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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.
Adults18 – 65 years lifetime renewal option
Children6 years to 25 years can be covered if parents are concurrently insured with Future Generali.
Age between 18 years to 45 yearsSum insured from Rs. 1 lakh to Rs. 50 lakhs
Age between 46 years to 65 yearsSum insured from Rs. 1 lakh to Rs. 20 lakhs
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.
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.
Surgical procedure of:
First time occurrences such as:
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.
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.
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.
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.
Disclaimer: The above exclusions are indicative in nature, for detailed exclusions please refer the Policy Wordings
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
Email us at firstname.lastname@example.org
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.
When you become a Future Generali Health Customer, ou will receive a membership pack containing the following:
Privilege card for value added services
80D certificate if premium is paid by cheque
Policy coverage and Terms & Conditions
You can intimate your claim online or submit the form to your nearest branch or alternatively email us.
Should you have any complaints/feedback,you can fill in the form and submit it to the nearest branch or email us.
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:
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.
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.
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).
We cover 12 critical illnesses.
1. Cancer2. 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
Yes, you can cover self, spouse, children and dependant parents under family plan.
You are required to undergo medical test at our empanelled diagnostic centre.
There is no death benefit under Critical illness policy
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).
Get a lump sum benefit upon diagnosis of a critical illness or condition to get the necessary treatment
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted)
Get Insured against 12 critical illnesses. The premium paid is exempt under section 80 D of the Income Tax Act.
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.
From the expiry date of the policy, you get 30 days grace period for renewal.
Within 30 days from the expiry date of your policy, renew it and enjoy continuous benefits
If dissatisfied and made no claim, you can opt for cancellation of the policy within 15 days of receipt of the policy documents. Refund is as per the policy terms and conditions *
* Refer brochure for complete details.
** Family connotes Self, Spouse and 2 dependent children upto the age of 25 years and your 2 dependent parents
*** Subject to all necessary documentation/information submitted.
DOWNLOADS Brochure Proposal Form / Prospectus Claim Form
Disclaimer For complete details of Policy coverage, terms, conditions and exclusions, please refer the policy wordings. Click here to view Policy Wordings.
Product Name:-Future Criticare UIN NO:-IRDA/NL-HLT/FGII/P-H(C)/V.I/74/13-14 Launch Date:-24-Jun-2013
Ganpat R Mali
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