Health Insurance 221 views March 1, 2021

Critical illnesses often need more attention as compared to other medical emergencies. One of the greatest concerns for individuals upon diagnosis of a critical illness is whether they can afford its treatment or not? But if you have chosen the Future Generali Family Criticare Health Plan, you don’t need to worry about expenses towards a critical illness. This plan from Future Generali understands this concern and provides benefits to take care of miscellaneous expenses, in case the insured member is diagnosed with a critical illness.

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Before going any further, let’s look at some of the key highlights of the Future Generali Family Criticare Health Plan so that you can get an idea about the same. Please check!

  1. Sum insured options up to INR 50 lakh
  2. No pre-policy medical checkup up to the age of 45 years
  3. Reimbursement of the pre-policy check (if advised)
  4. Lump sum benefit in case of a diagnosis
  5. The flexibility of choosing the individual as well as floater sum insured basis
  6. Tax benefits
  7. Family Floater discounts
  8. A 15-day free look period

Now that you have understood the striking features of this special plan for individuals diagnosed with a critical illness, it’s time to know them in detail. On this page, we will be discussing the same. Keep reading to know more!

What is the Sum Insured under the Future Generali Family Criticare Health Plan?

In the case of the Future Generali Family Criticare Health Plan, the minimum sum insured stands at INR 1,00,000, while the maximum sum insured depends on the age of individuals. For people who are 45 years or above, it can go up to INR 50,00,000. Individuals between the age of 46 and 65 years can choose up to INR 20,00,000 according to their needs.

What is the Policy Term?

Individuals can choose the policy term for up to 1 year. However, you can renew the plan lifelong without any hassle. However, the maximum sum insured will vary from one individual to another according to his or her age at the time of renewal. Check the below table to know more!

Age at the time of renewal (In Years)Maximum sum insured option (In INR)
66-7010 lakh
71-755 lakh
Above 752 lakh

What is the Premium Amount for Future Generali Family Criticare Health Plan?

The premium amount will depend on the chosen sum insured and the age of the individual at the time of entry. In the case of the Future Generali Family Criticare Health Plan, the minimum premium amount stands at INR 262 per year plus GST for individuals between 6 and 25 years for a sum insured of INR 1 lakh. The maximum amount can be INR 2,65,660 for individuals of 61 to 65 years with a sum insured of INR 50 lakh.

Let’s Understand the Benefits of Future Generali Family Criticare Health Plan in Detail

This Plan ensures your family is not alone in case of a life-threatening situation due to a critical illness. This plan is a unique standalone critical benefit plan that insures you against 12 critical illnesses. We are showing its key benefits in detail so that you can have an understanding. Do check!

Critical Illnesses Coverage

With this benefit, you will get a fixed sum as a lump sum benefit in case of a diagnosis of a critical illness so that you can take care of all the expenses. There are 12 specified critical illnesses against which you get the coverage as told above. However, these illnesses should be diagnosed after 90 days from the policy commencement date. You can check the list of critical illnesses below.

  1. Cancer of specified severity
  2. Kidney failure requiring regular dialysis
  3. Primary pulmonary arterial hypertension
  4. Liver Failure
  5. Multiple sclerosis with persisting symptoms
  6. Major organ or bone marrow transplant
  7. Open Chest CABG (Coronary Artery Bypass Graft)
  8. Aorta Graft Surgery
  9. Stroke resulting in permanent symptoms
  10. First Heart Attack of specified severity
  11. Coma of specified severity
  12. Total blindness

Do remember that you and your family members can claim the entire sum assured under the plan upon the survival of 28 days from the first diagnosis or actual undergoing of the surgical procedures.

Family Floater Discounts

On choosing a family floater plan, the maximum sum insured can be provided up to the sum insured eligibility of the eldest member. Here, family means self, spouse, 2 dependent children (up to 25 years), and 2 dependent parents. The discount on the premium for other dependent members will be according to the below table.

Age Group (In Years)Premium Discounts
6-2550%
26-3030%
31-3530%
36-4030%
41-4520%
46-5010%
Above 515%

Free Look Period

If you are dissatisfied with any of the terms of the plan from Future Generali, you will get a free look period of 15 days within the receipt of the policy. During this period, you can return the policy to the company.

Future Generali Family Criticare Health Plan Eligibility Criteria

Don’t forget to check out the eligibility conditions related to the Future Generali Family Criticare Health Plan mentioned below.

  1. The policy can be taken both on an individual as well as on a family floater basis according to your needs.
  2. The minimum age at entry can be 6 years that can go up to 65 years.

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