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COMMERCIAL INSURANCE

Future Health Protect – Group

FutureHealth Protect – Group

A comprehensive insurance product to choose from a range of permutations to guard you and your family members in event of unfortunate incidences.

The product can be availed by loan borrowers and non-loan borrowers of Banks and Financial Institutions.

Salient features:

  • This policy is offered to loan borrowers and non-loan borrowers of financial institutions on Group basis, as per group guidelines of IRDAI.

  • The product will be offered on individual Sum Insured basis.

  • 3 Co-applicants can be covered along with 1 Primary applicant in case of Loan linked policies.

  • The group can opt for – Critical Illness cover or Personal Accident cover.

  • The policy covers maximum 20 Critical Illnesses (depending on the plan chosen).

  • Option for covering loan EMIs in the event of Loss of Job.

What's Covered
Future Health Protect – Group
Critical Illness Options of 6 (Six) plans under Critical Illness Section
Plan A Plan B Plan C Plan D Plan E Plan F
Covers 5 Critical Illnesses/ conditions Covers 9 Critical Illnesses/ conditions Covers 12 Critical Illnesses/ conditions Covers 15 Critical Illnesses/ conditions Covers 18 Critical Illnesses/ conditions Covers 20 Critical Illnesses/ conditions
Personal Accident cover Mandatory covers*
  • Accidental Death and/or
  • Permanent Total Disablement

  • Optional covers
  • Permanent Partial Disablement
  • Temporary Total Disablement

  • Loss of Job Available for salaried insureds only and having loan from Bank/ Financial Institutions.

    * Accidental Death or Permanent Total Disablement are mandatory covers.Accidental Death should have highest sum insured in Personal Accident cover.

    What's Not Covered
    • Arising or resulting from the Insured person committing any breach of the law.

    • Due to, or arising out of, or directly or indirectly connected with or traceable to war, invasion, act of foreign enemy, acts of terrorism, riots, strike, malicious acts.

    • Directly or indirectly caused by or contributed to by or arising from ionizing, radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste or from the combustion of nuclear fuel.

    • Directly or indirectly caused by or contributed to by or arising from nuclear weapon materials.

    • Directly or indirectly caused by or contributed to by or arising out of usage, consumption or abuse of alcohol and/or drugs.

    • Arising out of or as a result of any act of self-destruction or self-inflicted injury, attempted suicide or suicide.

    • Any sexually transmitted diseases.

    • Any consequential or indirect loss or expenses arising out of or related to any Insured Event.

    • arising out of or resulting directly or indirectly due to or as a consequence of pregnancy or treatment traceable to pregnancy and child birth, abortion, miscarriage and its consequences, tests and treatment relating to infertility and in-vitro fertilization.

    • Arising out of or resulting directly or indirectly while serving in any branch of the Military or Armed Forces of any country during war or warlike operations.

    • Participation in an actual or attempted felony, riot, crime, misdemeanor, or civil commotion

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

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