Future Generali Heart and Health Insurance Plan | AU Small Finance Bank
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Future Generali Heart & Health Plan

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About Future Generali Heart & Health Plan

    Future Generali Heart and Health Plan is a comprehensive health protection plan that safeguards you and your family against financial risks arising out of any unforeseen medical emergency. The health insurance plan provides a fixed financial benefit that will help you cover medical costs, especially in case of critical illness which require a long term treatment, cost of second opinions, post treatment nursing and, above all, a loss of income during the affected period.

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Why Should You Buy This Plan?

  • Comprehensive Critical Illness Cover – The plan provides comprehensive cover against 59 critical illnesses and surgical procedures including heart and cancer related ailments.
  • Cover from Early Stages - The plan covers you on diagnosis of any of the listed conditions whether it is in minor, moderate or major stage.
  • Flexibility to Choose Your Protection Plan – The plan provides the following four flexible options to ensure you have an ideal cover which is best suited to your health needs:
    • Option 1 - Heart cover: Provides cover for minor, moderate and major stage heart related conditions. Covers 18 critical illnesses.
    • Option 2 - Critical illness cover: Provides cover for minor, moderate and major stage heart related, cancer related and other critical illnesses. Covers 59 critical illnesses.
    • Option 3 - Heart cover with return of premium: Provides cover for minor, moderate and major stage heart related conditions along with the added benefit of all your paid premiums being returned to you at maturity. Covers 18 critical illnesses.
    • Option 4 - Critical illness cover with return of premium: Provides cover for minor, moderate and major stage heart related, cancer related and other critical illnesses along with added benefit of all your paid premiums being returned to you at maturity. Covers 59 critical illnesses.
  • Lumpsum Payout on Diagnosis - Mediclaim policies offer only hospitalization expenses basis the bill amount and the claim settled may not be enough to cover all your expenses. Future Generali Heart and Health Plan pays out a lump sum on diagnosis of any of the listed conditions which can help you take care of both medical and other incidental costs like travel expenses for a second opinion and treatment; nursing at home; counseling costs post treatment; loss of income during the treatment and recovery period and rehabilitation.
  • Inbuilt Death Benefit (available from day one i.e. without any waiting period)– The plan has an inbuilt death cover equal to
    • 10 times of annualized premium
    • 105% of total premiums paid
    • 25% of the sum assured
    • Guaranteed maturity sum assured, if any
  • Multiple Claim Benefit – You can claim up to two times under the minor stage and up to two times under moderate stage claim category provided you have not exhausted your critical illness sum assured.
  • Waiver of Premium Benefit - If you are diagnosed with any of the defined minor or moderate conditions, your premiums will be waived for the following five years. This means that the plan continues without you having to pay premiums for five years. This benefit shall be applicable only once during the policy term.
  • Buy for Self and Family – You can also buy this plan for Your spouse, children, parents, parent-in-laws, brothers and sisters. You will have to buy individual policy for each family member.
  • High Cover at Low Premium – A 35-year-old male may get Rs 10 lakhs critical illness cover for 10 years for a monthly premium of about 471 including taxes.
  • Tax Benefit - You can claim tax deductions for the premiums paid and the claim amount under Section 80C, 80D and 10 (10D)

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