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With increasing human illness caused by mosquitoes, ticks, and fleas, our product provides lump sum benefit in case you are diagnosed and hospitalised with .
Future Vector Care is a health insurance product that provides a lump sum benefit in case the insured is diagnosed and hospitalised due to serious diseases caused by vectors.
Self, Spouse, Up to 3 Dependent children (Unmarried and up to the age of 25 years) and 2 dependent parents
Pre-insurance medical examination:
No pre-insurance medical examination test is required, irrespective of the sum insured and age of the insured.
What's Covered
Lump Sum Benefit
Lump-sum payment of 100% will be made if the policyholder gets hospitalized due to any of the following conditions:
-Malaria
-Dengue
-Lymphatic Filariasis
-Kala-azar
-Japanese Encephalitis
-Chikungunya
-Zika Virus
Other features:
-Long-term discount up to 7.5% applicable in case of upfront premium payment for long term policy
Loading on Claim experience:
There will be no loading on premium for adverse claims experience
Top reasons why this plan is ideal for you
1Lump Sum Benefit
Get a lump sum benefit if the policyholder gets hospitalized due to any of the listed conditions
Free look period
If you are not satisfied with the coverage, and terms and conditions of the policy, you can opt for cancellation of the policy within 15 days from the date of receipt of the policy documents, provided there has been no claim and you shall be entitled to a refund as per the policy terms and conditions.
3 Restoration of Sum Insured
If any of the listed conditions occur, 100% of sum insured shall be paid (subject to other terms and conditions mentioned in the policy document) and the sum insured shall be exhausted. Policy shall be reinstated automatically by deduction of pro-rata premium from the payable claim amount for the remaining duration of the policy year.
4. 30 days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal
Exclusions of this plan
Any condition other than Malaria, Lymphatic Filariasis, Dengue Fever, Japanese Encephalitis, Kala Azar, Chikungunya or Zika virus as defined under this policy
Any condition with respect to the covered benefits, for which the insured was diagnosed, and/or received medical advice/ treatment within the waiting period
Any treatment taken on Outpatient basis
Experimental or unproven procedures or treatments
Non-Allopathic treatment/ hospitalization
Diagnosis and treatment outside India. However, this exclusion shall not be applicable in the following countries/ cities: Canada, Dubai, Hong Kong, Japan, Malaysia, New Zealand, Singapore, Switzerland, USA, and countries of the European Union. The company may review the above list of accepted foreign countries from time to time. Claims documents from outside India are only acceptable in English language unless specifically agreed otherwise, and duly authenticated.
Waiting Periods
Waiting Period Diseases
15 days Applicable for all illnesses (not applicable on renewal).
60 days Applicable in case the insured is suffering from any one of the listed conditions at the time of taking the policy or within 60 days prior to applying for the policy
