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Generali Central · GCIHLIP26041V012526

Generali Central Health Unlimited

Generali Central Health Unlimited (IRDAI UIN GCIHLIP26041V012526) is an individual and family floater health insurance plan with sum insured from 7.5 lakh to 2 crore (7 options). Pre-existing diseases are covered after 3 years.

Premiums depend on age, cover, city, health and the options you choose. Where the insurer published a premium, the figure shown is for the exact profile stated next to it; your premium will differ. Comparezi does not sell insurance or give advice: check the insurer's prospectus and policy wording, which prevail.

In short

Generali Central Health Unlimited is a health insurance plan from Generali Central. Key specifications: plan type Individual and family floater, room rent Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above, pre-existing disease waiting 36 months.

Sample premium ₹13,006 a year*

*For: Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual. Your premium will differ.

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Plan type
Individual and family floater
Room rent
Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Pre-existing disease waiting
36 months
Sample annual premium
₹13,006

Cons

  • Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
Highest sum insured 200 lakh
Entry age 91 days to 65 years
Room rent Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
Co-payment 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1

Waiting periods

Initial waiting period 30 days
Pre-existing disease waiting 36 months
Specific illness waiting 24 months

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
No-claim bonus 50% per claim-free policy year, max 100%; reduced by 50% in case of claims
Maternity Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
OPD Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay

Premium

Sample annual premium ₹13,006
Sample premium is for Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual

Insurer

Health incurred claim ratio (insurer) 95.29%
Claims figures for FY 2024-25: health incurred claim ratio including personal accident, IRDAI Annual Report (Statement 10)
Network hospitals (insurer) 5000+
IRDAI UIN GCIHLIP26041V012526

About the Health Unlimited

Generali Central Health Unlimited (IRDAI UIN GCIHLIP26041V012526) is an individual and family floater health insurance plan with sum insured from 7.5 lakh to 2 crore (7 options). Pre-existing diseases are covered after 3 years. It is one of 53 health insurance plans on Comparezi, from Generali Central.

Information only. Comparezi does not sell insurance, does not give advice and is not paid by insurers. The policy wording issued by the insurer prevails over this summary.

Cover and limits

  • Plan type: Individual and family floater
  • Sum insured options: 7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore
  • Entry age: 91 days to 65 years
  • Room rent: Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above
  • Co-payment: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1

Waiting periods

  • Initial waiting period: 30 days
  • Pre-existing diseases: 3 years
  • Specific illnesses: 2 years

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: Unlimited Restoration of 100% of base SI from the 2nd claim onwards, for same and different illnesses
  • No-claim bonus: 50% per claim-free policy year, max 100%; reduced by 50% in case of claims
  • Maternity: Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months)
  • OPD: Covered up to Rs 5,000 (SI 7.5-15 lakh), consultations/diagnostics, 30% co-pay

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 9 have a shorter one and 40 have the same. Of the 49 health insurance plans on Comparezi with a stated post-hospitalisation period, 22 have a longer one and 19 have the same.

Premium

It depends on your age, cover, city and options. Generali Central's own published premium table gives ₹13,006 a year for this profile: Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual. Your premium will differ; get a quote from the insurer.

About the insurer

Generali Central's health incurred claim ratio was 95.29% in FY 2024-25 (IRDAI Annual Report; includes personal accident). An incurred claim ratio compares claims with premiums earned; it is not the share of claims paid. Generali Central states a network of 5000+ hospitals.

Similar plans from other insurers

Other health insurance plans from Generali Central

Sources

Checked 6 November 2026. Values the documents do not state are left out rather than estimated. See how Comparezi checks data.

Alternatives

Alternatives to the Health Unlimited

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Activ Health Platinum Enhanced

  • Individual and family floater Plan type
  • SI Rs 4 lakh and above: options Shared Room / Single Private A/C Room / Any Room; SI up to Rs 3 lakh: Shared Room / Single Private A/C Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile
  • Individual and family floater Plan type
  • SI up to 7.5 lacs: Single private Air Conditioned room; SI 10 lacs and above: any room category Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Care Health

Ultimate Care

  • Individual and family floater Plan type
  • Up to SI Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹10,390 a year*

Tata AIG

MediCare Select

  • Individual and family floater Plan type
  • Single Private Room Room rent
  • 36 months Pre-existing disease waiting
Premium depends on your profile

Similar cover

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Generali Central

Health Absolute - Classic

  • Individual and family floater Plan type
  • No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured) Room rent
  • 24 months Pre-existing disease waiting
Sample premium ₹13,986 a year*

Head to head

Compare the Health Unlimited

Questions

Health Unlimited FAQs

It depends on your age, cover, city and options. Generali Central's own published premium table gives ₹13,006 a year for this profile: Age band 26-30, Sum Insured Rs 10,00,000, Zone 1 (highest; Zone 2 = 5% discount), base premium table in brochure, 'Premiums exclusive of Goods & Services Tax'; table not labelled individual/floater (per-member age-band rate); annual. Your premium will differ; get a quote from the insurer.

GCIHLIP26041V012526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

3 years, as stated by the insurer.

Room rent as stated by the insurer: Single Pvt. Room for SI 7.5-15 lakh; up to SI for 25 lakh and above.

Co-payment as stated by the insurer: 20% for insured persons aged 61+ at first policy; 15% if Zone 2 premium and treated in Zone 1.

Maternity as stated by the insurer: Not covered for SI 7.5/10 lakh (covered from SI 15 lakh after 36 months).

60 days before and 90 days after hospitalisation.

7.5 lakh, 10 lakh, 15 lakh, 25 lakh, 50 lakh, 1 crore, 2 crore.

Data sources

  • Manufacturer official pages

Last updated

Product details

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