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Individuals, Residents and Non Resident Indians, PIO & Foreigners (subject to Underwriting) can be covered under Future Generali Big Dreams Plan

Future Generali Heart & Health Insurance Plan is an individual, Non-Linked, Non-Participating (without-profits), Health and Life Insurance Plan which pays lump sum to the life assured on diagnosis or undergoing the surgical procedure of the listed Minor, Moderate or Major stage Critical Illness as per options chosen

• This is a regular premium payment an individual, Non-Linked, Non-Participating (without-profits), Health and Life Insurance Plan.
• As per your requirement, choose the 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
• Pay the premium till the end of policy term
• Receive lump sum on diagnosis or undergoing the surgical procedure of the listed Minor, Moderate or Major stage critical illness
• On diagnosis/undergoing the surgical procedure of the Minor or Moderate critical illness, premiums will be waived off for the period of 5 policy years or till the end of the policy term, whichever is earlier. (Only once during the policy term)
• Death benefit in case life assured dies during the policy term
• Maturity Benefit if life assured survives till the end of policy term (Available only with option 3 and 4)

Option 1: Lump Sum Benefit.

Option 2: Lump Sum Benefit + Fixed Monthly Income of 2% of Sum Assured per Month for 60 months (On Detection of Major Stage Cancer Only)

The medical expenses incurred for cancer treatment can be very high, depending on the stage. Moreover, there are some other costs as well like Travel Expenses for second opinion and treatment, rehab, nursing at home and counselling costs post treatment, loss of income during the treatment and recovery period etc.

Mediclaim policies offer only hospitalization expenses basis the bill amount and it may not be sufficient to cover all the expenses. Future Generali Cancer Protect Plan is a fixed benefit plan and pays out lump sum on diagnosis of Cancer which can help you in taking care of both Medical and other costs.

Future Generali Flexi Online Term Plan is an Individual, Non – Linked, Non – Participating (Without Profits), Pure Risk Premium, Life Insurance Plan which provides you a comprehensive cover at an affordable price. It has multiple options that you can choose from as per your need – from a basic term cover to income protection.

The plan provides below options:-

1. Basic Life Cover
2. Income Protection
   • Fixed Income Protection
   • Increasing Income Protection
3. Basic Life Cover + Fixed Income Protection
4. Basic Life Cover + Increasing Income Protection

• The plan is offered basis declaration of good health till a defined Sum assured limit/premium and age.
• On death, higher of sum assured or fund value subject to a minimum of 105% of total premium paid till date of death is payable to the nominee.
• On maturity, fund value is payable to the life assured
• Loyalty Additions in last 5 years will be provided
• The plan provides 5 fund options to choose depending on the risk appetite of customer

On maturity of the policy, Fund Value as on the date of Maturity is paid to the life assured. The life assured may also choose to receive the maturity benefit under Settlement Option as mentioned below.