FUTURE GENERALI HEART & HEALTH INSURANCE PLAN

4 Quick steps to buy Health Insurance

Choose the amount of health cover (Sum Assured) from the following options

Cover Amount

₹ 5 Lakhs	₹ 10 Lakhs	₹ 20 Lakhs
₹ 30 Lakhs	₹ 40 Lakhs	₹ 50 Lakhs

Policy Term/ Premium Payment Term

10 years	15 years	20 years
25 years	30 years	75 minus age at entry

For Option 3 and 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 a form by answering some health questions

Pay your premium

Exclusions and Limitations

The following exclusions are available in this plan.

1) Suicide Exclusion :
In case of death due to suicide within 12 months from the date of commencement of risk under the policy or from the date of revival of the policy, as applicable, the nominee or beneficiary of the policyholder shall be entitled to 80% of the total premiums paid till the date of death or the surrender value available as on the date of death whichever is higher, provided the policy is in force.

2) Pre-Existing Disease :
Pre-existing Disease means any condition, ailment, injury or disease:

• a) That is/are diagnosed by a physician within 48 months prior to the effective date of the policy issued or its reinstatement by the insurer or
• b) For which medical advice or treatment was recommended by, or received from, a physician within 48 months prior to effective date of the policy or its reinstatement.

No Critical Illness benefits shall be payable for any condition(s) which is a direct or indirect result of any pre-existing conditions unless Life Insured has disclosed the same at the time of proposal or date of reinstatement whichever is later and the Company has accepted the same.

Reinstatement means the revival of policy post expiry of grace period.

Waiting Period -
No Critical Illness benefits shall be payable under this Policy for any covered disease/illness/disorder diagnosed or manifested within the 180 days following the effective date of the Policy or reinstatement date (whichever is later) and the policy will terminate. In such case, Company will refund the premiums from risk commencement date of the policy or from the date of revival as applicable. This will be subject to Section 45 of the Insurance Act, 1938, as amended from time to time.

Waiting period in case of reinstatement shall not be applicable if policy is revived within 90 days of last premium due date and a continuous waiting period of 180 days has been served.

Survival Period -
No Critical Illness benefit shall be payable under this Policy for any covered disease/illness/disorder if Insured person has survived for less than or equal to 21 days.

Survival period is not applicable for Cancer related conditions i.e. Early Stage Cancer, Carcinoma in Situ and Major Stage Cancer.

No critical illness benefit will be payable in respect of any listed condition arising directly or indirectly from, though, in consequence of or aggravated by any of the following:

• Unreasonable failure to seek or follow medical advice or treatment or the Life Insured has delayed medical treatment in order to circumvent the waiting period or other conditions and restriction applying to this policy.
• Self-inflicted injuries, suicide, insanity, and immorality, and deliberate participation of the life insured in an illegal or criminal act.
• Use of intoxicating drugs / alcohol / solvent, taking of drugs except under the direction of a qualified medical practitioner.
• Radioactive contamination due to nuclear accident.
• War – whether declared or not, civil commotion, breach of law with criminal intent, invasion, hostilities (whether war is declared or not), rebellion, revolution, military or usurped power or wilful participation in acts of violence.
• Illness or Injury cause by engaging in hazardous sports / pastimes, i.e. taking part in (or practicing for) boxing, caving, climbing, horse racing, jet skiing, martial arts, mountaineering, off pastel, skiing, pot holing, power boat racing, underwater diving, yacht racing or any race, trial or timed motor sport, bungee jumping, hand gliding etc. or Any injury, sickness or disease received as a result of aviation (including parachuting or skydiving), gliding or any form of aerial flight other than as a fare-paying passenger on regular routes and on a scheduled timetable unless agreed by special endorsement.
• Existence of any Sexually Transmitted Disease (STD) and its related complications

For exclusions under each of the listed critical illnesses, please read the sales brochure carefully.

DISCLAIMERS

Future Generali  Heart & Health Insurance Plan (UIN: 133N069V03)

Future Group’s and Generali Group’s liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited

Tax benefits are as per Income Tax Act 1961 and are subject to any amendment made thereto from time to time You are advised to consult your tax consultant