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.

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Future Generali Family Criticare Plan

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply
*Tax benefit is subject to changes in tax laws. Standard T&C Apply

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    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

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