IndiaBanks.org · independent research

Insurance

Health Total

A Generali Central health policy with individual or family-floater sum-insured options, hospitalisation and day-care cover, and plan-specific maternity, and overseas-treatment benefits.

Policy typeHealth insurance with Vital, Superior and Premiere plans; individual sum insured and family-floater options are available.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.Policy termThe policy wording offers a minimum policy period of 1 year and a maximum policy period of 3 years; the issued schedule states the selected period.
Official product page ↗Compare category

Quick eligibility check

Health Total

0 of 5 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your age meet this requirement: Minimum age at entry is 1 day for every published sum-insured option?

Published source: Entry age

2Does your age meet this requirement: the schedule shows no maximum age at entry and lifelong maximum renewal age?

Published source: Entry age

3Does your age meet this requirement: Minimum entry age is 1 day?

4Do you meet this requirement: policy schedule shows lifelong renewal?

5Document checkDo you have this required document or proof: Proposal form, identity/medical documents and claim documents requested by Generali Central?

0 of 5 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 30 Aug 2026 · active
Offered byBank of India

India; subject to Generali Central policy schedule and underwriting

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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
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
Open official source ↗
Waiting periodInitial illness waiting period: 30 days from the first policy commencement (not applicable to renewals or accidents). Pre-existing disease (PED) waiting period: 24 months of continuous coverage, subject to declaration and acceptance; portability can reduce it by prior continuous coverage. Listed disease/procedure waiting periods: 24 months for cataract, benign prostatic hypertrophy, hernia, deviated nasal septum, hypertrophied turbinate, hydrocele, sinus conditions, fistulae/haemorrhoids/fissure, specified gynaecological conditions, internal/external tumours or cysts (other than malignant growth), prolapsed-disc surgery unless accidental, varicose-vein surgery, gastric/duodenal ulcers, urinary/biliary stones, and ear/tonsil surgery; 36 months for organ transplant, rheumatoid arthritis, gout, degenerative joint replacement, and age-related osteoarthritis/osteoporosis unless medically necessary due to injury. Maternity waiting: dependent spouse after 3 continuous annual premiums and 24 months' continuous cover; self after 4 continuous annual premiums and 36 months' continuous cover. Waiting periods apply afresh to an increased sum insured to the extent of the increase.View source
Section C.1 states a 30-day illness wait, 24-month PED wait, 24/36-month specified-condition waits and fresh application to enhanced sum insured; Benefit 5 states the spouse/self maternity conditions.
Source
Health Total policy wording
Page / section
Pages 7-8 (maternity); pages 13-14, Section C.1 (waiting periods); page 34-37 schedule
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Key exclusionsThe policy excludes or limits investigation/evaluation admissions, rest-cure/rehabilitation, obesity or weight-control treatment outside the stated clinical criteria, change-of-gender treatment, cosmetic or plastic surgery except medically necessary reconstruction, hazardous/adventure sports, breach of law, excluded providers, alcohol/drug or substance-abuse treatment, non-medical items, refractive-error correction below 7.5 dioptres, unproven treatments, birth control/sterility/infertility treatment, war/riot/terrorism and nuclear-risk injuries, circumcision except accident, vaccination except specified benefits, spectacles/contact lenses, non-medical equipment and personal-comfort items. OPD claims have additional limits: excess over the schedule maximum, annual health check-up, OPD in Vital, prescribed medication in Superior, unsupported consultation/diagnostic/referral/prescription costs and non-allopathic treatment. Annexure III separately lists items not covered or subsumed into room, procedure or treatment charges.View source
The complete exclusion clauses and four Annexure III lists are printed in the 43-page policy wording; the Generali Central product page shows a shorter illustrative list and directs customers to the policy wording.
Source
Health Total policy wording
Page / section
Pages 15-17, Section C.2-C.3; Annexure III pages 38-41
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
Policy termThe policy wording offers a minimum policy period of 1 year and a maximum policy period of 3 years; the issued schedule states the selected period.View source
D.4 states: minimum Policy Period offered is one year and maximum Policy Period is three years.
Source
Health Total policy wording
Page / section
Page 21, D.4 Policy Period
Accessed
10 Sept 2026
Confidence
high
Open official source ↗
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
Open official source ↗

