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Future Generali Future Criticare Health Insurance

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Future Generali Health Insurance
Future Criticare
Cashless Approval TAT2 hr Cashless Claim Processing
Claim Settlement Ratio94%
COVID-19 CoverYes
Network Hospitals8,400+
RenewabilityYes
Special BenefitsComplimentary Teleconsultation

About Future Generali Future Criticare Health Insurance

Future Generali’s Future Criticare is a fixed benefit medical insurance plan. The plan covers a list of critical illnesses and surgical procedures. If the insured suffers from any of the covered illness or undergoes any of the covered procedures, the plan pays the sum insured in lump sum. The plan can be taken on individual sum insured basis or on a family floater basis. In case of family floater plans, dependent parents can also be covered.

Sum insured options start from Rs. 1 Lakh and go up to Rs. 50 Lakh. The sum insured which would be available would depend on the age of the insured individual as at higher ages there is a restriction on the sum insured available. There is also a survival period of 28 days from the diagnosis of the covered illness and the insured should survive for this survival period to get the claim.

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Key Inclusions and Exclusions of the Plan

What's Included

  • First time occurrences of stroke, coma, heart attack and total blindness is covered
  • Illnesses covered include cancer, liver failure, kidney failure, multiple sclerosis and primary pulmonary arterial hypertension
  • 9 critical illnesses are covered under the policy
  • Coverage against 3 surgical procedures
  • Surgical procedures for open-chest CABG, aorta graft surgery and major organ transplant

What's Not Included

  • Illnesses suffered or procedures taken within the first 90 days of buying the policy
  • Medical treatments which are not necessary or not performed by a qualified doctor
  • AYUSH treatments or non-allopathic treatments
  • Congenital disabilities or birth defects are excluded from the benefits
  • An ailment or injury caused due to war, war like situations, riot, strike, invasion of the enemy, etc.

8359 Future Generali Cashless Network Hospitals in India

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Future Criticare User Reviews

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What users are saying
  • All
  • Array of options

    InsuraceDekho has an array of policy options. Each policy type is presented with the objective of serving the expected purpose. The key inclusions and exclusions segment of each policy helped me to compare the plans easily. Finally, I chose Future Generali’s Future Criticare plan. 

    P
    By Pooja Sharma
    On: Mar 03, 2021
  • Satisfied with this cover

    I highly recommend this plan. I have purchased it recently. It gives you good critical illness cover at very affordable rates of premium. Good job done by insurer!

    R
    By Rakesh Kumar Sharma
    On: Feb 19, 2020
  • NIce critical illness plan

    According to me, this is the best critical illness plan. It covers 9 critical illnesses and 3 surgical procedures. It gives you lumpsum benefit on diagnosis. Overall, it is a nice plan given at less premium rates.

    K
    By Kunal Agarwal
    On: Feb 05, 2020
  • No financial issue

    This is the best plan I have purchased for my father who is to undergo a major organ transplant. Thanks to Future Criticare that has paid me a lump sum amount. I don’t have any financial issue. 

    S
    By Santosh Verma
    On: Jan 29, 2020
  • Works in emergency!

    This policy of Future Generali works in an emergency arising out of cancer, liver failure and other specified diseases. It will provide me with a lump sum amount in case of 9 critical illnesses covered in this plan. I can use this amount for any purpose. 

    V
    By Vijay Kushwaha
    On: Jan 13, 2020

Future Generali Criticare Expert Review

  • Expert Review

    Being diagnosed with a critical illness leaves an individual physically and mentally disturbed. Not only they start worrying about everything possible that could go wrong, but also getting concerned about money and how expenditures related to medical treatment would be managed. A boon for people like such, critical illness plan, Future CritiCare by Future Generali is a standalone critical benefit plan that can be relied on during a medically challenging time. 

    If miscellaneous expenses on a critical illness treatment have been causing you to worry, rest assured the offered critical illness policy is the answer to all your doubts. Adults who fall between the age range starting from 18 years to 65 years, you are eligible to buy the policy. Talking about children, the eligibility age ranges between 6 years to 25 years if parents are concurrently insured. Easily available on individual sum insured basis, the policy can also be purchased on floater basis. You can choose floater benefit under single sum insured and get yourself and your family covered. Lastly, the policy comes with a sum insured range of Rs. 1 Lakh to Rs. 20 Lakh.

