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 typeHealth insurance with Vital, Superior and Premiere plans; individual sum insured and family-floater options are available.View source
The official page lists the Health Total plans and the base-cover catalogue; the policy schedule controls the selected option.
- Source
- Health Total
- Page / section
- Plan overview / Base covers
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerGenerali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited); Bank of India distributes the product as corporate agent.View source
The current policy wording identifies Generali Central and its .
- Source
- Health Total policy wording
- Page / section
- Insurer details / GCIHLIP25037V062425
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / coverPublished options are ₹3 lakh, ₹5 lakh and ₹10 lakh under Vital; ₹15 lakh, ₹20 lakh and ₹25 lakh under Superior; and ₹50 lakh or ₹1 crore under Premiere.View source
The schedule lists eight sum-insured options across Vital, Superior and Premiere plans.
- Source
- Health Total policy wording
- Page / section
- Annexure II — Schedule of Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageMinimum age at entry is 1 day for every published sum-insured option; the schedule shows no maximum age at entry and lifelong maximum renewal age.View source
The eligibility schedule prints 1 day minimum entry, no maximum age at entry and lifelong maximum renewal age.
- Source
- Health Total policy wording
- Page / section
- Annexure II — Eligibility
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverageHospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific OPD, overseas treatment, vaccination and emergency-evacuation benefits.View source
The BOI page lists the base covers and the policy schedule assigns plan-specific benefits.
- Source
- Health Total — BOI page and policy wording
- Page / section
- Base covers; Annexure II — Schedule of Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodThe complete waiting-period schedule is not reproduced on the BOI product summary; consult the current policy wording and schedule for illness-, maternity- and condition-specific periods.View source
The BOI summary lists benefits and downloadable policy wording but no single waiting-period table.
- Source
- Health Total
- Page / section
- Base covers / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium is quotation- and plan-dependent; no universal premium is published on the reviewed BOI page or the schedule excerpt.View source
The page provides plan and cover choices and links a prospectus but does not show a single premium table in the reviewed text.
- Source
- Health Total
- Page / section
- Plan overview / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe product page does not print the complete exclusions list; exclusions, sub-limits and waiting periods must be read in the current policy wording.View source
The policy wording is the controlling document for exclusions; the BOI product summary does not reproduce the full list.
- Source
- Health Total policy wording
- Page / section
- General conditions and exclusions
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termThe reviewed BOI Health Total page and schedule do not state one universal policy duration; the policy period is set in the issued schedule and renewal terms.View source
The BOI page lists plan benefits and policy documents but does not print a single universal policy-term number.
- Source
- Health Total
- Page / section
- Plan overview / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsHospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific OPD, overseas treatment, vaccination and emergency-evacuation benefits.View source
The manually reviewed product record states: “Hospitalisation up to sum insured, day-care treatment, pre- and post-hospitalisation, restoration of sum insured, cumulative bonus, maternity, newborn, organ-donor, ambulance and plan-specific , overseas treatment, vaccination and emergency-evacuation benefits.”.
- Source
- Health Total — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹3 lakh–₹1 crore sum-insured options
- Individual or family floater
- Hospitalisation and day-care cover
- Plan-specific maternity, and overseas benefits
Eligibility
- Minimum entry age is 1 day; policy schedule shows lifelong renewal.
Passing a listed condition does not mean the bank will approve an application.
Documents the bank lists
- Proposal form, identity/medical documents and claim documents requested by Generali Central
Related official documents
Health Total — official BOI pageofficial-product-page · current · accessed 30 Aug 2026
↗Health Total policy wordingofficial-pdf · current · accessed 30 Aug 2026
↗Individual insurance catalogue — Bank of Indiaofficial-product-page · current · accessed 30 Aug 2026
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