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Generali Central · GCIHLIP26043V032526

Generali Central Health Absolute - Classic

Generali Central Health Absolute - Classic (IRDAI UIN GCIHLIP26043V032526) is an individual and family floater health insurance plan with sum insured options of 3 lakh, 5 lakh, 10 lakh. Pre-existing diseases are covered after 2 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 Absolute - Classic is a health insurance plan from Generali Central. Key specifications: plan type Individual and family floater, room rent No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured), pre-existing disease waiting 24 months.

Sample premium ₹13,986 a year*

*For: Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate). Your premium will differ.

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

Pros

  • Pre-existing diseases covered after 2 years, sooner than 82% of the 50 health insurance plans on Comparezi that state it
  • No room-rent cap

Cons

  • Lower maximum sum insured than 90% of the 52 health insurance plans on Comparezi that state it (₹10 lakh)
  • Co-payment: 20% for insured persons aged 61 and above at first entry

Who should avoid it

  • Not ideal for High sum insured available · What matters most? (pick any) #48 of 53

Full specifications

Cover

Plan type Individual and family floater
Sum insured options 3 lakh, 5 lakh, 10 lakh
Highest sum insured 10 lakh
Entry age From 1 day (no maximum stated)
Room rent No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured)
Co-payment 20% for insured persons aged 61 and above at first entry

Waiting periods

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

Benefits

Pre-hospitalisation 60 days
Post-hospitalisation 90 days
Day-care treatment Yes
AYUSH treatment Yes
Restore benefit 100% of base Sum Insured, triggered on second claim, once during a Policy Year
No-claim bonus 50% per claim-free year, maximum 100% of sum insured; reduced at same rate after a claim
Maternity Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered)
OPD Covered up to Rs 3,000 per person (individual) / Rs 5,000 per policy (floater), mental/psychiatric illness only

Premium

Sample annual premium ₹13,986
Sample premium is for Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate)

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 GCIHLIP26043V032526

About the Health Absolute - Classic

Generali Central Health Absolute - Classic (IRDAI UIN GCIHLIP26043V032526) is an individual and family floater health insurance plan with sum insured options of 3 lakh, 5 lakh, 10 lakh. Pre-existing diseases are covered after 2 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: 3 lakh, 5 lakh, 10 lakh
  • Entry age: From 1 day (no maximum stated)
  • Room rent: No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured)
  • Co-payment: 20% for insured persons aged 61 and above at first entry

Waiting periods

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

Benefits

  • Pre-hospitalisation: 60 days
  • Post-hospitalisation: 90 days
  • Day-care treatment: Covered
  • AYUSH treatment: Covered
  • Restore benefit: 100% of base Sum Insured, triggered on second claim, once during a Policy Year
  • No-claim bonus: 50% per claim-free year, maximum 100% of sum insured; reduced at same rate after a claim
  • Maternity: Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered)
  • OPD: Covered up to Rs 3,000 per person (individual) / Rs 5,000 per policy (floater), mental/psychiatric illness only

How it compares on Comparezi

Of the 50 health insurance plans on Comparezi with a stated pre-existing disease waiting period, 1 has a shorter one and 7 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 ₹13,986 a year for this profile: Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate). 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 Absolute - Classic

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New India Assurance

Arogya Sanjeevani Policy

  • Individual and family floater Plan type
  • 2% of sum insured subject to maximum of Rs.5000/- per day Room rent
  • 36 months Pre-existing disease waiting
Sample premium ₹8,836 a year*

Similar cover

Similar health insurance plans

Generali Central

Health Unlimited

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

Head to head

Compare the Health Absolute - Classic

Questions

Health Absolute - Classic FAQs

It depends on your age, cover, city and options. Generali Central's own published premium table gives ₹13,986 a year for this profile: Individual Premium 'Without Copay' (entry on or before age 60), age band 26-30, Sum Insured 10 Lakhs (Classic plan), 'Premium rates exclusive of Goods & Services Tax'; no zones in product; policy term not stated on table (annual rate). Your premium will differ; get a quote from the insurer.

GCIHLIP26043V032526. The UIN identifies the exact product version filed with IRDAI; check it on your policy documents.

2 years, as stated by the insurer.

Room rent as stated by the insurer: No sub-limit stated (Reasonable and Customary room rent, up to Sum Insured).

Co-payment as stated by the insurer: 20% for insured persons aged 61 and above at first entry.

Maternity as stated by the insurer: Covered (Classic: Rs 25,000-50,000 by SI and delivery type) after 24 months / 3 annual premiums (self and spouse covered).

60 days before and 90 days after hospitalisation.

3 lakh, 5 lakh, 10 lakh.

Data sources

  • Manufacturer official pages

Last updated

Product details

Disclosure

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