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Future Generali Health Insurance Plans Overview

Future Generali health insurance offers 2 health insurance plans. The premium of these plans starts from Rs. 262/yr. The sum insured ranges from Rs. 1 Lakh - 50 Lakh. Details of the comprehensive coverage provided by the following 2 Future Generali health insurance plans are listed below:

Future Criticare Plan

Starting Premium- ₹ 262/yr

This is a critical illness policy wherein a fixed sum insured is paid if the insured suffers from any of the covered critical illnesses

The benefits of the plan are as follows

  1. Twelve critical illnesses are covered under the plan
  2. The plan can be taken on a family floater basis covering wife and dependent children

Eligible Age

6 years - 65 years

PED Waiting Period

4 years

Coverage

1 Lakh - 50 Lakh

NCB

NA

Future Generali Cancer Protect Plan

Cases of cancers are skyrocketing each day. It not only affects health but also puts a massive financial burden on your shoulder. Future Generali Cancer Protect Plan eases your financial burden, keeping you psychologically and financially stable and secure in case you or your family member is diagnosed with cancer.

The main features of the Future Generali Cancer Protect Plan are given below:

  1. Future Generali Cancer Protect Plan insures you for the diagnosis and treatment of various stages of cancer
  2. The plan can be purchased anytime, anywhere without the need for any medical examination
  3. The minor stage cancer benefit will be paid once during the entire lifetime
  4. It provides a lump sum benefit on the diagnosis of major stage cancer, along with other additional benefits.You get various options in the plan for major-stage cancer
  • Lump-sum financial benefit
  • Lump-sum benefit, along with a fixed monthly income of 2% of the sum assured for 60 months on the detection of the major stage cancer
  1. In case of minor stage cancer, till the policy term ends or for the upcoming 3 years, whichever is earlier, the premium will be waived
  2. The rates of premiums are guaranteed from the date of policy issuance for 5 years and then for a period of each block of three years
  3. In case of any disagreements or dissatisfactions, you can return the policy to the company within 15 days.And if the policy is sold to you via any direct marketing method of the company, the limitation for returning the plan is 30 days
  4. As soon as you pay for a single premium, the plan acquires a Surrender Value instantly. It gives the policyholder the power to terminate the plan anytime by surrendering the plan for a surrender value
  5. In the case of the single premium option, the surrender benefit will be equal to the single premium
  6. You’ll receive a grace period of 30 days to pay your premiums in annual mode if you have missed your premium, however, the grace period is 15 days in case of Monthly premiums
  7. The premiums that you pay are eligible for availing tax benefits as well however, tax benefits are prone to change

Eligible Age

1 year - 65 years

PED Waiting Period

4 years

Coverage

10 Lakh - 40 Lakh

NCB

NA

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FAQs

Indemnity health insurance plans are those which cover the actual medical costs that you incur subject to a maximum of the sum insured opted by you. Thus, if you have coverage of INR 5 lakhs but your medical bills total INR 1 lakh the policy would pay only INR 1 lakh in claims

Yes, the premium of a continuous policy would have to be paid at once. However, Future Generali allows you easy instalment facility wherein you can pay the premium in instalments if you want

No, Future Generali does not load the premiums due to your claim experience. So, even if you make a claim in your health insurance policy, the premium would not increase on renewals.

Future Generali allows dependent parents to be covered under some of its health insurance plans. So, you need to check whether the plan that you want to buy allows coverage for dependent parents or not. It is, however, better to cover dependent parents in a separate health insurance plan so that they can be covered optimally and you can also claim an additional tax benefit on the premiums that you pay for their plan.
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