Critical Illness Insurance
Critical Illness Insurance Policy
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.
18 – 65 years lifetime renewal option
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.
- 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.
- 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
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, ou 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:
You ask. We answer.
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.
2. First Myocardial Infraction
3. Coronary Artery Bypass Graft (CABG)
4. End Stage Renal Failure
5. Major Organ Transplant
7. Multiple Sclerosis
8. Aorta Surgery Graft
9. Primary Pulmonary Hypertension
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
Top reasons why this plan is ideal for you
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).
Lump Sum Benefit
Get a lump sum benefit upon diagnosis of a critical illness or condition to get the necessary treatment
Quick Turnaround Time
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted)
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.
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.
30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.
Rarely have I come across any insurance company which has the fastest claim settlement as yours. Indeed a very pleasant experience. Thank You!
I have used many insurance policies for my car, but I found FUTURE GENERALI is the best amongst all companies. Service is really very fast and the large number of garages are working for perfect recovery.
Ganpat R Mali
This is the second time that the entire claims process have been handled & supervised very efficiently. Thank you for your support in this & we cherish our relationship on a continued basis.
Appreciate the way my case was handled by providing timely claim settlement. This will definitely impact to me positively leading to positive word of mouth. I will definitely renew my insurance policy with future Generali only and also suggest in my friend circle.
Claims with insurance companies are very difficult to recover, but with Future Generali I never got that feeling. From day one I was informed that my claim would be pass and that I shouldn't worry. I am very satisfied with Future Generali.
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