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 — official BOI product pageofficial-product-page · current · accessed 10 Sept 2026
↗
Health Total policy wordingofficial-pdf · current · accessed 30 Aug 2026
↗
Individual insurance catalogue — Bank of Indiaofficial-product-page · current · accessed 30 Aug 2026
↗
Health Total — official Generali Central product pageofficial-insurer-page · current · accessed 10 Sept 2026
↗
Health Total policy wording — UIN GCIHLIP25037V062425official-pdf · current · accessed 10 Sept 2026
↗

Plan before applying

Try the numbers

Private, instant and based on the values you enter.

Try your numbers

Life-cover needs estimate

See whether your current cover and savings may leave a gap for your family. This does not calculate an insurance premium.

Possible cover gap₹1,15,00,000one crore fifteen lakh rupees
Income your family may need₹1,00,00,000one crore rupees
Cover and savings already counted₹5,00,000five lakh rupees

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Vital · Sum insured options₹3 lakh, ₹5 lakh, ₹10 lakh

This value is copied from Health Total — sum insured and eligibility schedule. Check the table notes before relying on it.

Source: Health Total policy wording · Annexure II — Schedule of Benefits Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 4 columnsHealth Total — sum insured and eligibility scheduleView tableHide table

Scroll sideways to view every column

Health Total — sum insured and eligibility schedule
PlanSum insured optionsMinimum entry ageMaximum renewal age
Vital₹3 lakh, ₹5 lakh, ₹10 lakh1 dayLifelong
Superior₹15 lakh, ₹20 lakh, ₹25 lakh1 dayLifelong
Premiere₹50 lakh, ₹1 crore1 dayLifelong
Health Total policy wording · Annexure II — Schedule of Benefits · accessed 30 Aug 2026Open official source ↗
Table 2 · 8 rows · 2 columnsHealth Total — base covers listed by BOIView tableHide table

Scroll sideways to view every column

Health Total — base covers listed by BOI
CoverPublished detail
HospitalisationUp to sum insured
Day careIncluded
Pre/post hospitalisation60 days pre; post period is plan-specific (90/120/180 days in schedule)
RestorationIncluded
Maternity/newbornIncluded subject to plan and policy terms
Organ donorIncluded
/overseas treatmentPlan-specific
PremiumNot published on reviewed BOI page
Health Total — BOI official page · Base covers · accessed 30 Aug 2026Open official source ↗
Table 3 · 9 rows · 2 columnsHealth Total — waiting-period scheduleView tableHide table

Scroll sideways to view every column

Health Total — waiting-period schedule
RulePublished period and condition
Initial illness30 days from first policy commencement; not applicable to renewal or accident claims
Pre-existing disease24 months continuous coverage; declaration and acceptance required; portability credit may reduce period
Specified conditions — 24 monthsCataracts; benign prostatic hypertrophy; hernia; deviated nasal septum; hypertrophied turbinate; hydrocele; sinus conditions; fistulae/haemorrhoids/fissure; specified gynaecological conditions; non-malignant tumours/cysts/polyps; prolapsed-disc surgery unless accidental; varicose-vein surgery; gastric/duodenal ulcers; urinary/biliary stones; ear/tonsil surgery
Specified conditions — 36 monthsOrgan transplant; rheumatoid arthritis; gout; degenerative joint replacement; age-related osteoarthritis/osteoporosis unless surgery is medically necessary due to injury
Maternity — dependent spouseAt least 3 continuous annual premiums and 24 months continuous cover from first Health Total policy
Maternity — selfAt least 4 continuous annual premiums and 36 months continuous cover from first Health Total policy
Enhanced sum insuredWaiting period applies afresh to the increased portion
Specified-condition accident exceptionSpecified-condition exclusion does not apply to claims arising due to an accident
Renewal/portabilityContinuous renewal and portability can preserve or reduce waiting-period credit subject to applicable regulations
Health Total policy wording · Pages 7-8, 13-14 and 37 · accessed 10 Sept 2026Open official source ↗
Table 4 · 15 rows · 2 columnsHealth Total — standard and specific exclusion clausesView tableHide table

