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Overview of Future Generali Criticare Plan
The Future Generali Criticare Plan is a health insurance plan that gives you a fixed lump sum amount if you are diagnosed with a serious illness like cancer, heart attack, or stroke. You get the full amount after diagnosis, no matter what your hospital bill is.
You can use this money for treatment, daily expenses, or loss of income during recovery. It is not a regular health plan, but works as extra financial support when things get serious.
This critical illness plan is useful if you want simple and direct protection against major illnesses, along with your basic health insurance.
Read about the eligibility, benefits, coverage specifications, exclusions, and more on this page. Ensure you buy your health coverage against critical illnesses before it's too late.
Specifications of Future Generali Criticare Plan
Covered Critical Illnesses
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Cancer
Cancer treatment expenses related to leukaemia, sarcoma, and lymphoma are covered by the insurer if diagnosed and confirmed by a pathologist.
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Kidney Failure
Kidney failure requiring regular dialysis or kidney transplant is covered.
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Liver Failure
If the liver stops performing and has reached end-stage liver failure that requires synthetic and metabolic support for functioning, the critical illness policy will cover its treatment expenses.
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Primary Pulmonary Arterial Hypertension
Primary (idiopathic) pulmonary hypertension leading to shortness of breath, dizziness, fainting, and other symptoms is covered by this plan.
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Multiple Sclerosis
Multiple sclerosis diagnosed after MRI, CSF, and other investigation modules will be covered by the insurer.
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Major Organ Transplant
Transplantations of human body parts such as the heart, lung, liver, kidney, pancreas, and so on, which require expensive medical treatment, are covered under the Future Generali Criticare plan.
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Open Chest CABG
If an insured individual undergoes coronary angiography for treatment of blocked arteries and requires corrections, the policy will pay for open chest CABG (Coronary Artery Bypass Graft) surgery.
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Aorta Graft Surgery
In case the aorta fails to supply oxygenated blood all over the body and requires surgery for aorta removal, the policy will bear all related expenses.
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Stroke
Any cerebrovascular emergency like brain tissue infarction, intracranial vessel thrombosis, haemorrhage, etc., diagnosed through a CT scan or MRI, would be covered, provided the condition has continued for 3 consecutive months.
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Severe Heart Attack
Any evidence of myocardial infarction leading to rupture of the heart or inadequate blood supply resulting from severe chest pain is covered by this policy.
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Coma
If the insured person requires life support or an assessment of neurological consciousness, your critical illness policy will pay for its treatment.
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Total Blindness
Total, permanent, and irreversible loss of overall vision in both eyes due to an illness, accident, etc., would be covered for total vision loss treatment.
Exclusions
- Any pre-existing diseases (PEDs) or related medical conditions.
- Unnecessary or non-prescribed medical treatment.
- Maternity complications and external or internal congenital illnesses.
- Infertility and sterility treatment expenses.
- Plastic or cosmetic surgeries.
- Change of gender treatments.
- AYUSH or any related treatments or therapies.
- Attempted suicide and self-inflicted injuries.
- STDs other than HIV/AIDS.
- Civil war, insurrection, nuclear explosions, and similar events.
- Alcoholism or drug abuse and treatment taken thereof.
- Adventure sports and life-threatening activities.
- Treatment taken outside India.
Conclusion
A critical illness can be distressing, leading to deteriorating health and draining savings. Since expensive treatments for critical illnesses are not affordable for everyone, the Future Generali Criticare plan offers a solution.
For full coverage against critical illnesses, consider the Future Generali Criticare plan. Contact our health insurance advisors at 1800 4200 269 for more queries about this critical illness plan.
