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.

LETS GET YOU A QUICK QUOTE- TO FIGHT THE COST OF CRITICAL ILLNESS TREATMENT

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Coverage from #59
critical illnesses

Covers you on diagnosis of any of the listed conditions whether it is in Minor, Moderate or Major Stage

^Option to get your
premiums back

Receive the premiums paid by you on maturity under the Return of Premium Plan options (Option 3 and 4)

##5% Online Discount

Avail a 5% discount on buying it directly from our website
life.futuregenerali.in

Tax benefits
under section 80C & 80D**

Avail Tax benefits as may be applicable under Section 80C and Section 80D**

Features

Cover from Early Stages

Get paid on diagnosis of any of the listed minor/ moderate/ major conditions

Flexibility to choose your plan

1. Heart Cover (Option 1), 2. Critical Illness Cover (Option 2), 3. Heart Cover with Return of Premium (Option 3), 4. Critical Illness Cover with Return of Premium (Option 4)

^Option to get your premium back

Receive sum of all Instalment Premiums paid (excluding taxes, rider premium, modal loadings and extra underwriting premiums) less any critical illness benefits received

Waiver of Premium Benefit^^

If you are diagnosed with any of the defined minor or moderate conditions, get your premiums waived for 5 years!

High Cover at Low Premium

A 35-year-old male can get a Rs 10 lakh Critical Illness Cover for 10 years for a monthly premium of about Rs 447 including taxes

Buy for Yourself and Your Family

Buy individual policy for each family member

3 quick Steps To Buy

1
2
3

Choose your Cover Amount and Policy Term

Cover Amount
5 Lakh 10 Lakh 20 Lakh
30 Lakh 40 Lakh 50 Lakh
Policy Term
10 years 15 years 20 years
25 years 30 years 75 minus age at entry

For option 3 and option 4 : Policy term offered is 10 years for age 51 to 65 years

Choose your coverage option
Option 1 - Heart Cover
Option 2 - Critical Illness Cover
Option 3 - Heart Cover with Return of Premium
Option 4 - Critical Illness Cover with Return of Premium

Fill your details and pay your premium online and submit the required documents.

Why should you buy

Multiple Claim Benefit~

You can claim upto 2 times under the minor and moderate stage claim category and upto a maximum limit of the Cover Amount

Fixed Benefit Payout

On diagnosis of critical illness or undergoing surgical procedure covered under the plan.

5% Online Discount##

Avail a discount on buying it directly from our website life.futuregenerali.in

How It works

Diagnosed with minor stage heart related condition

What is covered

Heart Cover (Option 1) & Heart Cover with Return of Premium Option (Option 3)
Minor Conditions (25%)
i

If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Moderate Conditions (50%)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Major Conditions (100%)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.
Percutaneous Heart Valve Surgery Pericardectomy Myocardial Infarction
(First Heart Attack of specific severity)
Angioplasty Surgery to Place Ventricular Assist Device or Total Artificial Hearts Open Chest CABG
(including Keyhole CABG)
Surgery for Cardiac Arrhythmia Minimally Invasive Surgery to Aorta Open Heart Replacement Or Repair Of Heart Valves
Infective Endocarditis Insertion of a Defibrillator / Pacemaker Major Surgery to Aorta
Carotid Artery Surgery Cardiac Arrest Heart Transplant
Secondary Pulmonary Hypertension Primary Pulmonary (Idiopathic) Hypertension
Cardiomyopathy
Critical Illness Cover (Option 2) & Critical Illness Cover with Return of Premium Option (Option 4)
Heart Related Minor Conditions (25%)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Heart Related Moderate Conditions (50%)
i

If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Heart Related Major Conditions (100%)
i