Scroll sideways to view every column

Health Total — standard and specific exclusion clauses
ClausePublished exclusion
Excl04Investigation and evaluation admissions or diagnostics unrelated/incidental to the current diagnosis; exception for Benefit 13
Excl05Rest cure, rehabilitation and respite care, including custodial care and spiritual needs
Excl06Obesity/weight-control surgery unless doctor-advised, clinically supported and BMI/age/co-morbidity criteria are met
Excl07Change-of-gender treatment
Excl08Cosmetic or plastic surgery except medically necessary reconstruction after accident, burns or cancer
Excl09Hazardous or adventure sports unless specifically agreed
Excl10Treatment directly arising from or consequent upon breach of law with criminal intent
Excl11Treatment at providers specifically excluded and disclosed/notified by the insurer; stabilisation after an accident may be payable
Excl12Alcoholism, drug or substance abuse and addictive conditions
Excl13Health hydros, nature-cure clinics, spas, similar establishments and private beds attached to such facilities
Excl14Dietary supplements/substances available without prescription unless prescribed as part of hospitalisation or day care
Excl15Refractive-error correction below 7.5 dioptres
Excl16Unproven treatments lacking significant medical documentation
Excl17Birth control, sterilisation and infertility, including assisted reproduction and reversal of sterilisation
Specific exclusionsWar/riot/terrorism/nuclear risk; circumcision except accident; vaccination except stated benefits; spectacles/contact lenses; non-medical equipment; venereal disease other than /; congenital external anomaly; non-prescribed drugs; personal comfort items; dental treatment except accident-related inpatient surgery; home-visit charges except patient care; treatment outside India except Benefit 18; intentional self-injury
Health Total policy wording · Pages 15-17, Section C.2-C.3 · accessed 10 Sept 2026Open official source ↗
Table 5 · 143 rows · 2 columnsHealth Total — Annexure III items not covered or subsumedView tableHide table

