What is Critical Illness?

A critical illness insurance policy is a specialised cover designed to protect you in times when you most need it. Critical ailments can be life-threatening and create havoc in your life.

In such situations, to ensure finances are not a concern for you, critical illness insurance provides you with adequate monetary support. Generally, a basic health plan does not cover critical ailments; and hence, a specific insurance plan is most useful.

Why buy Future Generali Criti Care plan

Floater Benefit

Unity is strength. We allow you to cover yourself, spouse and 2 dependent children up to the age of 25 years and 2 dependent parents.

Lump sum Benefit

Critical times need special support. We offer lump sum payout so that money never constrains your health

Easy and Quick Help

We come to your rescue fast. We give you your due in 14 days if everything is in order.

Free Look Period

We hold no grudges. So, even if you do not like the policy, we allow free cancellation within 15 days, subject to some conditions.

Exhaustive Cover

We provide financial protection against 12 critical illnesses.

Tax Advantages

With our Criti Care plan, you also get tax benefits under Section 80D of the Income Tax Act.

Why should you purchase the Critical Illness Insurance?

We believe in standing with you during tough times. We offer your hope and adequate support to cope with a critical illness. Our Criti Care plan covers these critical illnesses:

Cancer
Kidney failure
Liver failure
Primary pulmonary arterial hypertension
Multiple sclerosis
Major organ transplant
Open chest CABG
Aorta graft surgery
Stroke
Severe heart attack
Coma
Total blindness

If you are diagnosed with a listed critical illness or undergo surgery for any mentioned disease, we pay you a lump sum benefit. However, the policy must be 90 days old and the insured should have survived for a period of 28-day from the first diagnosis or procedure.

Minimum Policy Term :

Maximum Policy Term :

What is not covered?

EXCLUSIONS

Any birth defects or illnesses
Any procedures or treatment not performed by a doctor
Any disease diagnosed before the start of the policy
Any disease occurred before the lapse of the 90-day waiting period
Any diagnosis made in a foreign country, unless it is approved by a physician in India

What are the eligibility and sum insured in the Criti Care plan?

We secure

Adults: 18 years and 65 years of age. There is a lifetime renewal option
Children: 6 years and 25 years of age, provided the parents are simultaneously insured with us

Our maximum sum insured is

Between 1 lakh and 50 lakhs for 18 to the 45-year age range
Between 1 lakh and 20 lakhs for 46 to the 65-year age range

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

What Future Generali Health Insurance Offers

94%

Claim Settlement Ratio
3 hr

Cashless Settlement
6000

Cashless Hospitals

How can I buy Future Generali Criti Care plan?

You can purchase our policies in several ways:

You Can Call On Our HELPLINE

1800-220-233 / 1860-500-3333 / 022-67837800

SEND US AN EMAIL

fgcare@futuregenerali.in

VISIT BRANCH

Walk-in to any of our nearest branches

BRANCH LOCATOR

What happens after purchase?

Once you secure the insurance cover, you get a financial assurance for all your health needs. You also get documents for your better understanding and convenience.

Privilege card for value added services
Policy Schedule You will receive the policy schedule. It is an outline of the cover which is provided by the purchased policy. Details of the policyholder, coverage amount, additional clauses, exclusions, warranties etc will be given in this policy.
Premium Receipt You will receive the receipt of the premium amount you have paid to purchase this policy.
80D certificate if premium is paid by cheque 80D certificate if premium is paid by cheque.
Policy Coverage and Terms & Conditions This is a comprehensive document which lists down the coverage offered by the policy along with terms and conditions. It is better to read this thoroughly and highlight important points. In case of any discrepancy or doubt, do get in touch with us immediately.
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 In case you aren’t satisfied with the resolution provided by us to your complaint, then you can approach the Insurance Ombudsman. This form will have details about the procedure to approach the insurance ombudsman along with the addresses of the ombudsman.

What is the reimbursement claim process?

Our claim settlement process is fast and relaible

1

Collate Documents
Upon discharge, pay all hospital bills and collect all original documents of treatment undergone and expenses incurred
2

Claim Form

Download and fill the FG health claim form
3

Document Submission

Submit original documents to the nearest Future Generali branch
4

Claim Settlement
We will settle the claim in subject to policy terms and conditions

What is cashless claim process?

File your claim in minutes with Future Generali’s easy four-step claim process

1

Visit Hospital

Approach an insurance desk of your nearest FG Network Hospitals and show your health card for Cashless Treatment
2

Verify Yourself
The Network Hospital will verify your identity and submit duly filled pre-authorization form with Future Generali
3

Get Admitted
You get admitted without any deposit and get cashless treatment
4

Peace of Mind
Once you are discharged, the hospital will send your claim documents to FG and the authorized amount will be settled directly with the hospital

FAQs – Frequently asked questions

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What do you mean by Survival period?

Survival period means the insured survives for a period of more than or equal to 28 days from the date of the first diagnosis of the listed Critical illness/ Undergoing for the first time of the Surgical Procedures (under listed Critical illness).

I have Health Insurance, why should I take separate Critical Illness policy?

Critical Illness policy is a benefit policy which pays a lump sum amount on happening (diagnosis/surgery) of named critical illness. In contrast Health Insurance is an indemnity product which reimburses for incurred medical expenses with an option of cashless facility. Having both these covers is advisable to take care of any major financial crisis.

Do I need to undergo medical tests for taking this policy?

You are required to undergo medical test at our empanelled diagnostic centre.

Can I get Critical Illness claim in cashless mode?

No, the claim is paid on reimbursement basis. This being a benefit policy full sum insured is paid to the insured after survival period of 28 days.

How many Illnesses are covered under your Criticare product?

We cover 12 critical illnesses.

1. Cancer
2. First Myocardial Infraction
3. Coronary Artery Bypass Graft (CABG)
4. End Stage Renal Failure
5. Major Organ Transplant
6. Stroke
7. Multiple Sclerosis
8. Aorta Surgery Graft
9. Primary Pulmonary Hypertension
10. Coma
11. Total Blindness
12. Liver Failure

Can I avail this policy under floater option / family plan?

Yes, you can cover self, spouse, children and dependant parents under family plan.

Does your policy have any death benefit?

There is no death benefit under Critical illness policy.