If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.
Percutaneous Heart Valve Surgery Pericardectomy Myocardial Infarction
(First Heart Attack of specific severity)
Angioplasty Surgery to Place Ventricular Assist Device or Total Artificial Hearts Open Chest CABG
(including Keyhole CABG)
Surgery for Cardiac Arrhythmia Minimally Invasive Surgery to Aorta Open Heart Replacement Or Repair Of Heart Valves
Infective Endocarditis Insertion of a Defibrillator / Pacemaker Major Surgery to Aorta
Carotid Artery Surgery Cardiac Arrest Heart Transplant
Secondary Pulmonary Hypertension Primary Pulmonary (Idiopathic) Hypertension
Cardiomyopathy
Cancer Related Minor Conditions (25%)
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If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.
 Cancer Related Moderate Conditions (50%)
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If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Cancer Related Major Conditions (100%)
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If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.
Early Stage Cancer   Major Stage Cancer
Carcinoma in Situ    
Critical Illness Minor Conditions (25%)
i

If you are detected with a minor condition then you will get 25% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Critical Illness Moderate Conditions (50%)
i

If you are detected with a moderate condition then you will get 50% of the Critical Illness Cover Amount and future Premiums will be waived off for 5 years or till the end of the Policy Term, whichever is earlier.

 Critical Illness Major Conditions (100%)
i

If you are detected with a major condition then you will get 100% of the Critical Illness Cover Amount after deducting for any cover amount that you claimed for a minor/major condition during the entire life of the Policy.For all confitions in detail, please check the policy brochure
Guillain Barre Syndrome Endovascular surgeries performed by neurosurgeon
  • Stroke Resulting In Permanent Symptoms
  • Multiple Sclerosis With Persisting Symptoms
  • Permanent Paralysis Of Limbs
  • Coma Of Specified Severity
  • Kidney Failure Requiring Regular Dialysis
  • Major Organ /Bone Marrow Transplant
  • End Stage Lung Failure
  • End Stage Liver Failure
  • Loss of Limbs
  • Blindness
  • Third Degree Burns
  • Major Head Trauma
  • Deafness
  • Loss of Speech
  • Apallic Syndrome
  • Medullary Cystic Disease
  • Aplastic Anaemia
  • Benign Brain Tumour
  • Motor Neuron Disease With Permanent Symptoms
  • Alzheimer's Disease
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Poliomyelitis
  • Systemic Lupus Erythematosus
Nephrectomy/removal of one kidney Insertion of cerebral shunt
Chronic Glomerulonephritis Bacterial Meningitis
Portal vein Thrombosis Small Bowel Transplant
Severe COPD Cirrhosis of the Liver
Ulcerative Colitis Chronic Pancreatitis
Pancreatic Cyst Brain Surgery

Testimonials

Malhar Patil

"I came across this critical illness plan on the internet. The benefits of the plan at nominal cost instantly appealed to me. I was assisted by helpful company representative over the phone and was able to buy the plan with ease. The policy was issued the very next day. Great work Future Generali team!"

Souvik Banerjee

“I look at Critical illness plan plan as the perfect gift for my loved ones. I gifted myself the protection on New Year's and for my wife on her birthday!”

Parth Sarthi

It's a big step up personally. You constantly are on your toes, on how to deliver the best to the members of your family. Well I had taken the Critical Illness Plan and I plan to extend it to my other immediate family members in the near term.”

Hemant Kumar

“I have protected myself and wife through Future Generali Heart and Health Insurance Plan. Opted for Lump Sum Cover with Income Benefit for self as I am the breadwinner, and Lump Sum Cover for my wife. It's better to act on time than to regret later.”

FAQs

Future Generali Heart and Health Insurance Plan is a comprehensive Health Plan with the following key features:

Future Generali Heart and Health Insurance Plan is a comprehensive Health Plan with below key features:

  • Provides cover against 59# Critical Illnesses and surgical procedures including Heart and Cancer related ailments whether it is in Minor, Moderate or Major Stage.
  • Pays out a fixed financial benefit on the diagnosis of any of the listed conditions and waiver of premium for 5 years in case of minor/moderate stage illness.
  • Has an inbuilt death benefit cover from day 1.
  • Provides option to get your premiums^ back on maturity.
  • Provides Tax Benefit on the premiums paid under Section 80C and 80D**
Why do I need Future Generali Heart and Health Insurance Plan?