  • Major Attractions

    Most of the customers in today’s time opt for Future CritiCare. What make the policy incomparable are its prime features such as coverage against 12 critical illnesses and lump sum benefit on being diagnosed with a critical illness or undergoing a surgical procedure. A great option to take along with other medical plans, Future CritiCare helps you get prepared for the critical time ahead without losing your peace of mind. Aspects that make the policy worth investing in include- 

    • Coverage against 12 critical illnesses 
    • No medical examination required up to the age of 45 years and sum insured up to Rs. 5 Lakh 
    • Fixed sum provided in the event of diagnosis or procedures for any of the critical illnesses covered
    • Freedom to plan the treatment accordingly as per your medical requirements (after you receive the lump sum amount)
    • Coverage for diagnosis of Cancer, Primary Pulmonary Arterial Hypertension, Liver failure, and others
    • Coverage for surgical procedure of Open Chest CABG, Major Organ/Bone Marrow Transplant, and Aorta graft surgery
    • Coverage for first time occurrences such as Total Blindness, Coma of Specified Severity, Stroke leading in permanent symptoms, and others
    • 50% of the cost of diagnostic test charges reimbursed in accepted cases wherein the policy has been issued
  • What’s More?

    Future Generali’s CritiCare policy has a basic survival period of 28 days. Furthermore, you can take the policy for a maximum policy term of 1 year. As far as the additional advantages are concerned, the policy offers-  

    • Lifelong renewability 
    • Tax benefits provided under Section 80D of the Income Tax Act
    • Family floater discounts on premium amount that may differ with age
    • Free look period of 15 days for cancellation of the policy after it is purchased 
    • A 30-days grace period for renewal, starting from the expiry date of the policy purchased
  • Conclusion

    Dealing with critical illness is not easy. While you may be battling with mental and physical stress, you wouldn’t want to invite any financial concern. If you understand the importance of being financially stable during a critical time, consider Future CritiCare as highly recommended.

    To make the purchase process simple and quick, you can rely on the online mode and get your policy issued within no time, unlike in the case of offline policy purchase. To help yourself even more, consider purchasing Future CritiCare from InsuranceDekho and gain help with policy portability, claim settlement, and multiple other after-sales services that are a major bonus of the company.

Future Generali Future Criticare Brochure

  • 234.17 KB
  • PDF Document
  • Jun 03, 2019

Claim Process at Future Generali Health Insurance

  • Network Hospital
  • Non-Network Hospital
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Fill in the pre-authorisation form and hand it over to hospital's insurance/TPA desk to initiate claim request.
  • 4

    Claim Settlement

    Once your request is approved, claim is settled. If not approved, claim for reimbursement after discharge.
  • 1

    Claim Assistance

    For any assistance or query, call InsuranceDekho at the toll-free number 755 1196 989.
  • 2

    Claim Intimation

    Emergency hospitalisation needs intimation as soon as it occurs and for planned hospitalisation intimate as soon as it occurs prior to admission.
  • 3

    Claim Processing

    Submit claim form with original documents such as doctor’s reports, hospital bills, diagnostic tests, etc.
  • 4

    Claim Settlement

    Once your request for reimbursement of expenses is approved, the claim will be settled.

FAQs on Future Criticare Health Insurance Plan

  • What is the entry age criterion under the plan?

    Adults aged between 18 years and 65 years can buy the plan. For dependent children, the minimum entry age is 6 years and the maximum entry age is 25 years. Moreover, dependent children can be covered under the plan only if both the parents are also insured under a health insurance plan of the company.

  • What is the maximum sum insured which can be taken?

    The amount of the maximum sum insured depends on the insured’s age. If the insured is aged up to 45 years, the maximum available sum insured would be Rs. 50 Lakh. However, if the insured is aged 46 years and above, the available sum insured would be Rs. 20 Lakh.

  • Are pre-entrance medical checks required?

    The requirement of medical check-ups before buying the plan would depend on the age and sum insured. If the insured is aged up to 45 years and if the sum insured is up to Rs. 5 Lakh, no check-up would be required. However, if there is an adverse medical condition in the proposal form, the check-up would become necessary. For individuals aged 46 years and above and/or opting for a higher sum insured levels, a check-up is mandatory.

  • Does the company pay for the expenses incurred on pre-entrance medical tests?

    Yes, the company pays for 50% of the cost incurred on pre-entrance medical tests if the policy is issued.

  • Who can be covered under a floater plan?

    If the policyholder buys a family floater policy coverage can be taken for self, spouse, up to two dependent children and up to two dependent parents.

  • For how long can the plan be renewed?

    The plan allows lifelong renewals. However, dependent children would be covered only up to 25 years of age.

  • How much time is allowed for renewing the policy beyond the expiration date?

    A grace period of 30 days is allowed for individuals to renew their policies beyond the coverage expiration date.

  • Is international coverage allowed under the plan?

    No, coverage is available only if the illness is diagnosed by an Indian doctor and when the surgical procedures are taken in India.

  • Does the premium increase on renewals?

    There is a premium loading only in case of renewals in older ages. If the insured is between 65 and 70 years at the time of renewals, the premium would be loaded by 10%. If age is between 71 and 75 years the premium would be loaded by 20% and if age is 76 years and above, premium would be loaded by 25%.

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