Future Generali Criticare Critical Illness Plan

Entry Age

For Adults: Minimum age- 18 years

Maximum age - 60 years.

For Children: Minimum age – 6 years

Maximum age – 25 years.

Basis

This is a Family Floater plan which allows you to include yourself, up 2 dependents children and 2 dependent parents. Besides, the plan is available on Individual basis as well.

Renewability

Lifelong renewability is available under this policy.

Special Features

The policy comes with the following features:

• Get a free look period of 15 days within which you can return your policy if you are not happy and satisfied with the terms.
• A 30 day grace period from the date of expiry of the policy.
• Policy renewal is available.
• The policy does not offer death benefits.
• Maximum policy term is 1 year.

Medical

Medical test are done at Future Generali’s emplaned health centers.

Sum assured

Maximum: Rs. 1 lakh to Rs. 50 lakhs for policyholders belonging to the age group of 18 years to 45 years and Rs. 1 lakh to Rs. 20 lakhs for the age group between 46 to 65 years.

Premium

Premiums vary based on sum assured and age of the life insured.

Policy coverage

The policy covers the following conditions:

• The policy provides lump sum benefits which is subject to a 90 day waiting period from the date of starting the policy.
• It includes diagnosis of Cancer, Kidney failure needing dialysis, arterial hypertension, Liver failure and Multiple sclerosis.
• The policy also includes surgical procedures like organ or bone marrow transplant, Coronary Artery Bypass graft and Aorta Graft Surgery.
• The Citi Care policy also cover Stroke leading in permanent symptoms, First heart attack , Coma of specified severity and Total blindness.

Benefits

The Future Generali Critical Illness Plan comes with the following benefits :

• The policy covers 12 critical illnesses.
• Get tax benefits for the premiums paid on your health insurance policy under Section 80D of the Income Tax Act, 1961.
• Quick turnaround time which is 14 days.
• Easy claim settlement procedures.

Discounts

The plan offers discounts on Family Floater schemes. The discounts ranges between 5% to 50% based on different age groups.

Exclusions

The Future Generali Critical Illness Plan policy does not cover any illness occurring before the inception of the policy, Medical treatments not performed by doctors, disease occurring before 90 days of the commence of the policy. The policy also does not include diagnosis done outside the country.