Future Generali Family Criticare Plan

This plan offers monetary benefit to take care of miscellaneous expenses if insured person is ever diagnosed with a critical illness.Future Criti-Care is a standalone critical benefit plan that insures against twelve critical illnesses. If the insured people diagnoses with one of these, they will be provided with a fixed sum, regardless of their actual medical expenses.

Key Features

  • Family means and includes you, the spouse, first two dependent children and two dependent parents.
  • Upon survival of 28 days from the first diagnosis / actual undergoing of the surgical procedures that are mentioned above, the insured and his/her family members can claim the entire sum insured under the policy
  • The entire sum insured amount as a lump sum is received, thus helping to plan the treatment accordingly
  • No medical examination up to the age of 45 years and sum insured up to 5 lakhs, subject to the proposal form having no adverse medical declarations
  • Pre-policy checkup, if advised, has to be done in our empanelled diagnostic center. Up to 50% cost of the diagnostic tests charges would be reimbursed for accepted cases wherein the policy has been issued. The test reports would be valid for 1 month.
  • Maximum Policy term is 1 year.

Benefits

The policy provides cover against the following critical illnesses:

  • Cancer of specified severity.
  • Kidney failure requiring regular dialysis.
  • Primary pulmonary arterial hypertension.
  • Multiple sclerosis with persisting symptoms.
  • Major organ/bone marrow transplant
  • Open Chest CABG( Coronary Artery Bypass Graft)
  • Aorta graft Surgery
  • Stroke Resulting in Permanent Symptoms
  • First Heart Attack of specified severity.
  • Coma of Specified Severity.
  • Total Blindness.

Details about Premium

Annual premium in Rupees exclusive of taxes

Sum Insured/ Age

6-25 years

26-30 years

31-35

36-40

41-45

46-50

51-55

56-60

61-65

1 Lakh

262

320

391

636

933

1746

2598

4614

5768

2 Lakhs

487

601

740

1229

1821

3166

4869

8247

10309

3 Lakhs

711

881

1090

1822

2709

4597

7140

11880

14850

-------

------

------

-------

-------

------

------

-------

------

-------

48 Lakhs

12315

15006

18312

30011

44171

69737

110565

175367

255123

49 Lakhs

12523

15234

18662

30605

45059

71157

112357

179274

260392

50 Lakhs

12765

15567

19011

31197

45947

72578

115865

183568

265660

*The above rates may vary. Please check the policy wordings for more details.

Policy Details

Min Sum Insured: Rs.1,00,000

Max Sum Insured: Rs.50,00,000 (for age<=45 years)

Rs:20,00,000(for age 46 years-65 years)

Coverage type: Individual/Family Floater

Grace period: Grace Period of 30 days for renewing the policy is provided under this policy.

Renewal Policies: The policy if renewed continuously without any break will be renewed lifelong.

Policy termination: You may cancel this insurance by giving at least 15 days written notice, and if no claim has been made then premium will be refunded on short term rates for the unexpired Policy Period as per the rates detailed below.

Period on risk

Rate of premium refunded

Up to one month

75% of annual rate

Up to three months

50% of annual rate

Up to six months

25% of annual rate

Exceeding 6 months

Nil

Additional features or riders

  • Discounts:
      • Family Floater Discounts

Age group (years)

Premium Discount

6-25

50%

26-30

30%

31-35

30%

36-40

30%

41-45

20%

46-50

10%

Above 51

5%

 

*The above rates may change. Please check the policy wordings for more details.

Exclusions

  • Any condition, ailment, injury or related condition(s) for which you have been diagnosed, received medical treatment, had signs and / or symptoms, prior to the inception of your first policy until 48 months from the date of inception.
  • Any disease contracted during the first 30 days from the commencement of the policy
  • Non-allopathic treatment
  • Congenital diseases
  • All expenses related to AIDS and related diseases
  • Joint replacement surgery shall be covered after a waiting period of 3 years, unless required due to an accident
  • Use of intoxicating drugs or alcohol

Documents Required

  • Claim form
  • Discharge certificate/card from the hospital
  • Attending Doctor's / Consultant's / Specialist's certificate regarding diagnosis.
  • Surgeon's certificate stating nature of operation performed and Surgeon's bill and receipt
  • Indoor case papers from the hospital

Eligibility

  • Minimum Age- 6 Years
  • Maximum Age- 65Years
  • Maximum Policy Term- 1 Year
Written By: PolicyBazaar - Updated: 17 December 2020

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