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Being a father...

A father plays a very specific role in the family’s everyday functioning and him being not well may disrupt the whole family. Dealing with the diagnosis of a critical illness can be extremely taxing for an individual and their loved ones, not to mention the burden of the costs associated with the same. When encountered with a critical illness, your entire savings go into providing treatment for the same, erasing your overall financial plan and investments.

Future Generali Heart and Health Insurance Plan provides a fixed financial benefit that will help cover the costs of medical treatment when the policyholder is diagnosed with a terminal or critical illness. With the comprehensive coverage provided by the plan, you will have coverage of 59# critical illnesses and surgical procedures including heart and cancer-related conditions.

A few benefits for you as a father

Fixed benefit payout

You get a fixed lump sum payout on the diagnosis of critical illness or undergoing surgical procedure covered under the plan so that there is no toll on your savings and your family can still keep having the lifestyle they deserve

Option^ to get your premiums back

Under the return of premium option (Option 3 & 4) you can get back all premiums paid on maturity which would again help you to fulfil all the tiny desires financially, that your little one has

Buy for Self and Family

You can also buy this plan for your spouse and children so that in any unforeseen circumstances you still have the funds to take care of your loved ones

5% Online Discount##

So that you can use the little savings to buy your child a new doll or a toy car


  • Free Look Period - In case you disagree with any of the terms and conditions of the policy, you can return the policy to the company within 15 days (30 days if policy is sold through direct marketing mode) of its receipt for cancellation, stating your objections. Future Generali will refund the policy premium after the deduction of stamp duty charges, medical expenses, if any and proportional risk premium for period of cover, if any.
  • Grace Period - You get a grace period of 30 days for annual, half yearly and quarterly mode and 15 days for monthly mode from the premium due date to pay your missed premium. During this grace period, you will continue to be insured and be entitled to receive the benefits. If a valid claim arises under the policy during the Grace Period, but before the payment of due premium, the claim will be honoured. In such cases, the due premium will be deducted from the benefit payable.
  • Change in Premium Payment Frequency - We allow you to make change in the mode of premium payment under the policy which shall be applicable from the next policy anniversary..

Three Reasons To Purchase Heart & Health Insurance Plan

Cover Against 59# Critical Illnesses

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.

Inbuilt Death Benefit

The death benefit will be available from day 1 i.e. without any waiting period.

Frequently Asked Questions

Future Generali Heart and Health Insurance Plan is a comprehensive Health Plan with below key features:

  • Provides cover against 59# Critical Illnesses and surgical procedures including Heart and Cancer related ailments whether it is in Minor, Moderate or Major Stage.
  • Pays out a fixed financial benefit on the diagnosis of any of the listed conditions and waiver of premium for 5 years in case of minor/moderate stage illness.
  • Has an inbuilt death benefit cover from day 1.
  • Provides option to get your premiums^ back on maturity.
  • Provides Tax Benefit on the premiums paid under Section 80C and 80D**

Stressed lifestyles are moving us closer to lifestyle related diseases such as different types of cancer and other critical ailments. We fail to acknowledge the existence of such conditions in our immediate circle of friends and family, but the truth is that these diseases are a clear threat. And when they strike, the emotional and financial burden they create are at most times beyond repair.

Fortunately, with the advancement in medical science, you can now beat these diseases. But it comes at a steep price. Do you have the financial ability to take care of these expenses with your savings alone, or will you need to give-up your dreams and aspirations to win the battle?

Future Generali India Life Insurance Company Limited brings to you Future Generali Heart and Health Insurance Plan, an easy to buy and comprehensive health insurance plan which ensures that you are never stressed financially in your fight against a critical illness, right from the time you or your family detects it

  • Step 1: Generate a quote
  • Step 2: Choose the benefit option, cover amount and period of cover.
  • Step 3: Based on the above parameters along with age, occupation, qualification, income and smoking habits, the premium amount will be decided.
  • Step 4: Fill the online application form and pay your premium online.
  • Step 5: Submit all documents (online).
  • Step 6: Once the payment is made and all relevant documents are submitted your policy shall be issued post document verification and medical examination, if any.

Why Choose Us?

Future Generali India Life Insurance Company Limited is a joint venture between Future Group, India’s leading retailers; Generali, an Italy-based insurance major; and Industrial Investment Trust Ltd (IITL). The company brings together the unique qualities of the founding companies - local experience and knowledge with global insurance expertise. Future Generali India Life Insurance offers an extensive range of life insurance plan, and a network that ensures we are close to you wherever you go.
  • 100+

    locations with presence in major cities across India~
  • 95.15 %

    individual death claims settled for FY 2018 - 19
  • 13 Lakhs +

    Policies sold since inception~
  • ₹3775.6 Crore~

    Worth of Asset Under Management
  • 7,629

    registered advisors
Figures as on 31 March 2019~

#59 Critical Illnesses are covered under Option 2: Critical Illness Cover and Option 4: Critical Illness Cover with Return of Premium Option only.
^ Option to get premium back feature (Maturity Benefit) is available under Option 3: Heart Cover with Return of Premium Option and Option 4: Critical Illness Cover with Return of Premium Option only. Option 1: Heart Cover Option and Option 2: Critical Illness Cover Option do not provide premiums back in case of survival till maturity.

** Tax benefits are subject to fulfilment of prescribed conditions under the Section 80C, 80D and Section 10(10D) of the Income Tax Act. Tax benefits are as per Income Tax Act 1961 and are subject to any amendments made thereto from time to time.

## The premiums mentioned above are inclusive of 5% online discount.

- The mentioned quote is valid for 30 days from the quote generation date or next birthday whichever is earlier.The premium amount that will be quoted will be on the basis of the details filled up by you. This premium quotation is subject to underwriting decision of the Company. The actual premium or sum assured amount may change upon the assessment of the risk of the life insured. Any such change will be informed to you for your consent.
For more details on this product including risk factors, terms and conditions, please read the sales brochure carefully and/or consult your Advisor and/or visit our website before concluding a sale.

This is an Individual Non-Linked, Non-Participating Health Insurance Plan.
Future Group’s, Generali Group’s and IITL Group’s liability is restricted to the extent of their shareholding in Future Generali India Life Insurance Company Limited. Future Generali India Life Insurance Co. Ltd. (Regn. No. 133) (CIN: U66010MH2006PLC165288) Regd. Office: Indiabulls Finance Centre, Tower 3, 6th Floor, Senapati Bapat Marg, Elphinstone (W), Mumbai - 400 013. Fax: 022-4097 6600 Website: life.futuregenerali.in. You are advised to consult your tax consultant. For any assistance call us on 1800-102-2355 or write to us at care@futuregenerali.in | UIN: 133N069V01|

BEWARE OF SPURIOUS / FRAUD PHONE CALLS! IRDAI is not involved in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint.