 days; post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature; restoration of sum insured; maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, OPD, wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/
The schedule lists hospitalisation, day-care, pre/post periods, restoration and plan-specific benefit rows; the BOI page lists the full cover catalogue.
- Source
- Health Absolute policy wording
- Page / section
- Annexure II — Hospitalisation and benefits, p.50
- Accessed
- 30 Aug 2026
- Confidence
- high
Maternity coverNormal-delivery limits: Classic ₹25,000 for ₹3 lakh sum insured and ₹30,000 for ₹5/
The schedule publishes normal and caesarean maternity sub-limits by plan and sum insured.
- Source
- Health Absolute policy wording
- Page / section
- Annexure II — Maternity benefits, p.50
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termThe reviewed BOI page and policy schedule do not state one universal policy duration; the issued schedule and renewal terms control the period.View source
The BOI summary lists benefits and documents but does not print a single universal policy-term number.
- Source
- Health Absolute
- Page / section
- Benefits / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium is plan-, age-, sum-insured- and deductible-dependent; the prospectus publishes discounts (including 7.5% for a two-year term and 10% for a three-year term) but no single universal premium.View source
The prospectus publishes long-term and deductible discount rows, while the quote varies by proposal.
- Source
- Health Absolute prospectus
- Page / section
- Premium discounts and deductibles
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodThe complete waiting-period schedule is not reproduced in the BOI summary; review the current policy wording for illness-, maternity- and pre-existing-condition waiting periods.View source
The page lists benefits and links the policy wording but does not present a general waiting-period table in its summary.
- Source
- Health Absolute
- Page / section
- Benefits / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions list is controlled by the policy wording and is not reproduced in the BOI summary; review the current wording before purchase.View source
The policy wording is the controlling exclusions source; the BOI product page does not reproduce the full list.
- Source
- Health Absolute policy wording
- Page / section
- General exclusions and conditions
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsHospitalisation and day-care up to sum insured; pre-hospitalisation 60 days; post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature; restoration of sum insured; maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, OPD, wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/
The manually reviewed product record states: “Hospitalisation and day-care up to sum insured; pre-hospitalisation 60 days; post-hospitalisation 90 days Classic, 120 days Platinum and 180 days Signature; restoration of sum insured; maternity, newborn, infertility, organ donor, patient care, accidental hospitalisation, ambulance, , wellness, cumulative bonus, bariatric surgery and plan-specific evacuation/overseas treatment.”.
- Source
- Health Absolute — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹3 lakh–₹1 crore plan options
- 1-day child and 18-year adult minimum entry
- Lifelong renewal
- Maternity limits up to ₹2 lakh
- Individual, non-floater and family-floater cover
Eligibility
- Adult entry has no maximum age; children may enter up to 25 years. Family definition and plan-specific underwriting apply.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal form, identity/medical information and claim documents requested by Generali Central
Related official documents
Health Absolute — official BOI product pageofficial-product-page · current · accessed 30 Aug 2026
↗Health Absolute policy wordingofficial-pdf · current · accessed 30 Aug 2026
↗Health Absolute prospectusofficial-pdf · current · accessed 30 Aug 2026
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