Many common critical illnesses arrive without any symptoms or signs, and usually cost a fortune. While it is never desirable under any circumstances, critical illnesses become a bit inevitable at certain ages. However, there is a possible solution to this problem in the form of Future Generali Future Criticare health plan.
What is Future Generali Future Criticare plan?
Future Generali Future Criticare is one-of-a-kind health insurance plan which is especially designed to safeguard you at the event of serious critical illness. It covers as many as twelve (12) illnesses that are categorized as life-threatening.
Eligibility Criteria
| Particulars | Details |
| Entry Age | Min: 6 years
Max: 65 years |
| Policy Term | 1 year |
| Renewal | Lifelong |
| Sum Insured | Min: Rs.1 lakh
Max: Rs.50 lakh (age=<45 years) Rs.20 lakh (age 46 – 65 years) |
What all Future Generali Future Criticare plan covers?
As this is not an indemnity plan but a custom-made critical illness cover, it covers treatment costs only for the following diseases:
- Cancer (it includes leukemia, lymphoma, and sarcoma)
- Kidney failure that requires regular dialysis for functioning
- Primary Pulmonary Arterial Hypertension
- Liver Failure
- Multiple Sclerosis with Persisting Symptoms (clinical impairment of motor or sensory function)
- Aorta Graft Surgery
- Stroke Which has Induced Permanent Symptoms
- Major Organ Transplant/Bone Marrow Transplant
- Myocardial Infarction (First Instance of a Heart Attack)
- Severe Coma (No response to external interaction for more than 96 hours)
- Complete Blindness
Claim Process
To make a claim, you need to make sure your medical condition for which you underwent treatment or surgery is listed for the claim. If it is, you are required to inform Future Generali about the same as soon as possible. This needs to be done in writing with the following supporting documents:
- Claim Form
- Discharge Certificate/Papers from the hospital
- Doctor’s Certificate regarding the diagnosis
- Certificate from Surgeon explaining the nature of surgery performed along with the bill and receipt
- Any other document asked by the insurance company
It is crucial to check the documents before applying for claim as any error or discrepancy can delay the payment received from the company. The original documents such as x-rays, blood tests and other reports are just required for review and are returned with the amount disbursed.
Cases where you can’t claim Future Generali Future Criticare plan
- No benefits for any pre-existing conditions (if a condition is observed and agreed upon by Future Generali)
- Any medical treatments that are optional in nature
- Any internal or external congenital disease
- Any instance of birth defects
- Any birth control procedure such as abortion or hormone replacement procedures
- Any type of sex change treatment and resulting conditions
- Any non-allopathic methods of treatment such as Ayurvedic, Unani, acupuncture, herbalist, homeopathy, naturopathy, aroma therapy, as well as bone-setting
- Intentionally committed self-harm, STDs, mental disorders such as depression and anxiety HIV Positive (AIDS)
- Any unscientific self-treatment or treatment by a family member
- Effects of any drugs, alcohol, or any hallucinogens (exception to cases that are medically allowed a specific dosage of a substance)
- Any injury arising from instances such as wars, revolutions, and other type of hostility caused by third party
- Involvement in extreme sports such as Skiing, hand-gliding, scuba diving, paragliding, mountaineering, rally racing, horse-riding, rafting, deep-sea diving, or attempting any adventurous sport that you practice but are untrained
- Conditions which are not diagnosed in India (exception will be made if an Indian physician checks and confirms the condition
Advantages of buying Future Generali Future Criticare plan
- Free-look period is provided consisting of 15 days during which one can go through all the terms and conditions once again and if they feel unsatisfied with the policy, they can choose to discontinue the same
- There are family-floater discounts available under the policy to make the plan all the more affordable for you
- Comprehensive family coverage is provided in which self, spouse, 2 dependent children (up to 25 years of age) along with 2 dependent parents are included
- Premium paid towards Future Generali Future Criticare plan is exempt under the Section 80(D) of the Income Tax Act, 1961
- At the time of need, the entire sum insured shall be paid to you in lump sum so as to help you better plan your medical expenses
Also Read: Future Generali Health Total Policy
FAQs
Q1. Can I link this policy with my existing health policy from Future Generali?
Yes, you can increase the coverage to help your family members (spouse, dependent children, and dependent parents).
Q2. Do I still need to go through medical check-up if I’ve done the same before applying for Future Generali Future Criticare?
Yes, if you are over the age of 45 years then you are liable to go to at one of the registered medical centers in the city and get your pre-policy medical check-up done. Although 50% of the medical costs incurred for the same shall be reimbursed to your by Future Generali.
Q3. In case of death, does my family get any amount as benefit?
No, event of death is not covered under this policy.