Stressed lifestyles are moving us closer to lifestyle related diseases such as different types of cancer and other critical ailments. We fail to acknowledge the existence of such conditions in our immediate circle of friends and family, but the truth is that these diseases are a clear threat. And when they strike, the emotional and financial burden they create are at most times beyond repair.

Fortunately, with the advancement in medical science, you can now beat these diseases. But it comes at a steep price. Do you have the financial ability to take care of these expenses with your savings alone, or will you need to give-up your dreams and aspirations to win the battle?

Future Generali India Life Insurance Company Limited brings to you Future Generali Heart and Health Insurance Plan, an easy to buy and comprehensive health insurance plan which ensures that you are never stressed financially in your fight against a critical illness, right from the time you or your family detects it

How can I buy this Policy?
  • Step 1: generate a quote
  • Step 2: Choose the benefit option, cover amount and period of cover.
  • Step 3: Based on the above parameters along with age, occupation, qualification, income and smoking habits, the premium amount will be decided.
  • Step 4: Fill the online application form and pay your premium online.
  • Step 5: Submit all documents (online).
  • Step 6: Once the payment is made and all relevant documents are submitted your policy shall be issued post document verification and medical examination, if any

* Premium mentioned is for a 23 year old healthy, non-smoker male, paid annually for Heart Cover (Option 1) of ₹10 Lakhs and Policy Term of 15 years. This premium is inclusive of taxes and online discount.
#59 Critical Illnesses are covered under Option 2: Critical Illness Cover and Option 4: Critical Illness Cover with Return of Premium Option only.
^ Option to get premium back feature (Maturity Benefit) is available under Option 3: Heart Cover with Return of Premium Option and Option 4: Critical Illness Cover with Return of Premium Option only. Option 1: Heart Cover Option and Option 2: Critical Illness Cover Option do not provide premiums back in case of survival till maturity.

** Tax benefits are subject to fulfilment of prescribed conditions under the Section 80C, 80D and Section 10(10D) of the Income Tax Act. Tax benefits are as per Income Tax Act 1961 and are subject to any amendments made thereto from time to time.

^^Only on the first minor or moderate claim for next 5 years, subsequent premiums to be paid for the remaining Premium Payment Term to keep the policy in-force.

## The premiums mentioned above are inclusive of 5% online discount.

- The mentioned quote is valid for 30 days from the quote generation date or next birthday whichever is earlier.The premium amount that will be quoted will be on the basis of the details filled up by you. This premium quotation is subject to underwriting decision of the Company. The actual premium or sum assured amount may change upon the assessment of the risk of the life insured. Any such change will be informed to you for your consent.

~ You can claim up to 2 times under the minor stage and up to 2 times under moderate stage claim categories, provided you have not exhausted your Critical Illness Sum Assured. Any listed condition can be claimed only once. Total Critical Illness benefit amount payable under your policy shall never exceed 100% of the Critical Illness Sum Assured.
For more details on this product including risk factors, terms and conditions, please read the sales brochure carefully and/or consult your Advisor and/or visit our website before concluding a sale.


This is an Individual Non-Linked, Non-Participating Health Insurance Plan.
Future Group’s, Generali Group’s and IITL Group’s liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited. Future Generali India Life Insurance Co. Ltd. (Regn. No. 133) (CIN: U66010MH2006PLC165288) Regd. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai - 400 013. Fax: 022-4097 6600 Website: life.futuregenerali.in. You are advised to consult your tax consultant. For any assistance call us on 1800-102-2355 or write to us at care@futuregenerali.in | UIN: 133N069V01

BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.

Know Your Premium