Robinhood Insurance Broker Private Limited

Future Generali Critical illness Plan

Future Generali
General Insurance Company

Future Generali General Insurance is a joint venture between Future Group, which owns some of the most popular retail chains in India such as Big Bazaar and Pantaloon, and Generali Group, a leading insurance company based in Italy with strong presence in Europe. Due to their retail network, Future Generali has the advantage of having easy access to a large number of customers and the company was the first to come up with the idea of selling insurance policies to customers to who visit malls. They have termed this process of selling as Mall assurance.

Contact Details

Toll Free Number- 1800- 220-233 / 1860-500-3333
E-Mail - fgcare@futuregenerali.in

Product Overview -
Future Generali Critical Illness Plan

Future Generali critical illness plan is a critical illness benefit policy, which will pay a lump sum amount on the diagnosis of the covered illness of specified severity post the initial waiting & survival period.

Unique Features - Future Generali Critical Illness Plan

12 major Critical illness covered.
Policy offers high sum insured upto 50 lacs

Eligibility Criteria - Future Generali Critical Illness Plan

Eligibility Criteria
Age Criteria Min Entry Age: 18 Years Max Entry Age: 65 years (Self/Spouse/Parents)
Min Entry Age: 6 Years Max Entry Age: 25 years (Dependent Child)
Renewal Age Life Long Renewal
Coverage for Individual & Family Basis A maximum of 6 members can be added under policy with a maximum of 4 Adults (Self, Spouse, up to 2 dependent children until 25 years and 2 dependent parents)
Sum Insured Rs. 1 Lac to Rs. 50 Lacs (Age 6 yrs to 45 yrs)
Rs. 1 Lac to Rs. 20 Lacs (Age 46 yrs to 65 yrs)
Policy Tenure 1 Year

Product Benefits - Future Generali Critical Illness Plan

Critical Features
No Of Covered Disease 12
Initial Survival Period 28 days
Initial Waiting Period 90
Coverage For PED Not Covered
Second Opinion Not Covered
Other Features
Add On Covers Not Available
Sum insured Range Rs. 1 Lac to Rs. 50 Lacs
Type of Coverage Individual and Family Floater
Annual Health Check Up Not Covered

Waiting Period - Future Generali Critical Illness Plan

Initial Waiting period - This implies that the insured is not covered for the 12 diseases under this policy for the first 90 days of the policy
coming into existence. The waiting period is not applicable on subsequent renewals
Pre-existing Diseases - Not Covered


Survival Period - Future Generali Critical Illness Plan

The survival period is the length of time, the insured, must survive after he has been diagnosed with a covered critical illness
28 Days
12 Critical Illnesses covered
28 days survival period from the date of confirmed diagnosis with defined severity/ date of actual undergoing of the procedure
1. Cancer (cancer of specified severity)
2. Kidney failure requiring regular dialysis
3. Primary pulmonary arterial hypertension
4. Liver failure
5. Multiple sclerosis with persisting symptoms
Surgical procedure of:
6. Major organ/bone marrow transplant
7. Open chest CABG (coronary artery bypass graft)
8. Aorta graft surgery
First time occurrences such as:
9. Stroke leading in permanent symptoms
10. First heart attack (myocardial infarction) of specified severity
11. Coma of specified severity
12 .Total blindness

Exclusion - Future Generali Critical Illness Plan

  • Any pre-existing illness.
  • Any diagnosis of diseases / undergoing of surgery / occurrence of event, whose signs or symptoms first occur within 90 days of Policy Period Start date.
  • Expenses attributable to self-inflicted injury (resulting from suicide, attempted suicide)
  • Medical expenses incurred for treatment of AIDS
  • Treatment arising from or traceable to pregnancy and childbirth, miscarriage, abortion and its consequences
  • War, riot, strike, nuclear weapons induced hospitalization, etc.

Add-ons - Future Generali Critical Illness Plan

Not Available

Additional Discounts - Future Generali Critical Illness Plan

Not Available

Tax Benefits - Future Generali Critical Illness Plan

Tax benefits for the premium paid under Section 80D of the Income Tax Act.

Claim Process - Future Generali Critical Illness Plan

Know Claim Process




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