Future Generali Care Plus

Future Generali Care Plus

  • Premium Payment Term

    Regularly throughout the Policy Term

  • Tax Benefit


  • Age at Entry

    18 to 65 years

  • Premium


Why you need this Plan?

  • It offers a high life cover at low premium.
  • It provides an excellent option to safeguard your family against your loans and liabilities.
  • This plan assures financial security to your family in case you are not around.

How it Works

This plan is the simplest form of life insurance. It offers you protection at affordable premiums. There are no Maturity or Surrender Benefits. Here are the steps to get Future Generali Care Plus plan:

Step1Choose your Sum Assured
  • Choose the Classic Option for insurance cover up to Rs. 24,99,999/-
  • Choose the Premier Option for insurance cover of Rs. 25,00,000/- and above.
Step2Decide the duration of the cover and the premium payment mode
  • Choose a Policy Term that meets the demands of your financial plan and covers the financial obligations you carry.
Step3Get a quote and fill out the application form
  • Based on the inputs you provide, you will receive a standard quote for the premium payable.
Step4Pay the premium
  • Fill up the application and pay the premium.


  • Death Benefit In case of unfortunate death of the life assured, then the following benefit is payable to the nominee.

    Higher of

    • Sum Assured
    • 10 times Annualised Premium (excluding taxes, rider premiums, underwriting extra premiums and loading for modal premiums, if any).
    • 105% of the total premiums paid till date of death excluding taxes, any extra premiums and rider premiums if any.
  • Maturity Benefit There is no Maturity Benefits payable under this plan.
  • Surrender Benefit There is no Surrender Benefits payable under this plan.

Target Group
For the customers who want to buy a tax saving term plan which provides high level of protection at most affordable rates


No benefit will be payable in respect of any condition arising directly or indirectly through or in consequence of the following exclusions and restrictions -

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.


Future Generali Care Plus (Classic Option)
Minimum - Maximum Age at Entry18 to 65 years Minimum - Maximum Policy Term 5 years- to Age 85Max Policy Term = (85 - min. age at entry) = 67 yrs. Maximum Coverage Age85 years Minimum Premium 887/- per annum
Minimum Sum Assured1,50,000/- Maximum Sum Assured 24,99,999/- Premium Modes Yearly/ Half-Yearly/ Monthly (ECS only)


Future Generali Care Plus (Premier Option)
Minimum - Maximum Age at Entry 18 to 65 Years Minimum - Maximum Policy Term 5 years- to Age 85Max Policy Term = (85 - min. age at entry) = 67 yrs. Maximum Coverage Age 85 years Minimum Premium 5,000/- per annum
Minimum Sum Assured 25,00,000/- Maximum Sum Assured No Limit Premium Modes Yearly/ Half Yearly/ Monthly(ECS only)



To enhance your financial protection and to secure yourself/your family against accidental disability or demise, we present to you Riders which you may choose as an additional protection. There are two rider options available under this plan.

1. Future Generali Non-Linked Accidental Death Rider (UIN 133B023V01)

Please refer to the respective rider brochures for more details.

Note: The premium pertaining to health related or critical illness riders shall not exceed 100% of premium under the basic product, the premiums under all other life insurance riders put together shall not exceed 30% of premiums under the basic product and any benefit arising under each of the above mentioned riders shall not exceed the sum assured under the basic product


(Future Generali Care Plus (UIN: 133N030V04)

  • For more details on risk factors, terms and conditions, etc., please read the sales brochure and/or sample policy document carefully before conducting a sale.


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 the policy is sold through Distance Marketing Mode) of its receipt for cancellation, stating your objections. Future Generali will refund the policy premium after the deduction of the policy stamp charges, cost of medical examination, if any, and the cost for the insurance cover for the period up to the date of cancellation.

If the Policy is opted through Insurance Repository (IR), the computation of the said Free Look Period will be as stated below:-

  • For existing e-Insurance Account: Computation of the said Free Look Period will commence from the date of delivery of the e mail confirming the credit of the Insurance Policy by the IR.
  • For New e-Insurance Account: If an application for e-Insurance Account accompanies the proposal for insurance, the date of receipt of the ‘welcome kit’ from the IR with the credentials to log on to the e-Insurance Account(e IA) or the delivery date of the email confirming the grant of access to the e-IA or the delivery date of the email confirming the credit of the Insurance Policy by the IR to the e-IA, whichever is later shall be reckoned for the purpose of computation of the Free Look Period.

Note: Distance Marketing means insurance solicitation by way of telephone calling/ Short Messaging Service (SMS)/Other Electronic modes like e-mail, internet & Interactive Television (DTH)/Direct Mail/ newspaper & magazine inserts or any other means of communication other than in person.

Life Insurance Made Simple