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 individual/non-floater and family-floater cover, unlimited restoration and optional non-medical, deductible and co-payment-waiver covers.View source
The BOI page lists base and optional covers; the policy schedule specifies cover types and eligibility.
- Source
- Health Unlimited
- Page / section
- Base covers / Optional covers; Schedule of Benefits
- Accessed
- 30 Aug 2026
- Confidence
- high
InsurerGenerali Central Insurance Company Limited (formerly Future Generali India Insurance Company Limited); Bank of India distributes the policy.View source
The wording defines the insurer as Generali Central and identifies GCIHLIP26041V012526.
- Source
- Health Unlimited policy wording
- Page / section
- Definitions — insurer; GCIHLIP26041V012526
- Accessed
- 30 Aug 2026
- Confidence
- high
Sum insured / cover₹7.5 lakh, ₹10 lakh, ₹15 lakh, ₹25 lakh, ₹50 lakh, ₹1 crore or ₹2 crore.View source
The schedule lists seven sum-insured options from ₹7.5 lakh to ₹2 crore.
- Source
- Health Unlimited policy wording
- Page / section
- Schedule of Benefits — Sum Insured offering, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Entry ageAdults: minimum 18 years and maximum 65 years. Children: minimum 91 days and maximum 25 years.View source
The schedule prints adult 18–65 years and child 91 days–25 years.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Entry Age, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Family eligibilityIndividual/
The schedule specifies covered relationships, child age and maximum persons per policy type.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Relationship and maximum insured, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Policy termOne, two or three years.View source
The schedule prints policy tenure 1/2/ 3 years.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Policy Tenure, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Premium payment frequencySingle, monthly, quarterly or half-yearly.View source
The schedule lists single, monthly, quarterly and half-yearly payment modes.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Premium Payment Option, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Key coverageIn-patient hospitalisation up to sum insured; normal room options from single private room to up to sum insured by plan; ICU up to sum insured; day-care and home-health care; OPD, medical second opinion, organ donor, wellness, modern treatment, cumulative bonus, AYUSH, maternity, bariatric surgery, accidental hospitalisation, inflation guard, emergency road ambulance, premium payback, emergency medical evacuation and unlimited restoration, subject to plan and schedule.View source
The BOI page lists the base and optional cover catalogue; the schedule confirms hospitalisation and room/ limits.
- Source
- Health Unlimited
- Page / section
- Base covers / Schedule of Benefits, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Waiting periodInitial waiting period: 30 days, except accidental hospitalisation. Specific waiting period: 24 or 36 months as applicable. Pre-existing disease waiting period: 36 months. The wording also lists a 3-year waiting period for joint replacement and organ transplant.View source
The schedule prints 30-day initial, 24/36-month specific, 36-month pre-existing-disease and three-year joint-replacement/ organ-transplant waiting periods.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Waiting Period, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
Mandatory co-paymentA 20% co-payment applies to each claim when the insured first enters the policy at age 61 years or above, including subsequent renewals.View source
The wording applies 20% co-pay to each claim for first entry at age 61 years and above and says it continues at renewal.
- Source
- Health Unlimited policy wording
- Page / section
- General Terms & Eligibility — Mandatory Co-pay, p.39
- Accessed
- 30 Aug 2026
- Confidence
- high
PremiumPremium is plan-, age-, sum-insured-, tenure- and underwriting-dependent; the reviewed BOI page and schedule do not publish one universal premium amount.View source
The page publishes benefit and term choices but no universal premium amount.
- Source
- Health Unlimited
- Page / section
- Base covers / Documents
- Accessed
- 30 Aug 2026
- Confidence
- high
Key exclusionsThe complete exclusions schedule is controlled by the policy wording and is not reproduced in the BOI summary; review the current wording and schedule before purchase.View source
The wording is the controlling exclusions source; the BOI summary does not reproduce the complete list.
- Source
- Health Unlimited policy wording
- Page / section
- Exclusions and general conditions
- Accessed
- 30 Aug 2026
- Confidence
- high
Geographic limitsIn-patient hospitalisation up to sum insured; normal room options from single private room to up to sum insured by plan; ICU up to sum insured; day-care and home-health care; OPD, medical second opinion, organ donor, wellness, modern treatment, cumulative bonus, AYUSH, maternity, bariatric surgery, accidental hospitalisation, inflation guard, emergency road ambulance, premium payback, emergency medical evacuation and unlimited restoration, subject to plan and schedule.View source
The manually reviewed product record states: “In-patient hospitalisation up to sum insured; normal room options from single private room to up to sum insured by plan; up to sum insured; day-care and home-health care; , medical second opinion, organ donor, wellness, modern treatment, cumulative bonus, , maternity, bariatric surgery, accidental hospitalisation, inflation guard, emergency road ambulance, premium payback, emergency medical evacuation and unlimited restoration, subject to plan and schedule.”.
- Source
- Health Unlimited — official product page
- Page / section
- Published product metadata
- Accessed
- 30 Aug 2026
- Confidence
- high
Benefits and features
- ₹7.5 lakh–₹2 crore sum insured
- 18–65 adult entry; 91-day–25-year child entry
- 1/
2/ 3-year terms - 30-day initial, 24/
36-month specific and 36-month pre-existing waiting periods - Unlimited restoration and 20% senior-entry co-pay rule
Eligibility
- Individual/non-floater and family-floater relationships and maximum insured counts are defined in the policy schedule.
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 Unlimited — official BOI product pageofficial-product-page · current · accessed 30 Aug 2026
↗Health Unlimited policy wordingofficial-pdf · current · accessed 30 Aug 2026
↗