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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 health insurance 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.

Generate a quote now

Key Benefits of the plan

Comprehensive Critical
Illness Cover

The plan provides comprehensive cover against 59 Critical Illnesses and surgical procedures including Heart and Cancer related ailments.

Cover from
Early Stages

The plan covers you on diagnosis of any of the listed conditions whether it is in Minor, Moderate or Major Stage.

Inbuilt
Death Benefit

The death benefit will be available from day 1 i.e. without any waiting period.

Flexibility to Choose
Your Protection Plan

The plan provides 4 flexible options. a) Heart Cover , b) Critical Illness Cover, c) Heart Cover with Return of Premium, d) Critical Illness Cover with Return of Premium.

Fixed Benefit
Payout

The plan ensures a fixed lumpsum payout on diagnosis of critical illness or undergoing surgical procedure covered under the pla

Online
Discount

You can avail of an online discount of 5% on buying it directly from our website https://life.futuregenerali.in

HOW IT WORKS

Critical Illness Benefit
with Waiver of Premium
Critical Illness Benefit with
Waiver of Premium and Death Benefit
Critical Illness Benefit with
Waiver of Premium and Maturity Benefit
Critical Illness Benefit with Waiver of Premium
  • Arvind is a 30 year old male salaried professional. He is a non-smoker and leads a healthy life.
  • He purchased the Future Generali Heart and Health Insurance Plan online for a Sum Assured of ₹10 lakhs for Policy Term of 20 years directly from company’s website. He will have to pay regular annual premiums of ₹1,794 per year including taxes for 20 years
  • He has opted for Option 1 – Heart Cover
Critical Illness Benefit with Waiver of Premium and Death Benefit
  • Arvind is a 30 year old salaried male professional. He is a non-smoker and leads a healthy life.
  • He purchased the Future Generali Heart and Health Insurance Plan online for a Sum Assured of ₹10 lakhs for Policy Term of 20 years directly from company’s website. He will have to pay annual regular premiums of ₹4,242 per year including taxes
  • He opted for Option 2 – Critical Illness Cover
Critical Illness Benefit with Waiver of Premium and Maturity Benefit
  • Arvind is a 30 year old salaried professional male. He is a non-smoker and leads a healthy life.
  • He purchased Future Generali Heart and Health Insurance Plan online for a Sum Assured ₹10 lakhs for Policy Term of 20 years directly from company’s website. He will have to pay annual regular premiums of ₹6,031 per year including taxes
  • He opted for Option 3 – Heart Cover with Return of Premium

4 quick Steps To Buy

1
2
3
4

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

Important Details of the Plan

Eligibility Criteria
Cover Amount (In INR)
Premium Payment Mode
Eligibility Criteria
Entry Age and Maturity Age (as on last birthday)
Product options Minimum entry age (in years) Maximum entry age (in years) Maximum maturity age (in years)
Heart Cover 18 65 75
Critical Illness Cover 18 65 75
Heart Cover with Return of Premium 18 65 75
Critical Illness Cover with Return of Premium 18 65 75
Cover Amount Options (In INR)
Minimum ₹5 Lakhs
Maximum ₹50 Lakhs
Cover Amount Options ₹5 Lakhs | ₹10 Lakhs | ₹20 Lakhs | ₹30 Lakhs | ₹40 Lakhs | ₹50 Lakhs
Premium Payment Mode
Monthly Quarterly
Half Yearly Annualy

Little privileges just for you

Free Look Period

In case you disagree with any of the terms and conditions of the policy, you can return the policy to the company within 15 days (30 days if policy is sold through direct marketing mode) of its receipt for cancellation, stating your objections. Future Generali will refund the policy premium after the deduction of stamp duty charges, medical expenses, if any and proportional risk premium for period of cover, if any.

Tax Benefits

The Premium(s) paid by you are eligible for tax benefit as may be available under the provisions of Section(s) 80C, 80D and 10 (10D) as applicable. For further details, consult your tax advisor. Tax benefits are subject to change from time to time.

Grace Period

You get a grace period of 30 days for annual, half yearly and quarterly mode and 15 days for monthly mode from the premium due date to pay your missed premium. During this grace period, you will continue to be insured and be entitled to receive the benefits. If a valid claim arises under the policy during the Grace Period, but before the payment of due premium, the claim will be honoured. In such cases, the due premium will be deducted from the benefit payable.

Change in Premium Payment Frequency

We allow you to make change in the mode of premium payment under the policy which shall be applicable from the next policy anniversary.

Exclusions and Limitations

The following exclusions are available in this plan.

1) Suicide Exclusion
2) Pre-Existing Disease
3) Waiting Period
4) Survival Period
5) General Exclusions

For more details. Please read our sales brochure carefully.

Target Group

For the customers who want fixed benefit critical illness policy that covers Heart, Cancer or other major organ related critical illnesses, to financially protect themselves and their family from the medical and non-medical expenses.

DISCLAIMERS

Future Generali Heart and Health Insurance Plan UIN: 133N069V01

Tax benefits are subject to change in law from time to time. You are advised to consult your tax consultant

Faq's

1. What is FG Heart & Health Insurance Plan?

FG Heart & Health Insurance Plan is an Individual / Non - Linked / Non - Participating / Fixed Benefit Health 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.

2. How Does FG Heart & Health Insurance Plan work?
  • This is a regular premium payment Individual / Non - Linked / Non – Participating/ Health 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)
3. Why do I need FG Heart and Health Insurance Plan?

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.’

4.What are the key features of this plan?
  • Provides Comprehensive Health Cover - Get cover against 59 Critical Illnesses and surgical procedures including Heart and Cancer related ailments. You have an option to opt for a separate Heart Cover as well that will provide cover against 18 Heart Related illnesses and surgical procedures.
  • Flexibility to Choose your cover – you can choose from the available 4 options basis your needs
  • Lumpsum Payout on diagnosis/undergoing surgical procedure of the listed illnesses
  • Inbuilt Death Benefit – Has death cover from day 1 with all the options
  • Multiple Claim Benefit – Claim upto 2Minor or 2 Moderate conditions provided you have not exhausted your Sum Assured
  • Waiver of Premium Benefit - If you are diagnosed with any of the defined minor or moderate conditions, your premiums will be waived for the following 5 years. This means that the plan continues without you having to pay premiums for 5 years
  • Provides option to get your premiums back on maturity
  • Buy for Self and Family - You can also buy this plan for Your Spouse, Children and Parents. You will have to buy individual policy for each family member.
  • 5% Discount on premium rates on buying directly from our website
  • Tax Benefit under both section 80C and 80D

View All

Why Future Generali Life Insurance

104

locations with presence in major cities across India

93.11%

individual death claims settled for FY 2017-18

12.9 lakh

policies sold since inception

₹3,246 crore

worth of Assets Under Management

Figures as on 31st March 2018

Reach us

Customer care number

1800 102 2355

Email us at

care@futuregenerali.in

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