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Future Generali Heart and Health Insurance Plan

A comprehensive health protection plan, that safeguards you and your family against financial risks arising out of any defined unforeseen medical emergency.

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Future Generali Heart and Health Insurance Plan

This is an Individual, Non-linked, Non-participating (without profits), Health and Life Insurance Plan.

*59 Critical Illnesses are covered under Critical Illness Cover (Option 2) and Critical Illness Cover with Return of Premium (Option 4).

Future Generali Heart and Health Insurance Plan

Individual, Non-Linked, Non-Participating (without-profits), Health and Life Insurance Plan

Life is about enjoying all big and small moments with those who matter to you. And, these moments are best enjoyed when you are healthy and worry free. The modern lifestyle however, exposes us to many risks arising on account of lack of exercises, irregular eating schedule, sedentary work habits and erratic sleep patterns etc. Therefore, while prevention is the best solution, preparedness is equally important.

Presenting the Future Generali Heart and Health Insurance Plan, a comprehensive health protection plan, that safeguards you and your family against financial risks arising out of any defined unforeseen medical emergency. The plan provides a fixed financial benefit that will help you cover medical costs, especially in case of critical illness which require a long term treatment, cost of second opinions, post treatment nursing and above all a loss of income during the affected period.

Why should you buy the Future Generali Heart and Health Insurance Plan?

Comprehensive Critical Illness Cover - The plan provides comprehensive cover against 59 Critical Illnesses and surgical procedures including Heart and Cancer related ailments.

Cover from Early Stages - The plan covers you on diagnosis of any of the listed conditions whether it is in Minor, Moderate or Major Stage.

Flexibility to Choose Your Protection Plan - The plan provides the following 4 flexible options to ensure you have an ideal cover which is best suited to your health needs:
a) Option 1 - Heart Cover: Provides cover for Minor, Moderate and Major Stage Heart Related Conditions. Covers 18 Critical Illnesses.

b) Option 2 - Critical Illness Cover: Provides cover for Minor, Moderate and Major Stage Heart Related, Cancer Related and other Critical Illness Conditions. Covers 59 Critical Illnesses.

c) Option 3 - Heart Cover with Return of Premium: Provides cover for Minor, Moderate and Major Stage Heart Related Conditions along with the added benefit of all your paid premiums being returned to you at maturity. Covers 18 Critical Illnesses.

d) Option 4 - Critical Illness Cover with Return of Premium: Provides cover for Minor, Moderate and Major Stage Heart Related, Cancer Related and other Critical Illness Conditions along with added benefit of all your paid premiums being returned to you at Maturity. Covers 59 Critical Illnesses.

Lumpsum Payout on Diagnosis - Mediclaim policies offer only hospitalization expenses basis the bill amount and the claim settled may not be sufficient to cover all your expenses. Future Generali Heart and Health Insurance Plan pays out a lump sum on diagnosis of any of the listed conditions which can help you take care of both medical and other incidental costs like travel expenses for a second opinion and treatment, rehabilitation, nursing at home and counseling costs post treatment, loss of income during the treatment and recovery period etc.

Inbuilt Death Benefit - The plan has an Inbuilt Death Cover equal to
a. 10 times of annualized premium

b. 105% of total premiums paid

c. 25% of the sum assured.

d. Guaranteed Maturity Sum Assured, if any

The death benefit will be available from day 1 i.e. without any waiting period.

Multiple Claim Benefit - You can claim up to 2 times under the minor stage and up to two times under moderate stage claim category provided you have not exhausted your Critical Illness Sum Assured.

Waiver of Premium Benefit - If you are diagnosed with any of the defined minor or moderate conditions, your premiums will be waived for the following 5 years. This means that the plan continues without you having to pay premiums for 5 years. This benefit shall be applicable only once during the Policy Term.

Buy for Self and Family - You can also buy this plan for Your Spouse, Children, Parents, Parent-in-Laws, Brothers and Sisters. You will have to buy individual policy for each family member.

High Cover at Low Premium - A 35 year old male may get Rs. 10 lakh Critical Illness Cover for 10 years for a monthly premium of about Rs. 471 including applicable taxes.

Tax Benefit - You can claim tax deductions for the premiums pay and the claim amount under Section 80C, 80D and 10(10D)

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