Health insurance is important for individuals as well as families. A health insurance policy helps people to avail quality health facilities by offering financial assistance to cover the medical treatment cost. Medical inflation has made it difficult for people to afford expensive medical treatment on their own without exhausting their savings. Moreover, if a person is suffering from a critical illness, there are high chances of earning a debt given the long-term medical expenses involved. Unfortunately, most regular health plans do not cover critical ailments.
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Treatment of a critical illness should be ignored as it can be fatal. Even though regular health plans do not cover critical ailments, you can get it covered with the help of a critical illness insurance policy. Critical illness insurance is a type of health insurance policy that provides coverage for the treatment cost of critical ailments. It solves the problem of affording the treatment for a critical illness, which is mostly excluded by regular health policies.
In India, there is no dearth of health insurance companies that offer critical illness insurance plan to its customers. Future Generali India Insurance Company Ltd. is one such well-known health insurer that provides a critical illness insurance plan. The company offers Future Criticare plan to everyone seeking a health policy to cover the treatment cost of critical diseases.
Future Criticare plan provides coverage to people between the age of 6 years and 65 years and comes with a lifetime renewal option. Moreover, this plan by Future Generali health insurance offers a sum insured ranging from Rs 1 lakh to Rs 50 lakh. However, the sum insured restricts to Rs 20 lakh for people between the age group of 46 years to 65 years.
Here are six reasons to consider buying Future Criticare critical illness insurance plan from Future Generali health insurance:
1. Floater Coverage
The Future Criticare plan provides the applicant with floater coverage. This means that you and your family members can be covered under this plan under a single sum insured. The sum insured amount is shared with all the covered family members. Therefore, it eliminates the need for buying individual policies by each member of the family. However, only six family members can be covered under this plan, including the policyholder, the spouse, up to two dependent children and two dependent parents.
2. Lump Sum Payout
This critical illness insurance plan by Future Generali health insurance provides a lump sum payment of the sum insured amount. This means once your critical illness is diagnosed, the insurance company will pay you the entire sum insured in one go. It will not make the payment in monthly or annual instalments. Thus, you get the freedom to pay your medical bills immediately and opt for essential facilities as per your needs without waiting for your next instalment. However, the lump sum payment will be made only after a waiting period of 90 days and a survival period of 28 days from the policy start date.
3. 12 Critical Illnesses Covered
The Future Criticare plan provides coverage for the treatment cost of 12 critical ailments. These include diagnosis of cancer, liver failure, kidney failure, primary pulmonary arterial hypertension, multiple sclerosis and total blindness. The plan also includes first time occurrence of stroke, coma and myocardial infarction or first heart attack. Moreover, this critical illness policy also covers surgical procedures, such as aorta graft surgery, open chest CABG (Coronary Artery Bypass Graft) and major bone marrow or organ transplant.
4. No Pre-Acceptance Medical Test Up to 45 Years
Another reason to opt for Future Criricare plan is the absence of a pre-acceptance medical test for applicants up to the age of 45 years. People up to the age of 45 years do not have to undergo a medical check-up to buy this policy, provided no adverse health condition is declared in the proposal form. On the other hand, people above the age of 45 years will be required to appear for a pre-policy medical test. Future Generali India Insurance Company Ltd. will reimburse half of the total expenses incurred on the medical tests if you buy this policy.
5. Wide Cashless Hospital Network
Future Generali India Insurance Company Ltd. comes with a wide network of empanelled hospitals. Network hospitals enable you to avail cashless medical treatment for your critical illness. This means you are not required to pay the hospital bill as it is settled directly by the insurance company. Future Generali health insurance has a collaboration with more than 6000 hospitals across the country. Thus, there are high chances of your finding a network hospital in your neighbourhood.
6. Quick Claim Settlement
Future Criticare plan comes with a quick turnaround time of 14 working days. This means that the Future Generali India Insurance Company Ltd. will settle your claim within 14 working days only. All you need to do is make sure that you provide the insurer with all the required information and documents on time.
Battling with a critical illness can drain you physically, mentally as well as financially. The only way to deal with them is by keeping a positive outlook and buying a critical illness insurance policy. Future Criticare by Future Generali health insurance is a great pick when it comes to buying a dependable and efficient policy to cover the treatment cost for critical ailments. Do go through the aforementioned reasons and make an informed decision on buying a critical illness policy for yourself.
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