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Future Generali Super Saver Plan
Future Generali Super Saver Plan is a one-of-a-kind health insurance plan with two plan variants that offer an 80% premium discount. If pol…
- Modern treatment cover
- Maternity covered
- Domiciliary treatment cover
Future Generali Health Insurance
Future Generali Criticare Plan
The plan offers monetary benefits to cover medical and miscellaneous e ...Read More
Up to 6 Cr
Sum insured
1
No. of plans
150+
Pan India presence
95.5%
Claim settlement ratio
🛡️ IRDAI Approved
⭐ 4.4/5 · 2,699 reviews
🏥 10,000+ hospitals
📊 1.96 solvency ratio
✅ 95.5% claim settlement
About Future Generali Criticare Plan
A quick read on what this Future Generali Health Insurance plan covers and why it might be a fit for you.
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.
Plan at a glance
Eligibility, sum insured options and policy mechanics — pulled straight from the policy wording.
Entry age
Min- 6 years, Max- 65 years
Plan type
Critical Illness Health Insurance
Sum insured options
₹1 L, ₹10 L, ₹20 L, ₹50 L
Waiting period
90 days
Renewability
Lifelong
Policy term
1, 2, 3 Years
*Initial Waiting Period is the time period between the issuance of the policy and the time it starts actively. During this period, a policyholder has to wait to avail of the benefits offered under a health insurance plan.
Pros & cons
A quick honest summary — the strengths and the trade-offs.
Pros
- Covers cancer
- kidney and liver failure
- primary pulmonary arterial hypertension.
Cons
- 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.
What's covered
Every CMS-driven coverage flag from the plan wording — only items with a published value render below.
Hospitalization
- Room rent Not covered
- ICU charges Not covered
- Pre-hospitalization Not covered
- Post-hospitalization Not covered
- Domiciliary hospitalization Not covered
- Day-care treatment Not covered
- OPD charges Not covered
- Covid-19 treatment Not covered
- Cataract Not covered
Bonuses & restoration
- No-claim bonus Not covered
- Automatic restoration of SI Not covered
- Daily hospital cash Not covered
Family & special care
- Maternity cover Not covered
- New-born baby cover Not covered
- IVF treatment Not covered
- AYUSH treatment Not covered
- Organ donor expenses Not covered
Modern & preventive care
- Modern treatment Not covered
- Road ambulance Not covered
- Air ambulance Not covered
- E-consultation Not covered
- Health check-up Not covered
- Second medical opinion Not covered
- Vaccination Not covered
Conditions & global
- Co-payment Not applicable
- Sub-limits Not applicable
- Compassionate travel Not covered
- Global coverage Not covered
Specifications of Future Generali Criticare Plan
-
Cancer
Cancer treatment expenses related to leukaemia, sarcoma, and lymphoma are covered by the insurer if diagnosed and confirmed by a pathologist.
-
Kidney failure
Kidney failure requiring regular dialysis or kidney transplant is covered.
-
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.
-
Primary pulmonary arterial hypertension
Primary (idiopathic) pulmonary hypertension leading to shortness of breath, dizziness, fainting, and other symptoms is covered by this plan.
-
Multiple sclerosis
Multiple sclerosis diagnosed after MRI, CSF, and other investigation modules will be covered by the insurer.
-
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.
-
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.
-
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.
-
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.
-
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.
-
Coma
If the insured person requires life support or an assessment of neurological consciousness, your critical illness policy will pay for its treatment.
-
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.
Future Generali Health Insurance Network Hospital List
Future Generali Health Insurance Network Hospitals are present in 31 states nationwide. With a wide network of hospitals, Future Generali Health Insurance ensures that you are medically secured, irrespective of the city you reside in.
Inclusions & exclusions
What the plan pays for, and what it doesn't.
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.
Who can buy this plan
Eligibility criteria pulled straight from the policy wording.
- Entry Age: Child: 6-25 years
- Adult: 18-65 years; Initial waiting period: 90 days; Policy term: 1/2/3 years.
Other features & benefits
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.
Future Generali Criticare Plan: FAQs
The 5 most-asked questions about Future Generali Criticare Plan, answered.
You should buy this critical illness policy if you are someone who has; A family history of critical illness Responsibilities to run your family A career with a lot more stress No business background but self-employment No savings to fight against huge medical bills related to critical illnesses An adult with a high risk of getting affected by any critical illness
Yes, if your treatment is prescribed by a qualified doctor from India and/or you are referred to a foreign country for further treatment, then you can get treated for critical illness abroad.
You can cover your spouse, 2 dependent parents, and 2 dependent children.
The sum insured under this policy is as follows: Minimum SI: INR 1 Lakh Less than or equal to 45 years: INR 50 Lakhs maximum Age group of 46 - 65 years: INR 20 Lakhs maximum
If you’re diagnosed with any of the listed critical illnesses, the policy pays a lump sum amount from base SI which you can use to receive treatment against the same.
Conclusion
A strong critical illness plan offering lump sum support during serious diseases, but not a substitu
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