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
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.
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.
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 | Up to SI | Up to SI | |||||||||
Room Rent Limit – Normal | Single Pvt Room | Single Pvt Room | 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 | Up to SI | Up to SI | |||||||||
Day Care Treatment Expenses | Up to SI | Up to SI | Up to SI | |||||||||
Pre-Hospitalization Medical Expenses | 60/ 90 Days | 60/ 90 Days | 60/ 90 Days | |||||||||
Post-Hospitalization Medical Expenses | 90/ 120 Days | 120/ 150 Days | 150/ 180 Days | |||||||||
Organ Donor Expenses | Up to SI | Up to SI | Up to SI | |||||||||
Modern Treatment Methods & Advancement in Technologies | Up to SI | Up to SI | Up to SI | |||||||||
AYUSH Treatment | Up to SI | Up to SI | Up to SI | |||||||||
Accidental Hospitalization | 25% of SI; Max up to ₹ 10 Lac | 25% of SI; Max up to ₹ 10 Lac | 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 | Up to 5% of the SI | |||||||||
Home Healthcare Expenses | Up to 20% of SI | Up to 20% of SI | 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 | NA | ₹ 7.5 K | ₹ 10 K | |||||||||
Consultations/ Diagnostics are covered. 30% Co-Pay applicable. 1st 30 days & PED Waiting Periods shall be applicable. | ||||||||||||
E-Opinion for Illness/ Injury (Per Policy Year) | Twice | Twice | Twice | |||||||||
Wellness Benefits | Available | Available | Available | |||||||||
VAS & Loyalty Benefits
| ||||||||||||
Cumulative Bonus | 50% per claim free policy year; max accumulation of 100%; CB shall be reduced in case of claims | 50% per claim free policy year; max accumulation of 100%; CB shall be reduced in case of claims | 50% per claim free policy year; max accumulation of 100%; CB shall be reduced in case of claims | |||||||||
Restoration of Sum Insured | Available | Available | 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 | Up 15% of the admissible claims amount | Up 15% of the admissible claims amount | |||||||||
Cumulative Bonus Booster | Available | Available | 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 | Double Sum Insured for named Critical Illness | 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 | Available | Available | |||||||||
Accident Care (AD, PTD & PPD) | ₹ 5L/10L | ₹ 5L/10L/15L/20L | ₹ 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 | Available | 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 Generali Central Health Insurance?
Get a quick quote
We only need some basic details to give you a quote.
Fill the form
Select a quote that suits you and fill our proposal form. Answer some questions about your health.
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:
Visit Hospital
Visit your nearest network hospital and approach the insurance helpdesk. Present your health card to initiate the cashless treatment process.
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.
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.
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:
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.
Claim Form
Download and complete the Health Xtra claim form from our website or collect it from a branch near you.
Document Submission
Submit the filled form along with the original documents to your nearest Generali Central Insurance branch within the required timeframe.
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
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.
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PRODUCT NAME: HEALTH XTRA | UIN NO: GCIHLIP26044V012526 | LAUNCH DATE: 15TH AUGUST 2025