Critical Illness Insurance Policy

Find out how this plan works for you

In critical illnesses, we know how important every minute is.
When diagnosed with a critical illness, you tend to say why me? What is important, is to be positive and prepared as well. These are times when rapid medical advancements can cure heart attacks, cancer or even stroke. What's more with the backing of the right plan, you can meet escalating medical expenses and other related costs.

Eligibility
Entry Age
Adults
18 to 65 years lifetime renewal option

Children
6 years to 25 years can be covered if parents are concurrently insured with Future Generali.

Maximum Sum Insured
Age between 18 years to 45 years
Sum insured from Rs. 1 lakh to Rs. 50 lakhs

Age between 46 years to 65 years
Sum insured from Rs. 1 lakh to Rs. 20 lakhs

Pre Acceptance Medical Tests
Age up to 45 years and insurance up to Rs. 5 lakhs
Medical tests waived subject to no adverse health declaration on the proposal form.

Age over 46 years
Medical tests required and 50% of the test charges are reimbursed, if you or family members are insured with us.

Medical Report validity
30 days from the day tests were done. Medical tests will be done in our empanelled diagnostic centre.

What's Covered

Lump Sum Benefit
In the event of diagnosis or procedures for any of the critical illnesses mentioned below, the Criti Care policy will pay a lump sum benefit. This is subject to waiting period of 90 days from the date of policy commencement and the insured's survival for a period of 28 days from the date of diagnosis or procedure.

Diagnosis of:

Cancer (cancer of specified severity)Kidney failure requiring regular dialysis Primary pulmonary arterial hypertension Liver failure Multiple sclerosis with persisting symptoms
Surgical procedure of:

Major organ/bone marrow transplant Open chest CABG (coronary artery bypass graft)Aorta graft surgery
First time occurrences such as:

Stroke leading in permanent symptoms First heart attack (myocardial infarction) of specified severity Coma of specified severity Total blindness

Top reasons why this plan is ideal for you

1 Floater Benefit
Under a single sum insured, cover yourself and your Family (family means Self, Spouse, up to 2 dependent children until 25 years and your 2 dependent parents).

2 Lump Sum Benefit
Get a lump sum benefit upon diagnosis of a critical illness or condition to get the necessary treatment

3 Quick Turnaround Time
Our average turnaround time for claims settlement is within 14 working days (Subject to all required information/documentation being submitted)

4 12 Illnesses Covered With Tax Benefits
Get Insured against 12 critical illnesses. The premium paid is exempt under section 80 D of the Income Tax Act.

5 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.

6 30 Days for Renewal
From the expiry date of the policy, you get 30 days grace period for renewal.

Exclusions of this plan
Before the Inception of Policy
If the diagnosis, medical treatment, signs or symptoms happens before the inception of policy, then you will not get cover, unless such a condition is there in the proposal form that's been endorsed.

Certain Procedures / Treatments Not Covered
A medical procedure or treatment, not medically necessary or not performed by a Doctor and birth defects and external or internal congenital Illnesses that need treatment are not covered.

Prior Occurrence or Within 90 Days of Policy
In case a critical illness has occurred prior to the period of insurance or within the first 90 days of the commencement of the insurance, the Company is not liable to make payment.

Out of Country Diagnosis
If illness is diagnosed out of country, the cover is available only if it is reaffirmed by Physician in India and Claim documents are provided in English.