Future Generali Heart And Health Insurance Plan: The plan offers comprehensive protection against 59 critical illnesses and surgical procedures, including heart and cancer-related conditions. It covers you from the early stages of diagnosis and includes an inbuilt death benefit with no waiting period. There are four flexible options to choose from, including heart cover, critical illness cover, and options with the return of premium. The plan also provides a fixed lump-sum pay-out upon diagnosis of a covered illness or surgical procedure and offers an additional 5% discount for purchasing directly from the website. In the event of a minor condition, policyholders will be eligible for 25% of the critical illness sum assured, with a maximum claim benefit of two minor conditions. Additionally, the premium will be waived for five years or until the end of the policy term, whichever comes first (this applies only to the first minor condition claim). The policyholder will receive 50% of the critical illness sum assured for moderate conditions, with a maximum claim benefit of two moderate conditions. The premium will also be waived for five years or until the end of the policy term (this applies only to the first moderate condition claim). In the event of a major condition, the policyholder will receive 100% of the critical illness sum assured.