Future Generali Criticare Critical Illness Plan

Although treating critical illness is not impossible, it is expensive. You may end up completely spending your savings by treating your or your dependents critical illness. So, it is really important you purchase health insurance and protect yourself to be financially ruined. Future Generali General Insurance Company understands the importance of health insurance and that is why it comes up with this comprehensive critical Illness plan called Future Generali Critcare Plan. The Future Generali Critical Illness Plan provides to meet your medical costs incurred in treating critical illness. This is a family floater plan that enables you to include your parents and children under the same policy. The policyholder needs to go through medical test before purchasing this policy. The policy provides coverage for nearly 12 critical illnesses.

Features and benefits of 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.

***The above-mentioned information is indicative only. Please read the policy document before purchasing the policy.

Other Health Insurance Plans from Future Generali:

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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