Future Generali Future Criticare Health Insurance

Most of the customers in today’s time opt for Future CritiCare. What make the policy incomparable are its prime features such as coverage against 12 critical illnesses and lump sum benefit on being diagnosed with a critical illness or undergoing a surgical procedure. A great option to take along with other medical plans, Future CritiCare helps you get prepared for the critical time ahead without losing your peace of mind. Aspects that make the policy worth investing in include- 

• Coverage against 12 critical illnesses 
• No medical examination required up to the age of 45 years and sum insured up to Rs. 5 Lakh 
• Fixed sum provided in the event of diagnosis or procedures for any of the critical illnesses covered
• Freedom to plan the treatment accordingly as per your medical requirements (after you receive the lump sum amount)
• Coverage for diagnosis of Cancer, Primary Pulmonary Arterial Hypertension, Liver failure, and others
• Coverage for surgical procedure of Open Chest CABG, Major Organ/Bone Marrow Transplant, and Aorta graft surgery
• Coverage for first time occurrences such as Total Blindness, Coma of Specified Severity, Stroke leading in permanent symptoms, and others
• 50% of the cost of diagnostic test charges reimbursed in accepted cases wherein the policy has been issued

Future Generali’s CritiCare policy has a basic survival period of 28 days. Furthermore, you can take the policy for a maximum policy term of 1 year. As far as the additional advantages are concerned, the policy offers-  

• Lifelong renewability 
• Tax benefits provided under Section 80D of the Income Tax Act
• Family floater discounts on premium amount that may differ with age
• Free look period of 15 days for cancellation of the policy after it is purchased 
• A 30-days grace period for renewal, starting from the expiry date of the policy purchased

Dealing with critical illness is not easy. While you may be battling with mental and physical stress, you wouldn’t want to invite any financial concern. If you understand the importance of being financially stable during a critical time, consider Future CritiCare as highly recommended.

To make the purchase process simple and quick, you can rely on the online mode and get your policy issued within no time, unlike in the case of offline policy purchase. To help yourself even more, consider purchasing Future CritiCare from InsuranceDekho and gain help with policy portability, claim settlement, and multiple other after-sales services that are a major bonus of the company.

The amount of the maximum sum insured depends on the insured’s age. If the insured is aged up to 45 years, the maximum available sum insured would be Rs. 50 Lakh. However, if the insured is aged 46 years and above, the available sum insured would be Rs. 20 Lakh.

The requirement of medical check-ups before buying the plan would depend on the age and sum insured. If the insured is aged up to 45 years and if the sum insured is up to Rs. 5 Lakh, no check-up would be required. However, if there is an adverse medical condition in the proposal form, the check-up would become necessary. For individuals aged 46 years and above and/or opting for a higher sum insured levels, a check-up is mandatory.

Yes, the company pays for 50% of the cost incurred on pre-entrance medical tests if the policy is issued.

If the policyholder buys a family floater policy coverage can be taken for self, spouse, up to two dependent children and up to two dependent parents.