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.

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