Extra care meets extra coverage
First, let's get to know you better.
Get a discount up to 5% on your premium if you purchase this policy online!
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.
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.
An individual health insurance plan covers a single person, giving them a separate, dedicated Sum Insured. In contrast, a floater Health Insurance plan covers your whole family under one shared Sum Insured.
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.
Enjoy tax benefits under Section 80D of the Income Tax Act with your Health Xtra policy. Maximise your savings while protecting your health.
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.
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.
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.
INCLUDED
Health Xtra covers hospital stays for 24 hours or more, including room charges, doctor fees, and medicines.
We take care of medical tests and doctor visits before and after your hospital stay.
Your full sum insured is restored if you use it once and need it again in the same year.
The policy covers listed procedures that need less than 24 hours of hospital stay (like cataract surgery or dialysis).
Medical expenses incurred for an organ donor’s surgery for the harvesting of the organ donated.
The coverage includes advanced treatments using new medical technology, as long as they are done in a hospital or a daycare.
Health Xtra covers hospital treatment under Ayurveda, Yoga, Unani, Siddha, and Homoeopathy.
Under the policy, you can avail of home care services up to 20% of the sum insured.
Health Xtra provides coverage for doctor visits and diagnostic tests outside the hospital for a 30% co-pay.
The plan provides extra 25% of SI coverage if you're hospitalised due to an accident
We cover the costs of a nurse at home for 10 days after discharge.
Receive a daily allowance for a parent or guardian staying with a hospitalised child
Get a second opinion for serious illnesses twice a year under the policy.
The plan includes free health check-ups and rewards for staying healthy.
Your coverage increases by 50% every claim-free year, up to 100%.
You can further enhance the coverage of your policy by choosing from these 7 optional covers:
Enjoy lower premiums by paying a set amount before insurance kicks in.
This option covers the cost of non-medical items like gloves or syringes.
Increases coverage up to 500% or 1000% for every claim-free year
Double the sum insured if you're hospitalised due to a listed critical illness.
Asthma, Blood Pressure, Cholesterol, and Diabetes are covered from the 31st day of your policy
Get a one-time payment if an accident leads to death or disability.
Get the co-payment waived off if the insured is aged 61 or above.
NOT INCLUDED
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.
You can select a policy term of 1, 2, or 3 years.
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.
Individual Plan: Covers self, spouse, live-in partner, children, parents, parents-in-laws, siblings, son/daughter-in-law, grandparents, and grandchildren.
Family Floater: Covers self, spouse, live-in partner, and up to 3 children (up to 25 years). You can take separate floater plans for parents.
Yes, you will get a 10% family discount if more than one person is covered under the same policy with an individual sum insured.
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.
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 |
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.
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 |
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.
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.
PRODUCT NAME: HEALTH XTRA | UIN NO: GCIHLIP26044V012526 | LAUNCH DATE: 15TH AUGUST 2025
