Entry Age

For Adults: Minimum age- 18 years

Maximum age - 70 years.

For Children: Minimum age - 3 months

Maximum age – 25 years.

Basis

It is a Family Floater.

Renewability

The policy comes with the option of lifetime renewal for adults.

Special Features

The policy comes with the following features:

• A 30 day grace period from the date of expiry of the policy.
• A free look period of 15 days.
• Policy portability is available.
• The policy can be purchased online.
• Maximum policy term is 1 year.

Sum assured

Minimum : Rs. 5 lakhs for entry age above the age of 55 years and

Maximum: Rs. 10 lakhs for entry age up to 55 years.

Premium

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

Policy coverage

The policy covers the following conditions:

• Cost incurred in pre and post hospitalization which include 60 days prior to hospitalization and 90 days post hospitalization.
• It provides patient care expenses up Rs. 350 daily for patients above the age of 60 years.
• It also includes the expenses caused to accompanying person. The policy offers up Rs. 500 per day.
• The plan provides coverage for 130 day care procedures
• It also includes ambulances charges up to 1500.

Benefits

The policy comes with the following benefits :

• Get free health check-ups at selected diagnostic centers after every 4 claim free years.
• Quick turnaround time which is as low as 90 minutes for cashless claims. Reimbursement claim settlement is done within 14 days.
• Quick and easy claim settlement procedures.
• Enjoy cumulative bonus up to 10%.
• Get tax benefits under Section 80D of the Indian Income Tax Act, 1961.

Bonus

The policy offers cumulative bonus of 10% after each claim free year. To enjoy this bonus, you need to renew the policy continuously with Future Generali. The policy offers bonus maximum up to 50%.

Exclusions

The policy does not cover the following medical conditions: Disease detected within 30 days from the commencement for the policy, expenses related to AIDS and joint replacement surgery, injuries caused by alcohol or drug related abuses, non-allopathic treatment expenses, congenital diseases,