Scroll sideways to view every column

Health Total — Annexure III items not covered or subsumed
ListItem
List I — not availableBABY FOOD
List I — not availableBABY UTILITIES CHARGES
List I — not availableBEAUTY SERVICES
List I — not availableBELTS/BRACES
List I — not availableBUDS
List I — not availableCOLD PACK/HOT PACK
List I — not availableCARRY BAGS
List I — not availableEMAIL/INTERNET CHARGES
List I — not availableFOOD CHARGES other than patient's hospital diet
List I — not availableLEGGINGS
List I — not availableLAUNDRY CHARGES
List I — not availableMINERAL WATER
List I — not availableSANITARY PAD
List I — not availableTELEPHONE CHARGES
List I — not availableGUEST SERVICES
List I — not availableCREPE BANDAGE
List I — not availableDIAPER OF ANY TYPE
List I — not availableEYELET COLLAR
List I — not availableSLINGS
List I — not availableBLOOD GROUPING AND CROSS MATCHING OF DONOR SAMPLES
List I — not availableSERVICE CHARGES WHERE NURSING CHARGE ALSO CHARGED
List I — not availableTELEVISION CHARGES
List I — not availableSURCHARGES
List I — not availableATTENDANT CHARGES
List I — not availableEXTRA PATIENT DIET outside bed charge
List I — not availableBIRTH CERTIFICATE
List I — not availableCERTIFICATE CHARGES
List I — not availableCOURIER CHARGES
List I — not availableCONVEYANCE CHARGES
List I — not availableMEDICAL CERTIFICATE
List I — not availableMEDICAL RECORDS
List I — not availablePHOTOCOPY CHARGES
List I — not availableMORTUARY CHARGES
List I — not availableWALKING
List I — not availableOXYGEN CYLINDER outside hospital
List I — not availableSPACER
List I — not availableSPIROMETRE
List I — not availableNEBULIZER KIT
List I — not availableSTEAM INHALER
List I — not availableARMSLING
List I — not availableTHERMOMETER
List I — not availableCERVICAL COLLAR
List I — not availableSPLINT
List I — not availableDIABETIC FOOT WEAR
List I — not availableKNEE BRACES
List I — not availableKNEE/SHOULDER IMMOBILIZER
List I — not availableLUMBO SACRAL BELT
List I — not availableNIMBUS/WATER/AIR BED CHARGES
List I — not availableAMBULANCE COLLAR
List I — not availableAMBULANCE EQUIPMENT
List I — not availableABDOMINAL BINDER
List I — not availablePRIVATE/SPECIAL NURSE CHARGES
List I — not availableSUGAR-FREE TABLETS
List I — not availableCREAMS/POWDERS/LOTIONS unless prescribed pharmaceutical
List I — not availableECG ELECTRODES
List I — not availableGLOVES
List I — not availableNEBULISATION KIT
List I — not availableUNSPECIFIED KIT
List I — not availableKIDNEY TRAY
List I — not availableMASK
List I — not availableOUNCE GLASS
List I — not availableOXYGEN MASK
List I — not availablePELVIC TRACTION BELT
List I — not available CAN
List I — not availableTROLLY COVER
List I — not availableUROMETER/URINE JUG
List I — not availableVASOFIX SAFETY
List II — subsumed into room chargesBABY CHARGES unless specified
List II — subsumed into room chargesHAND WASH
List II — subsumed into room chargesSHOE COVER
List II — subsumed into room chargesCAPS
List II — subsumed into room chargesCRADLE CHARGES
List II — subsumed into room chargesCOMB
List II — subsumed into room chargesEAU-DE-COLOGNE/ROOM FRESHENERS
List II — subsumed into room chargesFOOT COVER
List II — subsumed into room chargesGOWN
List II — subsumed into room chargesSLIPPERS
List II — subsumed into room chargesTISSUE PAPER
List II — subsumed into room chargesTOOTH PASTE
List II — subsumed into room chargesTOOTH BRUSH
List II — subsumed into room chargesBED
List II — subsumed into room chargesFACE MASK
List II — subsumed into room chargesFLEXI MASK
List II — subsumed into room chargesHAND HOLDER
List II — subsumed into room chargesSPUTUM CUP
List II — subsumed into room chargesDISINFECTANT LOTIONS
List II — subsumed into room chargesLUXURY TAX
List II — subsumed into room chargesHVAC
List II — subsumed into room chargesHOUSE KEEPING CHARGES
List II — subsumed into room chargesAIR CONDITIONER CHARGES
List II — subsumed into room chargesIM/IV INJECTION CHARGES
List II — subsumed into room chargesCLEAN SHEET
List II — subsumed into room chargesBLANKET/WARMER BLANKET
List II — subsumed into room chargesADMISSION KIT
