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Critical Illness Insurance

Critical Illness


Find out how this plan works for you

In critical illnesses, we know how important every minute is.

When diagnosed with a critical illness, you tend to say “why me?” What is important, is to be positive and prepared as well. These are times when rapid medical advancements can cure heart attacks, cancer or even stroke. What’s more with the backing of the right plan, you can meet escalating medical expenses and other related costs.

Eligibility

Entry Age

Adults
18 – 65 years lifetime renewal option

Children
6 years to 25 years can be covered if parents are concurrently insured with Future Generali.

Maximum Sum Insured

Age between 18 years to 45 years
Sum insured from Rs. 1 lakh to Rs. 50 lakhs

Age between 46 years to 65 years
Sum insured from Rs. 1 lakh to Rs. 20 lakhs

Pre Acceptance Medical Tests

Age up to 45 years and insurance up to Rs. 5 lakhs
Medical tests waived subject to no adverse health declaration on the proposal form.

Age over 46 years
Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.

Medical Report validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

What’s Covered

  • Lump Sum Benefit

    In the event of diagnosis or procedures for any of the critical illnesses mentioned below, the Criti Care policy will pay a lump sum benefit. This is subject to waiting period of 90 days from the date of policy commencement and the insured's survival for a period of 28 days from the date of diagnosis or procedure.

Diagnosis of:

  • Cancer (cancer of specified severity)
  • Kidney failure requiring regular dialysis
  • Primary pulmonary arterial hypertension
  • Liver failure
  • Multiple sclerosis with persisting symptoms

Surgical procedure of:

  • Major organ/bone marrow transplant
  • Open chest CABG (coronary artery bypass graft)
  • Aorta graft surgery

First time occurrences such as:

  • Stroke leading in permanent symptoms
  • First heart attack (myocardial infarction) of specified severity
  • Coma of specified severity
  • Total blindness

Exclusions of this plan

  • Before the Inception of Policy

    If the diagnosis, medical treatment, signs or symptoms happens before the inception of policy, then you will not get cover, unless such a condition is there in the proposal form that’s been endorsed.

  • Certain Procedures / Treatments Not Covered

    A medical procedure or treatment, not medically necessary or not performed by a Doctor and birth defects and external or internal congenital Illnesses that need treatment are not covered.

  • Prior Occurrence or Within 90 Days of Policy

    In case a critical illness has occurred prior to the period of insurance or within the first 90 days of the commencement of the insurance, the Company is not liable to make payment.

  • Out of Country Diagnosis

    If illness is diagnosed out of country, the cover is available only if it is reaffirmed by Physician in India and Claim documents are provided in English.

  • To view the list of Non – Payable items, click here.

 

Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings

How can you buy this Policy?

Buy your Health Insurance Plan

We at Future Generali are committed to serve you and provide you convenient options to

  • Visit any of our nearest Branch office

  • Call us on our helpline numbers

    1800-220-233

       1860-500-3333

       022-67837800

  • Email us at fgcare@futuregenerali.in

  • SMS “PRODUCT” to 9222211100 and we will arrange a call back.

Good health adds years to your life. Secure your family today by buying Future Generali Health Insurance Plan.

What happens next after you have purchased

When you become a Future Generali Health Customer, you will receive a membership pack containing the following:

  • Claim Form

    You can intimate your claim online or submit the form to your nearest branch or alternatively email us.

  • Complaint / Feedback Form

    Should you have any complaints/feedback, you can fill in the form and submit it to the nearest branch or email us.

  • Grievance Redressal

    Procedure along with list of ombudsman addresses. In case you are not satisfied with the resolution to the complaint as provided by us, you may approach the Insurance Ombudsman for review.

  • You can expect to receive this pack within 12-15 working days of purchasing our health insurance.


Making a Claim

At Future Generali, we will do everything to make your claim as simple and convenient. And here are few reasons why:

  • We have an in-house claim settlement team that processes your claims within 14 working days from the time we receive your complete claim documents.

  • In order to get the periodic update on your claim, please ensure to mention your mobile number and e-mail Id on the claim form.

  • Find out more about how to make a claim or check out our claim process.

  • In-house team of professionals who can give specialised advice.

Contact our Helpline

In case you wish to speak to our experts about your policy, you can call us on:

1800-220-233

   1860-500-3333

   022-67837800

You ask. We answer.

I have Health Insurance, why should I take separate Critical Illness policy?
Can I get Critical Illness claim in cashless mode?
What do you mean by Survival period?
How many Illnesses are covered under your Criticare product?
Can I avail this policy under floater option / family plan?
Do I need to undergo medical tests for taking this policy?
Does your policy have any death benefit?

Top reasons why this plan is ideal for you


1

Floater Benefit

Under a single sum insured, cover yourself and your Family (family means Self, Spouse, up to 2 dependent children until 25 years and your 2 dependent parents).

2

Lump Sum Benefit

Get a lump sum benefit upon diagnosis of a critical illness or condition to get the necessary treatment

3

Quick Turnaround Time

Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted)

4

12 Illnesses Covered With Tax Benefits

Get Insured against 12 critical illnesses. The premium paid is exempt under section 80 D of the Income Tax Act.

5

Free Look Period

If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.

6

30 Days for Renewal

From the expiry date of the policy, you get 30 days grace period for renewal.

Enjoy our value added services with Future Generali Health Privileges.

Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.