List II — subsumed into room chargesDIABETIC CHART CHARGES
List II — subsumed into room chargesDOCUMENTATION/ADMINISTRATIVE CHARGES
List II — subsumed into room chargesDISCHARGE PROCEDURE CHARGES
List II — subsumed into room chargesDAILY CHART CHARGES
List II — subsumed into room chargesENTRANCE/VISITOR PASS
List II — subsumed into room chargesPRESCRIPTION-ON-DISCHARGE EXPENSES
List II — subsumed into room chargesFILE OPENING CHARGES
List II — subsumed into room chargesUNEXPLAINED INCIDENTAL/MISCELLANEOUS CHARGES
List II — subsumed into room chargesPATIENT IDENTIFICATION BAND/NAME TAG
List II — subsumed into room chargesPULSEOXYMETER CHARGES
List III — subsumed into procedure chargesHAIR REMOVAL CREAM
List III — subsumed into procedure chargesDISPOSABLE RAZOR CHARGES
List III — subsumed into procedure chargesEYE PAD
List III — subsumed into procedure chargesEYE SHIELD
List III — subsumed into procedure chargesCAMERA COVER
List III — subsumed into procedure chargesDVD/CD CHARGES
List III — subsumed into procedure chargesGAUZE SOFT/GAUZE
List III — subsumed into procedure chargesWARD AND THEATRE BOOKING CHARGES
List III — subsumed into procedure chargesARTHROSCOPY/ENDOSCOPY INSTRUMENTS
List III — subsumed into procedure chargesMICROSCOPE COVER
List III — subsumed into procedure chargesSURGICAL BLADES/HARMONIC SCALPEL/SHAVER
List III — subsumed into procedure chargesSURGICAL DRILL
List III — subsumed into procedure chargesEYE KIT
List III — subsumed into procedure chargesEYE DRAPE
List III — subsumed into procedure chargesX-RAY FILM
List III — subsumed into procedure chargesBOYLES APPARATUS CHARGES
List III — subsumed into procedure chargesCOTTON/COTTON BANDAGE
List III — subsumed into procedure chargesSURGICAL TAPE
List III — subsumed into procedure chargesAPRON
List III — subsumed into procedure chargesTORNIQUET
List III — subsumed into procedure chargesORTHOBUNDLE/GYNAEC BUNDLE
List IV — subsumed into cost of treatmentADMISSION/REGISTRATION CHARGES
List IV — subsumed into cost of treatmentHOSPITALISATION FOR EVALUATION/DIAGNOSTIC PURPOSE
List IV — subsumed into cost of treatmentURINE CONTAINER
List IV — subsumed into cost of treatmentBLOOD RESERVATION/ANTENATAL BOOKING CHARGES
List IV — subsumed into cost of treatmentBIPAP MACHINE
List IV — subsumed into cost of treatmentCPAP/CAPD EQUIPMENT
List IV — subsumed into cost of treatmentINFUSION PUMP COST
List IV — subsumed into cost of treatmentHYDROGEN PEROXIDE/SPIRIT/DISINFECTANTS
List IV — subsumed into cost of treatmentNUTRITION PLANNING/DIETICIAN/DIET CHARGES
List IV — subsumed into cost of treatment KIT
List IV — subsumed into cost of treatmentANTISEPTIC MOUTHWASH
List IV — subsumed into cost of treatmentLOZENGES
List IV — subsumed into cost of treatmentMOUTH PAINT
List IV — subsumed into cost of treatmentVACCINATION CHARGES
List IV — subsumed into cost of treatmentALCOHOL SWABS
List IV — subsumed into cost of treatmentSCRUB SOLUTION/STERILLIUM
List IV — subsumed into cost of treatmentGLUCOMETER AND STRIPS
List IV — subsumed into cost of treatmentURINE BAG
Health Total policy wording · Annexure III pages 38-41 · accessed 10 Sept 2026Open official source ↗

More from Bank of India

Related products

Generali Central FG Dog Health Cover

A Generali Central pet-health policy for dogs aged 6 months to 10 years, with surgery and hospitalisation cover, emergency pet minding and doctor-on-call assistance.

View product

Generali Central Domestic Travel

A Generali Central domestic travel policy with cashless network-hospital claims, reimbursement, flexible plan choice, quick settlement and instant issuance.

View product

Health Absolute

A Generali Central health policy with Classic, Platinum and Signature plans, individual/non-floater/family-floater options and plan-specific maternity, , restoration and overseas-treatment benefits.

View product

Health Unlimited

A Generali Central health policy with ₹7.5 lakh–₹2 crore sum-insured options, lifelong renewal, one- to three-year terms, unlimited reinstatement and plan-specific co-pay and waiting rules.

View product